| 8- IFFCO-Tokio General Insurance : Family Floater Insurance |
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| Swasthya Kavach (Family Health) Policy |
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| What does the policy cover? |
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In the unfortunate event of you or your family members meeting with an illness or accident resulting in hospitalisation, our Swasthya Kavach (Family Health) Policy gives protection cover for you and your family for any injury or disease related contingencies like hospitalization, medical expenses, surgical expenses, organ transplantation, etc. The Policy also offers unique Critical Illness Coverage (Optional) for the family and is available under two variants- Base plan and Wider Plan and covers the following: |
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| Pre-Hospitalisation: |
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- Medical expenses incurred 30 days to the hospitalization are reimbursed.
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| Hospitalisation: |
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- All expenses including the following reimbursed:
Room and board, doctors' fee, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia and oxygen administration expenses. Room expenses for normal room/ICU limited to 1% /2% of sum insured per day for Base Plan and 1.5%/2.5% of basic sum insured for Wider Plan respectively. There are also restrictions on other hospital expenses in accordance with the room rent under the Base Plan.
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| Post-Hospitalisation: |
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- Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalisation, for a period of 30 days after discharge subject to specified limits under Base Plan and 60 days after discharge under wider plan.
- The policy covers 121 defined day care surgeries that requires less than 24 hours hospitalisation and ordinarily fall outside the scope of most health insurance policies.
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| Day care surgeries: |
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| Hospital Daily Allowance: |
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- In addition to hospital expenses, a daily allowance will be paid for the period of hospitalisation.
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| Emergency Assistance Service: |
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- In the event of an emergency, assistance services like medical consultation, evaluation and referral, emergency medical evacuation, care for minor children etc are provided.
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| Hospital Daily Allowance: |
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- In addition to hospital expenses, a daily allowance will be paid for the period of hospitalisation.
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| Emergency Assistance Service: |
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- In the event of an emergency, assistance services like medical consultation, evaluation and referral, emergency medical evacuation, care for minor children etc are provided.
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