A family health insurance policy by IFFCO Tokio provides cover for the whole family for eventualities that lead to injury or disease, at an affordable premium. A family health plan covers expenses related to hospitalization, treatment, surgery, organ transplantation etc. This health insurance policy covers family members including you, your spouse and dependent parent and children; brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together. One of the best health insurance policies in India, it also offers, for the first time in India, an optional cover for critical illness to the family under a single sum insured on floater basis.

Why Opt for Family Health Insurance?

Due to rising pollution levels, changing lifestyle habits, sedentary living, food contamination, and more, our health is at a graver risk than ever before. There is no doubt about the fact that there has been an abnormal rise in health issues and incidence of diseases in the past decade.

To add to that, inflation in medical treatment has highlighted the need for having mediclaim policy for the family. Family health insurance is a great way to safeguard your health as well as that of your family by supporting you financially in the times of need. Choose one of the best health insurance policies in India by IFFCO Tokio, in order to protect your family in case of medical emergencies.

IFFCO-Tokio Family Health Protector Policy

IFFCO Tokio’s Family Health Protector Policy provides protection for the whole family allowing you to safeguard yourself from the financial burden in times of medical exigencies.

We understand how important your family is, which is why we provide you with a comprehensive family health plan that covers you and your family from diagnosis to treatment and aftercare. Get IFFCO Tokio’s Family Health Protector Policy and get coverage for medical expenses incurred during hospitalisation, consulting fees of doctors, diagnostic tests, ambulance fees etc.

To make it even easier, you can now buy IFFCO Tokio’s Family health insurance policy online.



  1. Room Rent Expenses as provided in the Hospital/Nursing Home including Hospital Registration/ Service charges.
  2. Nursing Expenses during hospitalisation period on the advice of Medical Practitioners for duration specified.
  3. Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist fees.
  4. Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of Organs and similar expenses.
  5. Ayurveda and/ or Homeopathy and/or Unani and/or Sidha Hospitalisation Expenses {upto the limit of the Sum Insured}.
  6. Reasonable and customary charges incurred for Domiciliary Hospitalisation, if medically necessary upto a maximum aggregate sub-limit of 20% of the sum insured.


  1. We may cancel the policy on grounds of fraud, moral hazard or misrepresentation or non‐cooperation by the insured, by sending a 30 (thirty) days notice by registered post to your last known address. You will then be entitled, except in case of fraud or illegality on your part, to a pro-rata refund of premium for unexpired period of this policy in respect of such insured person(s) in respect for whom no claim has arisen.
  2. You may cancel the policy by sending written notice to us under registered post. We will then allow a refund on following scale, except for those insured person(s) for whom claim has been preferred on us under the current policy: Period of cover up to Refund of annual premium rate (%) 1 (one)month 75% (seventy five percent) 3 (three) months 50% (fifty percent) 6 (six) months 25% (twenty five percent) Exceeding 6 (six) months Nil