Life + Health+
Household Insurance
Starting from ₹600 per Month
*Including GST
What’s Covered?
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Hospitalisation for up to ₹3/₹4/₹5 Lakhs - INCLUDES COVID-19
You and your family (for up to 4 members) get full coverage towards hospitalisation charges (for a minimum period of 24 consecutive hours).
You can also avail 541 daycare treatments (that may not require hospitalisation) and everything else during your treatment, up to a limit of ₹3/₹4/₹5 Lakhs.
What does everything else include? Room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, ICU charges and so on.
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COVID-19 coverage
The good news is that this cashless hospitalisation coverage is applicable even in case of the policy holder testing positive for COVID-19.
The plan gives you complete protection and financial security by covering everything from COVID-19 test (only in case of being tested positive) to hospitalisation to pre and post hospitalisation care.
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Cashless Facility in over 4000+ hospitals across India
Enjoy cashless facility on 4000+ network hospitals across India for your treatment. Please note that in case of hospitalisation due to COVID-19, this facility may not be available in all hospitals.
The plan gives you complete protection and financial security by covering everything from COVID-19 test (only in case of being tested positive) to hospitalisation to pre and post hospitalisation care.
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30 Days Pre-Hospitalisation and 60 Days Post-Hospitalisation - INCLUDES COVID 19
Not just the hospitalisation, but the pre and post care for the patient in question can be pretty taxing, emotionally as well as financially. Our health insurance goes a step ahead and covers your medical expenses, doctor consultations, diagnostic tests and routine medication charges up to 30 days before your hospitalisation and 60 days after.
This also includes reimbursement for pre and post hospitalisation charges in case the policy holder is tested positive for COVID-19.
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Hospitalisation at Home
In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, you are covered for medical expenses incurred during your treatment at home (also called domiciliary treatment) for a period exceeding 3 consecutive days up to your sum insured (₹3/₹4/₹5 lakhs).
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Ambulance Coverage for up to ₹1,000
You get reimbursed for expenses incurred by you while availing a road ambulance during your hospitalisation.
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Room Rent
You are eligible for room rent for a shared accommodation during your hospitalisation. If the room category opted is higher than the shared accommodation then the policy holder shall bear 10% of the admissible claim amount.
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ICU Charges
Your ICU charges are covered up to your sum insured (₹3/₹4/₹5 lakhs).
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Annual Health Check-up
You get a free Annual Health Check-up for yourself and all family members for up to 1% of your sum insured (₹3000/₹4000/₹5000), only if there were no claims for 3 consecutive years.
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Restore ₹3/₹4/₹5 Lakhs for the same illness Automatically
In special cases where you run out of your health cover due to a claim made, your cover of ₹3/₹4/₹5 Lakhs will be restored in your policy for you or your family members. Basically, think of this like recharging your talk time! So you and your family get the same fresh coverage for the same illness, as long as you get hospitalised after 45 days of being discharged. Automatic restoration benefit is immediately available for unrelated illness/ diseases.
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Organ Donor Cover
You will get reimbursed for any medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery up to your sum insured (₹3/₹4/₹5 Lakhs).
What’s Not Covered?
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30-Day Waiting Period
There is a waiting period of 30 days before a claim can be filed for any illness except injury due to an accident. In other words, any diagnosis of disease / undergoing surgery / occurrence of any event, whose signs or symptoms first occur within 30 days of buying this policy period will not be eligible.
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4 Years of Waiting Period on Pre-existing Illnesses
There is a waiting period for 4 years due to pre-existing illnesses like – diabetes, blood pressure, cancer, heart surgeries, etc. (Full List)
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2 Years of Waiting Period for Special Ailments
Any listed illnesses/treatments will be covered after a waiting period of 24 months. For example, non-infective arthritis, joint replacement, cataract, etc. the coverage kicks in only after two years.
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Self-Inflicted Injury from attempted Suicide
Expenses due to self-inflicted injury (resulting from suicide, attempted suicide) are not covered.
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Alcohol or Drug Use
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse are not covered.
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AIDS
Medical expenses incurred for treatment of AIDS are not covered.
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Pregnancy-Related Expenses
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences are not covered.
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Congenital disease
Any ailment or diagnosis present from the time of birth is not covered under the health plan.
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OPD Expenses
Medical expenses for OPD and treatments where hospitalisation was not required are not covered.
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Optical/dental care
Expenses for contact lenses, spectacles or a dental treatment are not covered.
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In-Vitro Fertilisation
Tests and treatment relating to infertility and in-vitro fertilisation are not covered.
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War, Riot, Strike and Nuclear Weapons
War, riot, strike, and nuclear weapons induced hospitalisation is not covered.
What’s Covered?
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Lifelong Renewability
Once you buy this plan, you stay covered throughout your life, provided you renew the policy on time every year.
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Alternate Treatments
Even treatments under Ayurveda, Unani, Sidha or Homeopathy are covered up to your sum insured (₹3/₹4/₹5 Lakhs).
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Compassionate Travel
Covers expenses up to ₹20,000 related to a round trip economy class air ticket, or first-class railway ticket, to allow the Immediate Family Member to be at insured person's bedside during his or her stay in the hospital.
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Flexible Sum Insured
You can increase or decrease your sum insured from ₹3 lakhs every year at the time of renewal, depending your needs. For example, if it is recommended to increase your sum insured if you have a child or decrease it when your employer also provides you with health insurance.
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Tax Benefit
The premium amount paid under this policy qualifies for deduction under 80D of Income Tax (Amendment) Act, 1986.
What’s Covered?
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Life Cover for ₹50/₹75 Lakhs
A term life insurance that pays your nominee ₹50/₹75 lakhs on death.
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Renewal up to 40 Years
You can renew this insurance for 40 years up to a maximum age of 80 years.
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Tax Benefit
You get to enjoy tax benefits on the premium you invest as well as the maturity of those, under Section 80C and Section 10(10D) as per prevailing income tax laws.
What’s Not Covered?
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Suicide within 1 year
In case of suicide within 1 year of buying the policy, the claim won’t be admissible.
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No maturity or survival benefit
You will not get any money back, if you live beyond 80 years of age or 40 years of coverage.
Which is fine because by then all your dependents should be earning a livelihood and your savings would be enough to see you through any eventuality.
(Tip: Save the money you would have otherwise put into money back and ULIP policies.)
What’s Covered?
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Theft up to ₹1/₹2/₹5 Lakhs
Theft in your home is covered up to ₹1/₹2/₹5 lakhs.
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Loss or Damage up to ₹1/₹2/₹5 Lakhs
Any kind of loss or damage on account of disasters like fire and others covered under STFI cover (Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation) owing to loss/damage to your belongings is covered up to ₹1/₹2/₹5 lakhs.
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Home Utility Appliances
Any accidental physical damage caused due to mechanical or electrical breakdown of utility items such as refrigerator, washing machine, air cooler, air conditioner, microwave/oven is covered for up to ₹30,000/₹60,000/₹1,25,000 of repair expenses. There will be a standard 10% annual depreciation applied to the claim amount.
What’s Not Covered?
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Belongings without invoice
Original invoice of all the appliances will be needed at the time of the claim.
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Standard Depreciation Is Applicable
A 10% annual depreciation will be applied to all the claim amount submitted. So, if your appliance is 2 years old, 20% will be deducted from the claim amount of theft or repair.
What’s Not Covered?
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Structure of your Home
This policy only covers your belongings inside your home, and not the building structure of your house.
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Loss or damage of Mobile Phones and Electronic Gadgets
Loss or damage to mobile phones and other home electronics such as TV, Computers, Music Systems, Gaming consoles, etc. are not covered.
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Deductible on the theft/disaster coverage
There will be a deductible applicable of 5% on the claim for theft or damage on account of the covered disasters.
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Jewellery and Cash
The home insurance doesn’t cover any loss or damage to your jewellery and cash.
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Wear & tear
Loss or damage caused by depreciation or wear and tear to any appliances or utility item is not covered under the plan.
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Riots or Terrorism Damage Cover
Any kind of loss or theft during any riot, strike or act of terrorism is not covered under the home insurance plan.
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Bicycles or motor vehicles
Theft or damage to any belonging under motor vehicles, or bicycles is not covered.
How to Claim
Just like the plan, submitting your claims for reimbursements and cover is as easy as a-b-c!
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a
Log in on Toffee
On Toffee website, go to ‘Claims’ section and log into your account using your mobile number.
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b
Upload Your Documents
Upload the scanned copies or pictures of required certificates, bills, or documents.
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c
Keep it All Online
Once you hit submit on your claim, just sit back and relax. You can track the status of your claim anytime, anywhere by just logging into your account, or simply opt for updates via our app or whatsapp service.
Starting from ₹600 per Month
*Including GST