COCOCure Health Insurance vs IFFCO Tokio Health Insurance

Three years ago, no one could have even imagined that a virus named after a beer would go uncontrolled. If the second wave of the COVID-19 pandemic teaches anything, it is that so much is outside an individual’s control. What is within your control is preserving your health and taking all precautions. One such precaution is health insurance. It reduces the financial strain that can fall on your shoulders when you need medical care. It works as a protective bubble and keeps you and your loved ones covered in times of crisis – ensuring all expenses for your recovery are cared for. Check out the benefits of health insurance with this COCOCure Health Insurance and IFFCO Tokio Health Insurance comparison guide.

COCOCure Health Insurance vs IFFCO Tokio Health Insurance – Overview 

Parameter	COCOCure Health Insurance	IFFCO Tokio Health Insurance
No. of health insurance policies	8	10+
E-services	Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer help	Policy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer support
Branches	17	20,000+
Claim settlement ratio (CSR)	97%	92%
Cashless claim settlement time	Within 24 – 48 hours	24 hours
Hospital network	5,000+	5,000+

*Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – for the years 2019-20.

Health Insurance Policies: COCOCure Health Insurance vs IFFCO Tokio Health Insurance

COCOCure Health Insurance, better known as Navi General Insurance, has more than 1.1 million customers across India. It offers around 8 health insurance policies. 

IFFCO Tokio Health Insurance is one of the rare insurance providers to have a citywide presence, and also a widespread reach in rural areas and Tier 2, 3 and 4 towns. It offers over 10 health insurance policies. 

Individual and Family Floater Policy: 

COCOCure’s Family Floater Policy called Navi Health offers: 

• Sum insured (SI) amount options up to Rs. 1,00,00,000
• Mandatory deductible amount options up to Rs. 2,00,000
• Coverage for:

• Pre and post-hospitalization
• In-patient hospitalization 
• Non-allopathic (AYUSH) treatments that include: 

1. Ayurveda
2. Unani
3. Siddha
4. Homeopathy

• Domiciliary hospitalization
• Mental illness treatment 
• Daycare treatment 
• Advanced treatments 
• Organ donor transplant expenses 
• HIV/ AIDS treatment 
• Maternity and newborn baby needs 
• 6 vector-borne diseases 
• Bariatric surgery for obesity control 
• 5 counselling sessions 

• Road and air ambulance charges 
• Health and wellness services 
• Daily hospital cash allowances 

IFFCO Tokio offers 3 Family Floater Policies:  

• Family Health Protector Policy
• Health Protector Policy
• Swasthya Kavach Policy  

These policies give: 

• SI amount options up to Rs. 30,00,000
• Deductible amount options up to Rs. 5,00,000
• Coverage for: 

• Pre and post-hospitalization
• In-patient hospitalization 
• Domiciliary  hospitalization
• Nursing care expenses 
• Over 160 daycare procedures 
• Vitamins, tonics, and medicines 
• Organ donor transplant expenses 
• AYUSH treatments 
• Vaccination charges 
• Critical illnesses 
• COVID-19 treatment 
• Emergency assistive services 
• Ambulance charges 

Vector-borne Policy: 

COCOCure offers Coco Seasonal Byte that gives: 

• SI amount options up to Rs. 2,00,000
• An additional fixed cash benefit up to Rs. 10,000 on the diagnosis of Dengue/ malaria only 
• Coverage for: 
• 7 vector-borne diseases: 

1. Malaria
2. Chikungunya
3. Zika fever 
4. Dengue fever
5. Swine flu
6. Leptospirosis 
7. Encephalitis 

• Pre and post-hospitalization 
• In-patient hospitalization 
• Domiciliary hospitalization
• AYUSH treatments
• OPD treatment 
• Road ambulance charges

• Funeral expenses
• Repatriation of mortal remains 

IFFCO Tokio offers the MOS-BITE Protector Policy that gives:

• SI amount options up to Rs. 1,00,000
• 100% payout of the SI after the insured is hospitalization for over 48 hours for the treatment of a vector-borne disease
• Coverage for: 
• 7 vector-borne diseases: 

1. Malaria
2. Chikungunya
3. Kala azar 
4. Dengue fever
5. Zika virus 
6. Lymphatic filariasis 
7. Japanese encephalitis 

• A complete waiver of the pre-policy medical check-up required to buy the policy 

Arogya Sanjeevani Policy: 

The Arogya Sanjeevani Policy shares standard features across insurers, including COCOCure Health Insurance and IFFCO Tokio Health Insurance. Its features include: 

• SI amount options up to Rs. 5,00,000
• Coverage for: 

• Pre and post-hospitalization
• In-patient hospitalization 
• Domiciliary  hospitalization
• Daycare procedures 
• Organ donor transplant expenses 
• AYUSH treatments 
• Cataract treatment 
• Ambulance charges 
• Daily hospital cash benefits