iffko tokio swasthya kavach
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Swasthya Kavach (Family Health) Policy
What does the policy cover?
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:
Pre-Hospitalisation:
Medical expenses incurred 30 days prior to the hospitalization are reimbursed.
Hospitalisation:
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.
Post-Hospitalisation:
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.
Day care surgeries: 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.
Hospital Daily Allowance: In addition to hospital expenses, a daily allowance will be paid for the period of
hospitalisation.
Emergency Assistance Service:
In the event of an emergency, assistance services like medical consultation,
evaluation and referral, emergency medical evacuation, care for minor children
etc are provided.
Local Ambulance Service:
In the event of an emergency, cover is provided for expenses incurred on
ambulance services to the nearest hospital where Emergency Health facilities are
available.
General Health Check-up:
You will be reimbursed the expenses incurred for general health examination
(once in a block of 4 claims free years) – Applicable only under Wider Plan
Cumulative bonus : You will be provided with a 5% extra sum insured for every claims free year
subject to a maximum of 50% of capital sum insured- Applicable only under
Wider Plan
Benefits under Section - 80D: Premium upto Rs. 15,000 is eligible for self, spouse and dependant children with
deductions under Section 80D of Income Tax Act, 1961.
ITGI’s Swasthya Kavach Policy ensures comprehensive coverage by offering value added
features, at a nominal increase in premium, like:
Critical illness extension for family:
o You will be covered for 10 named critical illness for double the basic cover sum
insured. 10 Critical Illness include: Paralytic Stroke, Cancer, Renal Failure,
Coronary Artery Disease, Major Injuries, End Stage Liver Disease, Major Burns,
Coma, Major Organ Transplant and Multiple Sclerosis
What does the policy not cover?
Diseases, which have been in existence at the inception of the policy
Illness that commenced during the first 30 days of inception of the first policy.
During the first year of the Policy, the expenses on treatment of diseases such as
Tonsillitis/ Adenoids, Gastric or Duodenal Ulcer, any type of Cyst/ Nodules/ Polyps, any
type of Breast lumps.
During the first two continuous years of the insurance with us, the expenses on treatment
of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for
Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis,
Choletithiasis and Cholecystectomy, Inter- vertebral Disc Prolapse (other than caused by
an accident), Osteoarthritis, Varicose Veins / Varicose Ulcers etc.
Naturopathy, acupuncture, magnetic treatment, alternative medicines, etc
Under the Base Plan, during the first two continuous years of the Policy, the expenses on
treatment of diseases such as Renal Failure, Heart Diseases, any type of
Carcinoma/Sarcoma/Blood Cancer.
For a complete list of exclusions, refer to the policy.
Swasthya Kavach (Family Health) covers
Hospitalisation
Pre-hospitalisation
Post - Hospitalisation.
Emergency Assistance Service
Local Ambulance Service.
Critical Illness extension (Optional)
Indicative Premium
Sum Insured options under this policy are Rs 2 lacs, 3 lacs, 4 lacs and 5 lacs only.
(Base Plan) 2 Adults + 2 children
YEARS Upto 25
years
26-35 years
36-45
years
46-55
years
56-60
years 61-65 years S.I
200,000 3,150 3,443 4,310 6,525 9,218 11,523
300,000 3,663 3,976 5,200 9,293 13,206 16,508
400,000 4,570 4,961 6,229 11,829 16,910 21,138
500,000 5,478 6,259 7,777 13,791 19,788 24,735
(Wider Plan) 2 Adults + 2 Children
YEARS Upto 25
years
26-35 years
36-45
years
46-55
years
56-60
years 61-65 years S.I
200,000 3,652 3,974 5,297 8,458 11,949 14,936
300,000 4,852 5,544 7,038 12,046 17,119 21,399
400,000 6,054 6,918 8,782 15,334 21,920 27,400
500,000 7,257 8,292 10,526 18,622 26,721 33,401
(Wider Plan with Critical Illness) 2 Adults + 2 Children
YEARS Upto 25
years
26-35 years
36-45
years
46-55
years
56-60
years 61-65 years S.I
200,000 4,565 4,968 6,622 10,573 14,936 18,670
300,000 6,065 6,930 8,798 15,058 21,399 26,749
400,000 7,568 8,648 10,978 19,168 27,400 34,250
500,000 9,071 10,365 13,158 23,278 33,401 41,751
Benefits / rates given are indicative Maximum
Entry Age: Proposer: 18 years to 60 Years and dependent children: 91 days to 23 years
(medical reports required for age of 45 years and above
Photographs of all insured members compulsory
Rates not Inclusive of Service Taxes.
SECTIONED 80D INCOME TAX BENEFITS:
Premium upto Rs. 15,000 is eligible for tax deductions for self, spouse and dependant children
under Section 80D of Income Tax Act, 1961.