IFFCO Tokio Group Health Insurance

IFFCO Tokio Group Health Insurance

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Calculate your premium estimates

Number of Employees

*Value should be between 2 and 500

20
  • 2
  • 100
  • 200
  • 300
  • 400
  • 500

Total estimated yearly premium

*only basic terms and conditions applied

100,000

₹ 5,000 per life

Talk to our experts to get exact premium estimates

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Claim settlement ratio (2019-20)

96.33%

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Network hospitals

5000+

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Total GHI lives insured (2020-21)

25.15 Lakhs

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Total GHI claims incurred (2020-21)

₹504 crores

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TPA

External TPA

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About IFFCO Tokio group health insurance

A joint venture between Indian Farmers Fertilizer Cooperative Limited (IFFCO) and Tokio Marine Group, IFFCO Tokio General Insurance Company offers a range of insurance products from health insurance, car insurance, travel insurance, home insurance and much more. IFFCO Tokio General Insurance has been committed to serving the best class service with comprehensive group health insurance solutions. Under the IFFCO Tokio group health insurance, it covers you from health check-ups, ambulance charges, pre-hospitalization and post-hospitalisation expenses. 

By purchasing IFFCO Tokio group health insurance from Pazcare, you not only get the best-in-class service but you also get to use the user-friendly Pazcare dashboard where you can administer your IFFCO Tokio group health insurance in one place. 

How to buy IFFCO Tokio group health insurance at Pazcare?

In order to purchase your IFFCO Tokio group health insurance, kindly follow these steps: 

Step 1: Visit us at Pazcare and choose group health insurance under the products drop down that will appear on your screen.

Step 2: After skimming through the coverage and benefits section, click on the get quote button to fill out basic information like your name, company, work email address, phone number, and the number of employees in the organization.

Step 3: Our insurance consultants will get back to you within 24 hours of submitting the form. Make sure you communicate your requirements clearly regarding the IFFCO Tokio group health insurance. This includes the sum insured, type of policy, add-ons required, etc.

Step4: Our team will get back to you with competitive quotes for IFFCO Tokio group health insurance along with the other group health insurers based on the requirements you communicated.

Step 5: Once you choose the policy, say IFFCO Tokio group health insurance policy, the next step is to accept the terms and conditions of the policy and pay the premium quoted.

Step 6: Once the payment is done, our team will help you with the onboarding process. Generally, an onboarding process will be done within 24 hours of your policy purchase. We will also assist you in using the Pazcare dashboard to administer your group insurance plan.

For any assistance or queries, get in touch with us at support@getpaz.com or call us directly at +91 78291 11300. Alternatively, get in touch with us on Whatsapp using +91 81973 79596.

Why choose IFFCO Tokio group health insurance as your insurance partner?

5000+ network hospitals 

Under IFFCO Tokio group health insurance policy you can enjoy a cashless treatment at over 5000+ network hospitals. 

24*7 customer support

IFFCO Tokio group health insurance has a dedicated customer support team that answers all your queries 24*7.

Impressive Claim Settlement Ratio

IFFCO Tokio group health insurance has an impressive claim settlement ratio of 96.33% in the financial year 2019-2020. 

Comprehensive group health insurance plans

Under your IFFCO Tokio group health insurance, you have a range of group health insurance plans that protect you against several healthcare expenses thereby securing your funds even at the time of emergency.

IFFCO Tokio group health insurance claim settlement ratio

You can calculate your IFFCO Tokio claim settlement ratio (CSR) by simply calculating the ratio between the number of claims settled to the number of claims requested in a financial year by IFFCO Tokio group health insurance. 

Financial Year Claim settlement ratio
2019-20 96.33%
2018-19 96.57%

IFFCO Tokio group health insurance network hospitals

IFFCO Tokio group health insurance has more than 5000+ network hospitals across India meaning you can easily avail cashless claims for your group health insurance.

Also Read: Network & Non-Network Hospitals in 2022

Claim IFFCO Tokio group health insurance

IFFCO Tokio group health insurance cashless claim

Make your IFFCO Tokio group health insurance cashless claim using the following process.

  1. Visit a network hospital

Remember, you will be able to use cashless claim benefits only at a network hospital. Therefore, visit the nearest network hospital for treatment.

  1. Verify your details

Confirm your identity using the government photo ID like voter ID, driving license, along with the health insurance ID card or policy number, and your company ID at the network hospital.

  1. Submit the pre-authorization form

The next step is to submit the pre-authorization form to IFFCO Tokio group health insurance within 24 hours of hospitalization in case of emergency. For planned hospitalization, submit it at least 3 days before the hospitalization in the network hospital.

  1. Review of request

After submitting the pre-authorization form, the request for a cashless claim for your Future Generali group health insurance will be reviewed by the insurer/TPA. And the same will be notified to you and the network hospital.

  1. Claim settlement

Once IFFCO Tokio health insurance accepts your claim request, the claim is settled directly to the network hospital according to the terms and conditions of the policy.

IFFCO Tokio group health insurance reimbursement claim

For hospitalizations in a non-network hospital, you can go for an IFFCO Tokio group health insurance reimbursement claim.

  1. Intimate your insurer

Firstly, intimate your insurer about the hospitalization within 48 hours in case of emergency and at least 3 days before planned hospitalization

  1. Settle your bills

Once your treatment is over at a non-network hospital, the next step to follow is to settle all your hospital bills straight from your pocket.

  1. Collect the original documents

Once the bills are settled, collect the original copies of all the required documents to file for a reimbursement claim. 

Documents required to file IFFCO Tokio group health insurance reimbursement claim

  • Claim form
  • Medical papers, pathology reports, X-ray reports, as applicable
  • Doctor’s prescription and line of treatment suggested
  • Medical bills and cash memos
  • Hospital Discharge Card
  1. Submit the documents

After collecting all the original documents, submit the documents to IFFCO Tokio insurance.

  1. Claim processing

Claim processing for IFFCO Tokio group health insurance reimbursement claims will be done as per the terms and conditions of the policy. Once approved, the claim will be settled in your bank account. 

Contact us at support@pazcare.com for 24X7 claim assistance for your employees. Alternatively, you can call us at +91 78291 11300.

IFFCO Tokio group health insurance renewal process

Renew your IFFCO Tokio group health insurance with Pazcare using the following steps.

Step 1: Visit us at https://pazcare.com/ and submit a basic form that requires your name, company name, number of employees, work email address, and phone number.

Step 2: After submitting the form our IFFCO Tokio group health insurance consultants will contact you for the following documents.

  • Active data of employees - name, age, gender, details of dependents (as per the type of policy)
  • Claim analysis report
  • Claim dump report from the insurer/TPA
  • Policy copy

Step 3: If you are looking for additional add-ons to your existing IFFCO Tokio group health insurance policy like dental insurance riders, maternity insurance riders communicate your requirements. With Pazcare, you can also choose additional health and wellness add-ons like wellness and therapy sessions, unlimited doctor consultations, comprehensive check-ups, and many more to your IFFCO Tokio group health insurance. 

Step 4: We will get back to you with the competitive quotes for your IFFCO Tokio group health insurance. Based on your claim history and the additional riders and add-ons you choose, your IFFCO Tokio group health insurance premium may vary from the previous financial year.

Step 5: Then agree to the terms and conditions of the policy and proceed with paying the premium for the IFFCO Tokio group health insurance policy. The policy is usually valid for a year after the renewal.

Step 6: In case, purchasing your IFFCO Tokio group health insurance for the first time with Pazcare, within 24 hours the onboarding process will be carried out. 

We make sure that your IFFCO Tokio group health insurance administration experience is seamless using our Pazcare dashboard. Your employees can access their IFFCO Tokio group health insurance plan using Pazcare’s employee app which is available on both the app store and the play store. 

What is covered under your IFFCO Tokio group health insurance? 

In-Patient Hospitalisation Expenses

 IFFCO Tokio group health insurance policy covers you against in-patient hospitalization expenses that require hospitalization of at least 24 hours. It covers you from all the expenses relating to blood, anesthesia, nursing boarding, and much more.

Daycare Procedures

Under IFFCO Tokio group health insurance your daycare procedures that require hospitalization of fewer than 24 hours are covered. For instance, radiology therapy, cataract operations, etc. 

Pre-Hospitalisation And Post-Hospitalisation Expenses

 Pre-hospitalization and post-hospitalization expenses are covered by IFFCO Tokio group health insurance. These expenses include follow-up visits, unsealing the stitches, and much more.

Road Ambulance Expenses

IFFCO Tokio group health insurance plans cover you against expenses related to emergency road ambulance services. If you are asked to transfer to the nearest hospital, the expenses are covered. 

What is not covered under your IFFCO Tokio group health insurance?

Your IFFCO Tokio group health insurance policy will not cover expenses related to 

Injuring Self

IFFCO Tokio group health insurance plans do not cover you against any injury that is caused by the intention of self-harm. This includes suicide.

Expenses Related To Complications In Family Planning

Under IFFCO Tokio group health insurance, any treatments related to family planning, pregnancy, miscarriage, abortion, childbirth, etc. except ectopic pregnancy will not be covered. 

Expenses Related To Sexually Transmitted Diseases (STDs)

Your IFFCO Tokio group health insurance plans do not cover you against Sexually Transmitted Diseases (STDs). 

Treatment For Any Unproven Treatment

Your IFFCO Tokio group health insurance plans does not cover you against any medical treatment that is not proven. 

Also Read: Waiting Period In Health Insurance- What, Why & Types

IFFCO Tokio group health insurance benefits

Hassle-free claim settlement

To settle the claim for your IFFCO Tokio group health insurance, it is extremely easy and hassle-free. It is quicker and more transparent. 

Portability Benefit

Under IFFCO Tokio group health insurance, you can switch to IFFCO Tokio group health insurance plan in case you are not satisfied with your current health insurance policy offered by any other insurer.

Day care treatments covered

Under your IFFCO Tokio group health insurance, treatments like Chemotherapy, Radiotherapy, eye surgery, and dental surgery with less than 24 hours of hospitalization are covered. 

IFFCO Tokio group health insurance premiums

Make sure you calculate your insurance premium using IFFCO Tokio group health insurance premium calculator to estimate the cost. Here are some of the factors influencing your insurance premiums:

Geographical Location

Your IFFCO Tokio group health insurance premium is influenced by where you live. Medical facilities are not available therefore, certain zip codes require a higher premium than others. 

Age

Your IFFCO Tokio group health insurance plans will need you to pay a lower health insurance premium if you are younger and vice versa.  

Smoker/Non-Smoker

Your lifestyle habits will impact the premium for IFFCO Tokio group health insurance. For instance, smoking, drinking, or consuming any addictive substance affects your health and hence your IFFCO Tokio group health insurance premiums. 

Policy Term

Longer the insurance policy term, it's more costly. If you purchase a policy for a short period of time, you will have to pay a lower premium. 

Check Out: Future Generali Group Health Insurance

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IFFCO Tokio group health insurance claim process

1

Intimate the insurer

Intimate about the hospitalization to the insurer/TPA within 24 hours, in case of emergency and at least 3 days prior in case of a planned hospitalization.

2

Verify your identity

Provide the proof of identity - policy number/health insurance ID card, company ID, and a valid unique govt. ID card.

3

Submit the pre-authorization form

Fill out the pre-authorization form/cashless claim form and submit it to the network hospital.

4

Claim settlement

After successful verification, the claim will be settled directly to the network hospital.

5

Contact us for assistance

For any claim assistance contact Pazcare at support@getpaz.com or call us at +91 78291 11300.

1

Intimate the insurer

Intimate the insurer within 48 hours, in case of an emergency and at least 3 days prior in case of a planned hospitalization.

2

Settle the bills

Settle the hospital bills and collect the original copies of all the essential documents.

3

Submit the documents

Submit these documents along with the claim form to the insurer/TPA.

4

Claim settlement

Once verified, the claim will be settled in your bank account directly through NEFT.

5

Contact us for assistance

For any claim assistance contact us at support@getpaz.com or call us at +91 78291 11300. We will be happy to assist.

IFFCO Tokio group health insurance cashless network hospitals

IFFCO Tokio group health insurance reviews

4.1 / 5

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Kartik M

5 / 5

5 / 5

Pazcare takes a proactive approach in terms of the services they offer. Their response time is much better than other insurers.

Kantamneni Gopi

4.5 / 5

4.5 / 5

Pazcare’s customer service team responded on short notice and helped us with all the processes.

Rahul Surendran

5 / 5

5 / 5

The services provided by Pazcare’s team were really good. Also, the Pazcare dashboard is super easy to use. Good job guys!

Aveek Datta

5 / 5

5 / 5

I feel the Pazcare team is very cooperative with our requirements. Hats off to the team!

Venkatraman Subramanyam

5 / 5

5 / 5

Enjoyed the wellness programs offered by Pazcare. Also, customer support service is good. They always understand the issues first and then provide us with solutions.

Pradeep Kumar

4.5 / 5

4.5 / 5

We feel the insurance plan purchased from Pazcare is good. Moreover, the customer success team provides a quick response to our questions.

Mercy

5 / 5

5 / 5

The customer support team was very supportive in answering our questions and we received prompt responses from them.

4.6 / 5

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4.4 / 5

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Kantamneni Gopi

4.5 / 5

4.5 / 5

Pazcare’s customer service team responded on short notice and helped us with all the processes.

Pradeep Kumar

4.5 / 5

4.5 / 5

We feel the insurance plan purchased from Pazcare is good. Moreover, the customer success team provides a quick response to our questions.

Mercy

5 / 5

5 / 5

The customer support team was very supportive in answering our questions and we received prompt responses from them.

4.8 / 5

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Kartik M

5 / 5

5 / 5

Pazcare takes a proactive approach in terms of the services they offer. Their response time is much better than other insurers.

Aveek Datta

5 / 5

5 / 5

I feel the Pazcare team is very cooperative with our requirements. Hats off to the team!

4.2 / 5

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Rahul Surendran

5 / 5

The services provided by Pazcare’s team were really good. Also, the Pazcare dashboard is super easy to use. Good job guys!

Why buy a group health insurance
policy online from Pazcare?

  • Choose the suitable policy with our consulting approach
  • Custom-made plan with health and mental wellness add-ons
  • The tech-enabled Pazcare dashboard to manage endorsements
  • Integrate the dashboard with your HRMS tool
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IFFCO Tokio group health insurance customer care number

For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.

IFFCO Tokio group health insurance

IFFCO Tokio group health insurance FAQs

What is the customer care number of IFFCO Tokio group health insurance?

Reach out to IFFCO Tokio group health insurance calling at 1800 103 5499 . Also, you can mail them at for support@iffcotokio.co.in any queries.

What is the claim settlement ratio for IFFCO Tokio group health insurance?

The IFFCO Tokio group health insurance claim settlement ratio for the financial year 2019-20 is 96.33%.

How to go about the claim settlement process for IFFCO Tokio group health insurance?

You can claim IFFCO Tokio group health insurance in two ways. You can go for a cashless claim at a network hospital and a reimbursement claim at a non-network hospital. Make sure to inform the insurer at least 3 days before a planned hospitalization and within 48 hours in case of emergency hospitalization.

Do IFFCO Tokio group plans provide cover for Pre-existing conditions?

Yes, Pre-existing conditions are covered under your IFFCO Tokio gorup health insurance plan.

Can I file claim more than once under group health insurance plans?

Yes, there is no restriction on the number of times a policy claim you can opt for depending upon the cover.

What are the documents required for IFFCO Tokio group health insurance reimbursement claim?

Following are the documents required for IFFCO Tokio group health insurance reimbursement claim: 

  • Claim form
  • Medical papers, pathology reports, X-ray reports, as applicable
  • Doctor’s prescription and line of treatment suggested
  • Medical bills and cash memos
  • Hospital Discharge Card