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IFFCO Tokio · IFFHLIP26042V062526

IFFCO Tokio Family Health Protector

IFFCO Tokio Family Health Protector (IRDAI UIN IFFHLIP26042V062526) is a family floater health insurance plan with sum insured from 1.5 lakh to 30 lakh (33 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

IFFCO Tokio Family Health Protector is a health insurance plan from IFFCO Tokio. Key specifications: plan type Family floater, room rent No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities), pre-existing disease waiting 36 months.

Premium depends on your profile
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Plan type
Family floater
Room rent
No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities)
Pre-existing disease waiting
36 months

Pros

  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #40 of 53

Full specifications

Cover

Plan type Family floater
Sum insured options 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 11 lakh, 12 lakh, 13 lakh, 14 lakh, 15 lakh, 16 lakh, 17 lakh, 18 lakh, 19 lakh, 20 lakh, 21 lakh, 22 lakh, 23 lakh, 24 lakh, 25 lakh, 26 lakh, 27 lakh, 28 lakh, 29 lakh, 30 lakh
Highest sum insured 30 lakh
Entry age 1 day (dependent child) to 65 years
Room rent No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities)
Co-payment None (optional co-payment)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Reinstatement of Basic Sum Insured to the extent of claim paid; free for first claim in policy year (SI Rs 3 lakh and above)
No-claim bonus Cumulative Bonus 25% of basic SI for first claim-free renewal, then 10% per claim-free year, max 100%
Maternity Not covered
OPD Not covered

Insurer

Health incurred claim ratio (insurer) 83.74%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 10000+
IRDAI UIN IFFHLIP26042V062526

About the Family Health Protector

IFFCO Tokio Family Health Protector (IRDAI UIN IFFHLIP26042V062526) is a family floater health insurance plan with sum insured from 1.5 lakh to 30 lakh (33 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from IFFCO Tokio.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Family floater
  • Sum insured options: 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 11 lakh, 12 lakh, 13 lakh, 14 lakh, 15 lakh, 16 lakh, 17 lakh, 18 lakh, 19 lakh, 20 lakh, 21 lakh, 22 lakh, 23 lakh, 24 lakh, 25 lakh, 26 lakh, 27 lakh, 28 lakh, 29 lakh, 30 lakh
  • Entry age: 1 day (dependent child) to 65 years
  • Room rent: No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities)
  • Co-payment: None (optional co-payment)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Reinstatement of Basic Sum Insured to the extent of claim paid; free for first claim in policy year (SI Rs 3 lakh and above)
  • No-claim bonus: Cumulative Bonus 25% of basic SI for first claim-free renewal, then 10% per claim-free year, max 100%
  • Maternity: Not covered
  • OPD: Not covered

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. IFFCO Tokio does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

IFFCO Tokio's health incurred claim ratio was 83.74% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. IFFCO Tokio states a network of 10000+ hospitals.

Similar plans from other insurers

Other health insurance plans from IFFCO Tokio

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Family Health Protector

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Bajaj General

Health Guard - Gold Plan

  • Individual and family floater Plan type
  • SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • Standard Single Private Room; no capping on ICU accommodation Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

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Head to head

Compare the Family Health Protector

Questions

Family Health Protector FAQs

It depends on your age, cover, city and options. IFFCO Tokio does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

IFFHLIP26042V062526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities).

Co-payment as stated by the insurer: None (optional co-payment).

Maternity as stated by the insurer: Not covered.

60 days before and 90 days after hospitalisation.

1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 11 lakh, 12 lakh, 13 lakh, 14 lakh, 15 lakh, 16 lakh, 17 lakh, 18 lakh, 19 lakh, 20 lakh, 21 lakh, 22 lakh, 23 lakh, 24 lakh, 25 lakh, 26 lakh, 27 lakh, 28 lakh, 29 lakh, 30 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

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