{"uin":"IFFHLIP27047V072627","name":"Family Health Protector","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2018-11-30","withdrawn_on":null,"summary":"Family Health Protector is a health indemnity policy for a family under a single sum insured, with claims serviced directly by IFFCO TOKIO without a third party administrator. It has 30 days initial waiting, 36 months pre-existing disease waiting, 60 months moratorium, and sum insured options from Rs. 150,000 to Rs.30 lakhs.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:53:07.414024+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One policy period is 365 days, or 366 days in case of leap year.","display":"365 days, or 366 days in case of leap year","note":null,"quote":"every block of two policy period of 365 (three hundred & sixty\nfive) days each with us or 366 days in case of leap year","sources":[{"clause":null,"heading":"Conditions applicable for Cumulative Bonus & No Claim Discount","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-conditions-applicable-for-cumulative-bonus-no-cl"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases(Code- Excl01)","First Thirty Days Waiting Period (Code- Excl03)","Specific Waiting Period: (Code- Excl02)","Cosmetic or plastic Surgery: Code- Excl08","Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care- Code- Excl05","Maternity Expenses (Code - Excl 18)","Sterility and Infertility: (Code- Excl17)","Change-of-Gender treatments: Code- Excl07","Hazardous or Adventure sports: Code- Excl09","Excluded Providers: Code- Excl11","All non-medical expenses including personal comfort and convenience items","Any disease aggravated by Diabetes and/or Hypertension for a waiting period of 90 days","Any external congenital diseases or disorders"],"display":"Pre-existing diseases, first 30 days, specific waiting periods, cosmetic surgery, investigation and evaluation, rest cure, maternity, infertility, change of gender, hazardous sports, excluded providers, non-medical expenses, diabetes/hypertension aggravation for 90 days, external congenital diseases","note":null,"quote":"Pre-Existing Diseases(Code- Excl01) ... First Thirty Days Waiting Period (Code- Excl03) ... Specific Waiting Period: (Code- Excl02) ... Cosmetic or plastic Surgery: Code- Excl08 ... Investigation & Evaluation (Code- Excl04) ... Rest Cure, rehabilitation and respite care- Code- Excl05 ... Maternity Expenses (Code - Excl 18) ... Sterility and Infertility: (Code- Excl17) ... Change-of-Gender treatments: Code- Excl07 ... Hazardous or Adventure sports: Code- Excl09 ... Excluded Providers: Code- Excl11 ... All non-medical expenses including personal comfort and convenience items or services and similar incidental expenses or services including, maid, barber, cosmetics & napkins. ... Any disease aggravated by Diabetes and/or Hypertension for a waiting period of 90 days. ... Any external congenital diseases or disorders.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases(Code- Excl01)","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl01"},{"clause":"Excl03","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl03"},{"clause":"Excl02","heading":"Specific Waiting Period: (Code- Excl02)","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl02"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":19,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl08"},{"clause":null,"heading":"5 Investigation & Evaluation (Code- Excl04)","page":19,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-5-investigation-evaluation-code-excl04"},{"clause":null,"heading":"6.Rest Cure, rehabilitation and respite care- Code- Excl05","page":19,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-6-rest-cure-rehabilitation-and-respite-care-code"},{"clause":"Excl12","heading":null,"page":19,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl12"},{"clause":null,"heading":"9.Sterility and Infertility: (Code- Excl17)","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-9-sterility-and-infertility-code-excl17"},{"clause":null,"heading":"13.Change-of-Gender treatments: Code- Excl07","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-13-change-of-gender-treatments-code-excl07"},{"clause":null,"heading":"14.Hazardous or Adventure sports: Code- Excl09","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-14-hazardous-or-adventure-sports-code-excl09"},{"clause":null,"heading":"16.Excluded Providers: Code- Excl11","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-16-excluded-providers-code-excl11"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact IFFCO-Tokio through its grievance website, toll-free number, email, address, or branch grievance cell. If not satisfied, contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"Contact IFFCO-Tokio through website/toll-free/email/address/branch; if not satisfied, contact grievance officer at chiefgrievanceofficer@iffcotokio.co.in","note":null,"quote":"In case of any grievance, You may contact Us through:\nWebsite: | https://www.iffcotokio.co.in/customer-services/grievance-redressal\nToll free: | 1800-103-5499\nE-mail: support@iffcotokio.co.in Address: IFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon – 122001 ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in","sources":[{"clause":null,"heading":"Redressal Of Grievance","page":25,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Minimum Sum Insured is Rs. 150,000, with options in multiples of Rs. 50,000 up to Rs.5 lakhs and then in multiples of Rs.1 lakhs up to maximum Rs.30 lakhs.","display":"Rs. 150,000 to Rs.30 lakhs; multiples of Rs. 50,000 up to Rs.5 lakhs, then multiples of Rs.1 lakhs","note":null,"quote":"The policy shall be available with the minimum Sum Insured of Rs. 150,000 (one lakh fifty thousand) with subsequent options available in multiple of Rs. 50,000 (fifty thousand) Upto Rs.5 (five) lakhs and then in multiples of Rs.1 (one) lakhs Upto maximum of Rs.30 (thirty) lakhs.","sources":[{"clause":null,"heading":"Sum Insured","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-sum-insured"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply if the Insured Person has Continuous Coverage for more than twelve months; applies afresh to enhanced basic sum insured.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Excl03","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies afresh to enhanced basic sum insured to the extent of increase; prior coverage reduces the waiting period under portability norms.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases(Code- Excl01)","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12/24 months","note":"The listed conditions are split into 12 Months waiting period and 24 Months waiting period; accident claims are excluded from this waiting period.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 12/24 months of continuous coverage, as may be the case after the date of inception of the first policy with Us.","sources":[{"clause":"Excl02","heading":"Specific Waiting Period: (Code- Excl02)","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl02"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Surgical treatment for Tonsillitis/ Adenoids","Tympanoplasty / Septoplasty","Fistula in anus, Anal Sinus, Piles","Any type of Carcinoma / Sarcoma/ Blood Cancer","Varicose Veins / Varicose Ulcers","All types of Ligament Meniscus Tears","Cataract, Benign Prostatic Hypertrophy, DUB","Uterine Fibroids, PV Bleeding, Hysterectomy, Myomectomy","Hernia, Hydrocele","Sinusitis","Gall Bladder, Biliary, Renal and Urinary Stones","Inter-vertebral Disc disorder like Spondylitis, Spondylosis and prolapse. (other than caused by an accident)","Knee replacement/Joint Replacement/Hip replacement (other than caused by an accident)","Chronic Renal failure","Any type of benign growth/Cyst/Nodules/Polyps/Tumor/Lump"],"display":"12 months: tonsillitis/adenoids, tympanoplasty/septoplasty, fistula/anal sinus/piles, carcinoma/sarcoma/blood cancer, varicose veins/ulcers, ligament meniscus tears; 24 months: cataract/BPH/DUB, uterine conditions, hernia/hydrocele, sinusitis, stones, inter-vertebral disc disorders, joint replacements, chronic renal failure, benign growths","note":null,"quote":"i) 12 Months waiting period\ni) Surgical treatment for Tonsillitis/ Adenoids\nii) Tympanoplasty / Septoplasty\niii) Fistula in anus, Anal Sinus, Piles\niv) Any type of Carcinoma / Sarcoma/ Blood Cancer\nv) Varicose Veins / Varicose Ulcers\nvi) All types of Ligament Meniscus Tears\nii. 24 Months waiting period\ni) Cataract, Benign Prostatic Hypertrophy, DUB\nii) Uterine Fibroids, PV Bleeding, Hysterectomy, Myomectomy\niii) Hernia, Hydrocele\niv) Sinusitis\nv) Gall Bladder, Biliary, Renal and Urinary Stones\nvi) Inter-vertebral Disc disorder like Spondylitis, Spondylosis and prolapse. (other than caused by an accident)\nvii) Knee replacement/Joint Replacement/Hip replacement (other than caused by an accident)\nviii) Chronic Renal failure\nix) Any type of benign growth/Cyst/Nodules/Polyps/Tumor/Lump","sources":[{"clause":"Excl02","heading":"Specific Waiting Period: (Code- Excl02)","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl02"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by Us on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"Moratorium Period","page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"You can port the policy to the same product of other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal due date; waiting-period credits are reduced by continuous preceding years of coverage.","display":"Port to same product of other insurers; apply at least 30 days before but not earlier than 60 days from renewal due date; continuity benefits apply","note":null,"quote":"You/the Insured Person will have the option to port the Policy to same product of other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date of renewal. ... The waiting periods specified in Important Exclusions, Sub section I-Standard Exclusions,Point No-1,2 and 3 shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy.","sources":[{"clause":null,"heading":"Portability","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no age limit for renewal","note":null,"quote":"There is no age limit for renewal of the policy.","sources":[{"clause":null,"heading":"Age Limits","page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-age-limits"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"Renewal Clause","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-renewal-clause"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel at any time during the term by giving 7 days notice in writing. For a term up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim was made; for policies with term more than 1 year, it refunds premium for unexpired policy period for policy years where risk coverage has not commenced.","display":"Cancel anytime with 7 days written notice; proportionate refund for unexpired period if term up to one year and no claim; for terms over 1 year, refund unexpired policy years where risk has not commenced","note":null,"quote":"You may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":null,"heading":"Cancellation","page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-cancellation"},{"clause":"Excl12(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl12-a-5"},{"clause":"Excl12(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl12-b-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applicable at inception of the Policy and not on renewals or porting/migrating.","quote":"You/the insured shall be allowed a period of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":null,"heading":"Free Lookup Period","page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-free-lookup-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":null,"heading":"Renewal Clause","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-renewal-clause"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The proposer must be at least 18 years old and maximum entry age is 65 years. Dependent children can be covered from the 1st day onward, provided one or more adults are covered concurrently; there is no upper age limit for dependents.","display":"Proposer 18 to 65 years; dependent child from 1st day onward; no upper age limit for dependents","note":null,"quote":"The minimum age for the proposer is 18 (eighteen) years. The maximum entry age is 65 (sixty-five) years. ... The Insurance is available to dependent child from the age of 1st (first) day onward. ... Dependents including children can be covered provided one or more adults are covered concurrently. There is no upper age limit for coverage of dependents.","sources":[{"clause":null,"heading":"Age Limits","page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-age-limits"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Critical illness Coverage","capping on Room rent expenses may be removed","Modern Treatment Methods and Advancement in Technologies upto 100% of Sum Insured"],"display":"Critical illness coverage; remove room-rent capping; modern treatment cover up to 100% of sum insured","note":"Modern treatment extension is printed for Basic Sum Insured Rs 10 Lacs and above.","quote":"An additional optional cover of Critical illness is also provided to the family under a single sum insured on floater basis. ... An additional 30% on the premium of base policy of the insured for “Critical Illness Coverage”. Would be charged for this cover. ... the capping on Room rent expenses may be removed on additional payment of 6% on the basic premium. ... Premium for covering modern treatment upto 100% of Sum Insured\nAn additional 5% on the premium of base policy of the insured.","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-scope-of-cover"},{"clause":"11","heading":"Stroke Resulting In Permanent Symptoms","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-11"},{"clause":"Row 1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-b"},{"clause":null,"heading":"Premium for covering modern treatment upto 100% of Sum Insured","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-premium-for-covering-modern-treatment-upto-100-o"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"Coverage is not available during the grace period.","sources":[{"clause":null,"heading":"Renewal Clause","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-renewal-clause"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"For basic sum insured below Rs. 7 lakhs, normal room rent is capped at 1.50% of sum insured per day in class A cities and 1.25% of sum insured per day in other cities, or actuals if lower. For basic sum insured of Rs. 7 lakhs and above, treatment expenses are payable according to actual expenses without capping limits.","display":"Below Rs. 7 lakhs: normal room 1.50% of SI/day in class A cities, 1.25% elsewhere; Rs. 7 lakhs and above: actual expenses without capping limits","note":"For SI below Rs. 7 lakhs, capping on room rent may be removed on additional payment of 6% on the basic premium.","quote":"Room, Boarding & Nursing (Normal room) | 1) In respect of class A cities, a limit of 1.50% of the sum insured on per day basis or actual whichever is less. 2) In respect of cities other than class “A” cities, a limit of 1.25% of the sum insured on per day basis or actual whichever is less. ... In respect of basic sum insured of Rs. 7 (seven) lakhs and above (excluding the sum insured of critical illness), the reimbursement of treatment expenses will be payable according to actual expenses without any capping limits","sources":[{"clause":"Row 1","heading":"Hospitalization Stay","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1"},{"clause":"Row 1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-a"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"For basic sum insured below Rs. 7 lakhs, ICU/ITU is capped at 2.5% of sum insured per day in class A cities and 2% of sum insured per day in other cities, or actuals if lower. For basic sum insured of Rs. 7 lakhs and above, treatment expenses are payable according to actual expenses without capping limits.","display":"Below Rs. 7 lakhs: ICU/ITU 2.5% of SI/day in class A cities, 2% elsewhere; Rs. 7 lakhs and above: actual expenses without capping limits","note":null,"quote":"Room, Boarding & Nursing (ICU/ITU) | 1) In respect of class A city a limit of 2.5%of the sum insured on per day basis or actual whichever is less. 2) In respect of other than class “A” cities a limit of 2% of the sum insured on per day basis or actual whichever is less. ... In respect of basic sum insured of Rs. 7 (seven) lakhs and above (excluding the sum insured of critical illness), the reimbursement of treatment expenses will be payable according to actual expenses without any capping limits","sources":[{"clause":"Row 1","heading":"Hospitalization Stay","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1"},{"clause":"Row 1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-a"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Optional co-payment choices are 10%, 20% or 25%, applied on each and every admissible claim; once opted, it cannot be opted out during the policy period.","display":"Optional 10%, 20% or 25% on each and every admissible claim","note":"Choosing co-pay gives premium discounts of 10%, 20% or 25% respectively.","quote":"The following Co-pay options are available: 10%, 20% or 25% under the product. The Co-pay percentage as per the schedule, shall be applied on each and every admissible claim. Once the Co-Pay is opted under the policy, it cannot be opted out during the policy period.","sources":[{"clause":"Row 1(III)(e)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-iii-e-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Domiciliary Hospitalization if Medically Necessary: Upto a maximum aggregate sub-limit of 20% (twenty percent) of the Sum Insured","Modern Treatment Methods and Advancement in Technologies: upto 50%* of Sum Insured"],"display":"Domiciliary hospitalisation up to 20% of SI; listed modern treatments up to 50% of SI","note":"Modern treatment can be extended up to 100% of sum insured for Basic Sum Insured Rs 10 Lacs and above on additional premium.","quote":"Reasonable and Customary Charges incurred for Domiciliary Hospitalization if Medically Necessary | Upto a maximum aggregate sub-limit of 20% (twenty percent) of the Sum Insured. ... Modern Treatment Methods and Advancement in Technologies:\nThe following procedures will be (wherever medically indicated) either as in patient or as part of Domiciliary Hospitalization or as part of day care treatment in a hospital upto 50%* of Sum Insured, during the policy period:","sources":[{"clause":"11","heading":"Stroke Resulting In Permanent Symptoms","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-11-2"},{"clause":null,"heading":"Additional Benefits","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-additional-benefits"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":null,"quote":"Nursing and Medical Expenses during pre & post hospitalization period on the advice of Medical Practitioners for duration specified subject to the maximum of 60 days for pre hospitalization and 90 days for post hospitalization expenses.","sources":[{"clause":null,"heading":"Additional Benefits","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-additional-benefits"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":null,"quote":"Nursing and Medical Expenses during pre & post hospitalization period on the advice of Medical Practitioners for duration specified subject to the maximum of 60 days for pre hospitalization and 90 days for post hospitalization expenses.","sources":[{"clause":null,"heading":"Additional Benefits","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-additional-benefits"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care medical treatments listed in Annexure C of the policy document are payable even if hospitalisation is less than 24 hours; the list is dynamic and may change from time to time.","display":"Listed day care treatments in Annexure C payable even if less than 24 hours","note":null,"quote":"Day care medical treatments listed in Annexure C – “List of Day Care Procedures” of the policy document will be payable even if the duration of hospitalization is less than 24 (Twenty-four) hours. (Note: The list of such treatments is dynamic and hence may change from time to time.","sources":[{"clause":null,"heading":"Conditions applicable for Cumulative Bonus & No Claim Discount","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-conditions-applicable-for-cumulative-bonus-no-cl"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation is covered when medically necessary, up to a maximum aggregate sub-limit of 20% of the Sum Insured.","display":"Covered if medically necessary, up to 20% of Sum Insured","note":"Some diseases are excluded under domiciliary hospitalisation.","quote":"Reasonable and Customary Charges incurred for Domiciliary Hospitalization if Medically Necessary | Upto a maximum aggregate sub-limit of 20% (twenty percent) of the Sum Insured.","sources":[{"clause":"11","heading":"Stroke Resulting In Permanent Symptoms","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-11-2"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH hospitalisation expenses, including pre-hospitalisation and post-hospitalisation expenses, are covered up to the Sum Insured.","display":"AYUSH hospitalisation expenses including pre and post hospitalisation: actual up to Sum Insured","note":null,"quote":"AYUSH hospitalization expenses including Pre- Hospitalization and Post Hospitalization expenses | Actual amount up to Sum Insured.","sources":[{"clause":"11","heading":"Stroke Resulting In Permanent Symptoms","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-11-2"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Treatment of the person donating an organ is covered, with donor room rent payable at 50% of the room rent limit for the patient for whom the claim is lodged.","display":"Donor treatment covered; donor room rent 50% of patient room rent limit","note":"Ambulance charges, pre and post hospitalisation expenses and daily allowance for the donor are excluded.","quote":"Treatment of person donating an organ | The room rent payable in respect of Donor will be 50% of Room Rent limit for you or your family member (patient) for whom the claim is lodged.","sources":[{"clause":"11","heading":"Stroke Resulting In Permanent Symptoms","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-11-2"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Ambulance charges connected with an admissible claim are covered up to 1% of the sum insured or Rs. 2500, whichever is lower, for each hospitalisation.","display":"Up to 1% of SI or Rs. 2500, whichever is lower, for each hospitalisation","note":null,"quote":"Ambulance charges: Ambulance charges in connection with any admissible claim subject to a limit of 1% (one percent) of the sum insured or Rs. 2500, whichever is lower, for each hospitalization.","sources":[{"clause":null,"heading":"Additional Benefits","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-additional-benefits"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"After a claim, the basic sum insured is reinstated by the claim amount so that the full basic sum insured is available for the policy period. For Basic SI below 10 Lakhs, the first reinstatement has no reinstatement premium and later admissible claims may be charged reinstatement premium; for Basic SI 10 Lakhs and above, no premium is charged for reinstatements. The reinstated sum insured is not available for the same hospitalisation expenses, relapse within 45 days, listed chronic diseases, Critical illness extension, cumulative bonus or Domiciliary Hospitalization.","display":"Basic SI reinstated by claim amount after a claim; first free below 10 Lakhs and no premium for 10 Lakhs and above; not for same hospitalisation, 45-day relapse, listed chronic diseases, CI extension, CB or domiciliary","note":"Reinstatement applies on policies with a basic sum insured of Rs.3 lakh and above.","quote":"After the occurrence of a claim under the policy, the basic sum insured under the policy will be reinstated by the amount of claim so that the full basic sum insured is available for the policy period ... Reinstatement premium shall not be charged for the first claim paid/approved during the policy year. In case there are any further claims admissible under the policy, appropriate premium for the reinstatement will be charged. ... This reinstated basic sum insured will not be available for the hospitalization treatment expenses of the illness/ disease/ injury for which the insured person(s) was/were hospitalised. It will be available for treatment including that for the same illness (other than chronic disease listed under point h) or any other disease, illness which are not cases of relapse within 45(forty-five) days ... For Policies with Basic Sum Insured 10 Lakhs and above ... No premium shall be charged for such reinstatements. ... The reinstatement of basic sum insured will not be available for Critical illness extension and cumulative bonus.\n• The reinstatement of basic sum insured will not be available for Domiciliary Hospitalization.","sources":[{"clause":null,"heading":"A. For Policies with Basic Sum Insured Less than 10 Lakhs","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-a-for-policies-with-basic-sum-insured-less-than-2"},{"clause":"Row 1(III)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-iii-b-2"},{"clause":"Row 1(III)(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-iii-d"},{"clause":null,"heading":"B. For Policies with Basic Sum Insured 10 Lakhs and above","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-b-for-policies-with-basic-sum-insured-10-lakhs-a"},{"clause":"Row 1(III)(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-iii-b-3"},{"clause":"Row 1(III)(e)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-iii-e-2"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"At renewal you can choose either cumulative bonus or no claim discount. Cumulative bonus accrues at 25% of basic sum insured for the first claim-free renewal and 10% at each subsequent claim-free renewal, subject to maximum 100% of basic sum insured; alternatively, a 5% no claim discount on base premium is allowed at renewal if no claim is made in the expiring policy.","display":"Choose CB or no-claim discount; CB 25% first claim-free renewal then 10% each claim-free renewal, max 100%; no-claim discount 5% on base premium","note":"For Basic SI less than 5 Lakhs, the prospectus says the existing cumulative bonus will be reduced in case of a claim. For Basic SI 5 Lakhs and above, one clause says the accrued cumulative bonus shall not reduce after a claim, while a following note says CB shall reduce in case of claim.","quote":"One of the following benefits shall be applicable based on the option chosen by You at the time of renewal and mentioned in the Policy Schedule ... The Cumulative Bonus shall accrue at 25% of the basic sum insured for the first claim-free renewal and by 10% (ten percent) at each subsequent renewal in respect of each claim free year of insurance for all insured person(s) on collective basis, subject to a maximum of 100% (one hundred percent) of basic sum insured of the expiring policy. ... No Claim Discount A discount of 5% on base premium would be allowed at the time of renewal, if no claim is made in the expiring policy.","sources":[{"clause":null,"heading":"Premium for covering modern treatment upto 100% of Sum Insured","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-premium-for-covering-modern-treatment-upto-100-o"},{"clause":"Row 1(I)(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-1-i-a"},{"clause":"Row 4(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-row-4-iii"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Non-medical expenses, including personal comfort and convenience items or services and similar incidental expenses or services, are excluded.","display":"Excluded: all non-medical expenses including personal comfort and convenience items","note":null,"quote":"All non-medical expenses including personal comfort and convenience items or services and similar incidental expenses or services including, maid, barber, cosmetics & napkins.","sources":[{"clause":null,"heading":"16.Excluded Providers: Code- Excl11","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-16-excluded-providers-code-excl11"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, including childbirth expenses during hospitalisation except ectopic pregnancy, and expenses towards miscarriage unless due to accident and lawful medical termination of pregnancy during the policy period.","display":"Excluded, except ectopic pregnancy; miscarriage only if due to accident","note":null,"quote":"Maternity Expenses (Code - Excl 18): ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"Excl12","heading":null,"page":19,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl12"},{"clause":"Excl12(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl12-i"},{"clause":"Excl12(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl12-ii"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"A dependent child can be covered from the 1st day onward, provided one or more adults are covered concurrently.","display":"Dependent child covered from 1st day onward, with one or more adults covered concurrently","note":"Maternity expenses are excluded under the policy.","quote":"The Insurance is available to dependent child from the age of 1st (first) day onward. ... Dependents including children can be covered provided one or more adults are covered concurrently.","sources":[{"clause":null,"heading":"Age Limits","page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-age-limits"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Preventive health check-up is available upon renewal, depending on sum insured: up to 2 lacs after every 2 claim-free years for any one member Package A; above 2 to 5 lacs after every 2 claim-free years Package B; above 5 to 10 lacs after each claim-free year Package C; above 10 to 25 lacs after each year irrespective of claim Package D; above 25 lacs after each year irrespective of claim for any 2 members Package D.","display":"Upon renewal; frequency/package depends on SI, from every 2 claim-free years to every year","note":"The health check-up can be availed only through the insurer's empaneled service provider on cashless basis.","quote":"Cost of health check-up: You or your family member(s) shall be entitled to undergo a periodic medical check-up upon renewal of the policy. This benefit is dependent on the sum insured of the policy. ... Upto 2 lacs | After every 2 claim free years | Any one member | Package A\nAbove 2 lacs upto 5 lacs | After every 2 claim free years | Any one member | Package B\nAbove 5 lacs upto 10 lacs | After each claim free year | Any one member | Package C\nAbove 10 upto 25 lacs | After each year, irrespective of claim | Any one member | Package D\nAbove 25 lacs | After each year, irrespective of claim | Any 2 members | Package D","sources":[{"clause":null,"heading":"Conditions applicable for Cumulative Bonus & No Claim Discount","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-conditions-applicable-for-cumulative-bonus-no-cl"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Procedures or treatments mainly done in the outpatient department are excluded even if converted to day care surgery or inpatient hospitalisation to make a hospitalisation claim. Wellness services separately include unlimited cashless telemedicine consultation and discounts on diagnostics, e-pharmacy, nutritional counselling, dental care and home care through service providers.","display":"OPD procedures/treatments excluded as claims; wellness services include unlimited telemedicine and service discounts","note":"The wellness services are facilitation/discount services; the prospectus says the insurer shall not be liable for actions, claims, demands, losses, damages, costs, charges and expenses claimed from these services.","quote":"Procedures/treatments mainly done in outpatient department (OPD) even if these are converted to day care surgery or as in patient in hospital to make it hospitalization claim. ... Cashless Telemedicine Consultation:\nI) General Physicians and Specialists: You or your family member can book unlimited chat, telephonic and/or video appointments for all medical consultations. ... Discount on Services: You or your family member can avail, unlimited times, discount on the below, offered by the service providers","sources":[{"clause":"Excl12(a)","heading":"Nuclear attack or weapons","page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-excl12-a-2"},{"clause":null,"heading":"Conditions applicable for Cumulative Bonus & No Claim Discount","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-conditions-applicable-for-cumulative-bonus-no-cl"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":"The prospectus states city-based room rent and ICU limits for class A versus other cities, but does not state premium or co-pay changes by treatment city.","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless claim facility is available at over 7000 network hospitals across India.","display":"Cashless at over 7000 network hospitals across India","note":null,"quote":"Cashless claim facility available at over 7000 network hospitals across India.","sources":[{"clause":null,"heading":"Additional Advantages","page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-additional-advantages"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are directly serviced by IFFCO TOKIO without any third party administrator.","display":"IFFCO TOKIO directly, without any Third party administrator","note":null,"quote":"Claim is directly serviced by IFFCO TOKIO without any Third party administrator.","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-scope-of-cover"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, coverage is under a single sum insured shared by covered members","note":null,"quote":"Coverage is under a single sum insured and no separate sum insured is required for each covered member. Thus each covered member draws claim from the single limit of indemnity.","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630#c-scope-of-cover"}],"law":[]}],"documents":[{"kind":"wording","label":"Family Health Protector (FHP)","pages":67,"fetched_at":"2026-10-17 19:46:20+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/pdfs/policy-wordingfhpv-8.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8675"},{"kind":"wording","label":"Family Health Protector (IRDAI copy)","pages":25,"fetched_at":"2026-10-20 02:14:01+00","source_url":"https://irdai.gov.in/documents/37343/931203/IFFHLIP19092V021819_2018-2019.pdf/265b30d7-dea3-0a65-01e7-304eed7c3c88?version=1.1&t=1668506297683&download=true","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/27683"},{"kind":"prospectus","label":"Family Health Protector","pages":33,"fetched_at":"2026-10-17 19:44:52+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/health/prospectus_family_health_protector.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627/document/8630"}],"versions":[{"uin":"IFFHLIP19092V021819","version":null,"approved_on":null},{"uin":"IFFHLIP27047V072627","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.iffcotokio.co.in/contact-us/customer-services/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew policy","url":"https://www.iffcotokio.co.in/renew-policy","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Family Health Protector (UIN IFFHLIP27047V072627), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/family-health-protector-iffhlip27047v072627"}