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- Insuring You
- Eldest Member Age: 26-30
- Sum Insured: ₹ 5L
Priced Moderate
IFFCO Tokio Individual Health Protector
- Product features37/100
- Price69/100
- Claims experience36/100
The 1 Finance Score is a weighted average based on price, product features, and claims experience.
53Must-Look Features
Room Rent1.75% of SI for 'class A' cities & 1.5% of SI for other cities (SI below ₹7L)- No Claim Bonus (NCB)Max up to 50% of SI
- Recharge of SI (RSI)Upon SI exhaustion: Reinstatement up to SI from second claim, after adjusting proportionate premium
- Pre-Existing Diseases (PED)Covered after 4 years
Co-payment (Co-Pay)No Co-pay- Health and WellnessCheck up once after a block of 4 claim-free years
Claims Experience
- Claim Settlement Ratio (CSR) - Number93.47%
- Claim Settlement Ratio (CSR) -Amount86.58%
- Incurred Claim Ratio (ICR)107% signifies an adverse financial position
- Ageing of Claim89.89%
- Network Hospitals7000
- Pre-hospitalisation60 days
- Post-hospitalisation90 days
- Daycare treatments380+ daycare procedures covered
- Ambulance coverMaximum up to 1% of SI or ₹2,500 per claim
- Domiciliary hospitalisationCovered up to a maximum aggregate sub-limit of 20% of SI
- Organ donor coverCovered
- Second opinionCovered
- Daily allowance
Up to 0.20% of SI per day
- AYUSH treatment-
- Modern treatment methodsCovered up to 50% of SI
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About IFFCO Tokio
IFFCO Tokio General Insurance Company Limited is a joint venture between Tokio Marine Group, Japan's largest insurance group, and Indian Farmers Fertilizer Co-operative Limited (IFFCO), the world's largest fertilizer company. IFFCO holds a 51% stake in the company, while Tokio Marine Group holds the remaining 49%. The company offers a wide range of insurance products, including corporate policies like property and liability insurance, as well as personal insurance for cars, two-wheelers, health, travel, and homes.
About IFFCO Tokio
IFFCO Tokio General Insurance Company Limited is a joint venture between Tokio Marine Group, Japan's largest insurance group, and Indian Farmers Fertilizer Co-operative Limited (IFFCO), the world's largest fertilizer company. IFFCO holds a 51% stake in the company, while Tokio Marine Group holds the remaining 49%. The company offers a wide range of insurance products, including corporate policies like property and liability insurance, as well as personal insurance for cars, two-wheelers, health, travel, and homes.
- FOUNDED IN2000
- CEOH.O.Suri
- HEADQUARTERSGurugram,India
- AUM₹16,581.41 Cr
- GROSS WRITTEN PREMIUMS (GWP)₹10,020.62 Cr
- COMBINED RATIO114.63%
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
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