All You Require to Know About IFFCO Tokio Individual Medishield Policy

Individual Medishield Policy one of its kind health insurance plan introduced by IFFCO Tokio General Insurance Company. It is one of the popular IFFCO Tokio health insurance policies available in the market. Buyin this policy, you can avail cashless hospitalisation facility at 3000+ network hospitals in India.
Also, your pre and post hospitalisation expenses are being reimbursed. Let’s have a detail glance at the policy here:

IFFCO Tokio Individual Medishield Policy at a Glance:

Eligible Age	The minimum age to avail the coverage offered by the policy is 3 months and maximum age is 80 years. Children from 3 months to 5 years are eligible to be covered if both parents are included.
Policy Type	Individual.
Terms & Conditions	Up to the age of 45, there is no medical check-up required. After attaining 45, one need to do check-ups like blood sugar, ECG and urine test for getting the coverage. In case of age beyond 55, additional medical checkups are required.
Renewability	You are required to renew the policy time to time. The insurer provides online renewal facility also. However, it is mandatory to renew the policy before it expires or within 30 days from initiation.
Features	You can avail the treatment in India only.
Scopes	All resident individuals can apply for the policy.
Sum Assured	Avail family health package cover on discounted premium rate.
Premium	To get the hospitalisation facility, it requires the patients to be hospitalised at least for minimum 24 hours.
Discount	Ayurvedic and Homoeopathic hospitalisation expenses are also included.
Bonus	For every claim free year, obtain a cumulative bonus of 5% at renewals. The maximum of you can avail is 50%. If a claim is made then 10% of the bonus will be reduced at next renewal.
Exclusions	For any pre-existing illness to be covered, a waiting period of 3 years is applicable.         Any pre-existing disease for a period of 3 years is not covered.         Any expense related to spectacles, contact lens or hearing aids is not covered      Dental expense is excluded      Cost of external medical equipment are excluded

What is Covered?

• If any physical injury occurs within the policy tenure, it covers hospitalisation costs incurred for treatment.
• ICU charges and Room rent are covered applying a specific limit.
• A maximum of 0.5% of the basic sum insured is provided for registration, service charges and surcharges.
• Pre and post hospitalisation nursing charges are included.
• Surgeon, Anaesthetist, consultant’s fee is included.
• The policy also covers medicine costs, expenses for oxygen, pacemaker, artificial limbs, operation theatre costs, dialysis, chemotherapy etc. 
• Up to 1.0% of the basic sum insured is offered as ambulance costs, which don’t exceed Rs. 1,500. 
• You can avail daily allowance of Rs. 250 for hospitalisation.
• Domiciliary hospitalisation facility is available.
• Get pre and post hospitalisation costs reimbursed for a maximum period of 60 days each.
• Organ donors can avail hospitalisation expenses during an organ transplantation of the insured person.
• Health-check up expenses after 4 claim free years 
• In case of specific treatments, package costs of hospitals are covered

Hence, you can consider Iffco Tokio Individual Medishield Insurance Policy, which provides financial assistance to you and your family in case of an illness or accident resulting hospitalisation. You can avail cashless hospitalisation facility at its network hospitals and remain stress-free during an unforeseen situation. By purchasing this plan online, you can also avail extra benefits associated with the plan including fast claiming process, fast application and last but not the least discount on premium. For detail information, visit the insurer’s website.