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IFFCO Tokio · IFFHLIP26041V062526

IFFCO Tokio Health Protector (Individual Health Protector)

IFFCO Tokio Health Protector (Individual Health Protector) (IRDAI UIN IFFHLIP26041V062526) is an individual health insurance plan with sum insured from 0.5 lakh to 20 lakh (25 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 Health Protector (Individual Health Protector) is a health insurance plan from IFFCO Tokio. Key specifications: plan type Individual, room rent No capping for SI Rs 5 lakh and above; below Rs 5 lakh: 1.75% of SI per day (class A cities) / 1.50% (other cities), pre-existing disease waiting 36 months.

Sample premium ₹10,649 a year*

*For: Age band 26-35, Sum Insured Rs 10,00,000, 'Rate Sheet of Health Protector portfolio without Critical Illness', annual, 'Above rates (in Rs) are exclusive of Taxes'; no premium zones in rate chart; before discounts. Your premium will differ.

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Plan type
Individual
Room rent
No capping for SI Rs 5 lakh and above; below Rs 5 lakh: 1.75% of SI per day (class A cities) / 1.50% (other cities)
Pre-existing disease waiting
36 months
Sample annual premium
₹10,649

Pros

  • Specific illnesses covered after 1 year, sooner than 89% of the 46 health insurance plans on Comparezi that state it
  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Cons

  • Lower maximum sum insured than 82% of the 52 health insurance plans on Comparezi that state it (₹20 lakh)

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #44 of 53

Full specifications

Cover

Plan type Individual
Sum insured options 0.5 lakh, 1 lakh, 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
Highest sum insured 20 lakh
Entry age 91 days to 65 years
Room rent No capping for SI Rs 5 lakh and above; below Rs 5 lakh: 1.75% of SI per day (class A cities) / 1.50% (other cities)
Co-payment None (optional 10%/20%/25%)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 12 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, premium charged thereafter
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

Premium

Sample annual premium ₹10,649
Sample premium is for Age band 26-35, Sum Insured Rs 10,00,000, 'Rate Sheet of Health Protector portfolio without Critical Illness', annual, 'Above rates (in Rs) are exclusive of Taxes'; no premium zones in rate chart; before discounts

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 IFFHLIP26041V062526

About the Health Protector (Individual Health Protector)

IFFCO Tokio Health Protector (Individual Health Protector) (IRDAI UIN IFFHLIP26041V062526) is an individual health insurance plan with sum insured from 0.5 lakh to 20 lakh (25 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: Individual
  • Sum insured options: 0.5 lakh, 1 lakh, 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
  • Entry age: 91 days to 65 years
  • Room rent: No capping for SI Rs 5 lakh and above; below Rs 5 lakh: 1.75% of SI per day (class A cities) / 1.50% (other cities)
  • Co-payment: None (optional 10%/20%/25%)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 1 year

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, premium charged thereafter
  • 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's own published premium table gives ₹10,649 a year for this profile: Age band 26-35, Sum Insured Rs 10,00,000, 'Rate Sheet of Health Protector portfolio without Critical Illness', annual, 'Above rates (in Rs) are exclusive of Taxes'; no premium zones in rate chart; before discounts. Your premium will differ; 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 Health Protector (Individual Health Protector)

All health insurance →
  • Individual and family floater Plan type
  • 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,722 a year*

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

Similar health insurance plans

  • Family floater Plan type
  • 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) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Health Protector (Individual Health Protector)

Questions

Health Protector (Individual Health Protector) FAQs

It depends on your age, cover, city and options. IFFCO Tokio's own published premium table gives ₹10,649 a year for this profile: Age band 26-35, Sum Insured Rs 10,00,000, 'Rate Sheet of Health Protector portfolio without Critical Illness', annual, 'Above rates (in Rs) are exclusive of Taxes'; no premium zones in rate chart; before discounts. Your premium will differ; get a quote from the insurer.

IFFHLIP26041V062526. 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 5 lakh and above; below Rs 5 lakh: 1.75% of SI per day (class A cities) / 1.50% (other cities).

Co-payment as stated by the insurer: None (optional 10%/20%/25%).

Maternity as stated by the insurer: Not covered.

60 days before and 90 days after hospitalisation.

0.5 lakh, 1 lakh, 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.

Data sources

  • Manufacturer official pages

Last updated

Product details

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