IFFCO Tokio health insurance for Senior Citizens

Senior citizens face their second childhood. It is very important to care of them. Mediclaim is the health insurance which is offered for senior citizens. No matter how the sickness is, IFFCO Tokyo health insurance for senior citizens will provide the best financial source for elderly people treatment for both expected or unexpected. This policy will maximize the income you receive. They provide pre-treatment and post treatment.

Why you need this policy?

Life is unpredictable we do not know what happens the next minute. Illness might occur anytime. In certain situations due to our busy schedule we are not able to take of our senior citizens.  The main reasons for this policy

  • Increasing medical expenses

  • Frequent hospitalisation

  • Pre- treatment

  • Post-treatment

  • Ambulance service

  • No finances in old age

Factors to Consider while Choosing this Policy

Before applying for this policy you need to carefully read all the rules and regulations of this policy. The important factors

  • This plan should have large network of cashless hospitals. Because it can be accessible during emergency

  • Claim settlement ratio

  • Waiting period- this plan can provide remuneration for pre-existing disease

  • Co payments

  • Cost of plan

Benefits of IFFCO Tokio Senior Citizens Health Inurance

This plan has collaboration with large no of hospitals, so you can undergo treatment here

  • Ambulance charges are covered by this plan

  • You are provided with tax benefits

  • Day care treatment

  • Pre-hospitalisation charge

  • Post-hospitalisation charge

  • They provide check up after 4 years

  • Treatment for corona

  • You are provided a sum of RS.50000 to RS.5lakh

Eligibility Criteria

Minimum age- entry18 years
Maximum age- entry65 years
Coverage of family membersSelf, spouse


  • Hospitalisation charge

  • AYUSH expenses

  • Daily allowance

  • Ambulance charge

  • Day care

  • Advanced treatment

  • Pre hospitalisation

  • Post hospitalisation

  • Emergency need

Optional Cover

  • Critical illness

  • Reinstatement of sum


These are excluded from this policy

  • OPD treatment

  • Dental treatment

  • Treatment of alcohol

  • Weight loss treatment

  • Diet without subscription


Q1. Do they provide waiting periods?

AnsThey provide three waiting periods

1. Pre-existing disease waiting period- 36 days

2. Initial period-30 days

3. Listed disease period- 12 months

Q2. How to check premium?

Ans – The premium will be available in the broucher of IFFCO. You can also visit the website to check the premium

Q3. Does IFFCO Tokio have any sub-limits?

Ans – Yes there is sub-limit of 20% of sum assured under domiciliary hospitalisation.