IFFCO Tokio Family Health Protector: what the wording covers
Family Health Protector (UIN IFFHLIP26042V062526) has no room or ICU limit for sum insured of ₹7 lakh and above. Below ₹7 lakh, room is 1.5% of the sum insured a day in class A cities and 1.25% elsewhere. The sum insured is reinstated by the claim amount after each claim, free for the first claim. Modern treatments are capped at 50% of the sum insured. Pre-existing diseases wait 36 months.
Key limits
| Item | What the wording says |
|---|
| Room | No limit from ₹7 lakh cover. Below that, 1.5% of sum insured a day (class A cities) or 1.25% (elsewhere). |
|---|
| ICU | No limit from ₹7 lakh. Below that, 2.5% or 2% of sum insured a day. |
|---|
| Modern treatments | Up to 50% of the sum insured. |
|---|
| Treatment at home | Up to 20% of the sum insured. |
|---|
| Road ambulance | 1% of sum insured or ₹2,500, whichever is lower. |
|---|
| Before and after a stay | 60 days and 90 days. |
|---|
Bonus and reinstatement
- Cumulative bonus: 25% of the base sum insured after the first claim-free year, then 10% a year, up to 100%. You can take a 5% premium discount instead.
- Reinstatement: after each claim, the base sum insured is topped back up by the claim amount. The first reinstatement in a year is free; later ones need extra premium.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
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| Pre-existing diseases | 36 months. |
|---|
| Listed illnesses and surgeries | 12 or 24 months, depending on the condition. |
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Frequently asked questions
Does IFFCO Tokio Family Health Protector have a room-rent limit?
Not for sum insured of ₹7 lakh and above. Below ₹7 lakh, room rent is 1.5% (class A cities) or 1.25% of the sum insured a day.
How does reinstatement work?
After each claim, the base sum insured is reinstated by the amount paid. The first reinstatement is free; later ones in the year need extra premium.
Are modern treatments fully covered?
No. They are capped at 50% of the sum insured.
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Where this comes from
- IFFCO Tokio Family Health Protector policy wording, UIN IFFHLIP26042V062526. Clauses 1 Room Rent and ICU, modern treatments, domiciliary, ii reinstatement, cumulative bonus, Excl01, Excl02.
Checked against the wording on 2026-10-09.
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