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UPDATED JUN 16, 2026Toku provides employer-sponsored health and accident insurance in India to support employees and their families. Coverage includes group medical insurance and group personal accident insurance, offering protection for hospitalization, maternity, accidents, and related medical needs.
Employees and eligible dependents are covered under the plan in accordance with policy terms.
Summary of India Health Insurance (ICICI Lombard)
Toku partners with ICICI Lombard, a leading Indian health insurer, to provide comprehensive group medical insurance coverage for employees and their eligible family members.
Plan Sponsorship & Coverage Overview
- This plan is 100% employer-sponsored for both you and your eligible family members!
- Coverage applies as outlined in the policy schedule
- Pre-existing conditions are covered from Day 1, with no waiting period
Eligibility & Enrollment
Prior to your effective date, you will receive an email from [email protected] to confirm whether you would like to enroll in or opt out of coverage. At that time, you will also have the option to add eligible dependents to your plan.
| Category | Coverage |
|---|---|
| Employee | Covered (primary member) |
| Spouse / Partner | Covered |
| Children | Up to 4 children |
| Parents* | Covered |
| Parents-in-Law* | Covered |
| Maximum Members | Employee + spouse + up to 4 children + parents / in-laws |
- Coverage for parents and parents-in-law is subject to policy terms.
How to Use Your Health Insurance
Insurance services and claims are managed digitally through Plum.
Accessing Your Coverage
Download the Plum app to manage your benefits:
Through the app, you can:
- Access your digital health ID card
- Search for nearby network hospitals
- Submit and track claims
- Book doctor consultations
- View wellness benefits and discounts
Cashless Claims
Recommended for planned procedures or treatment at network hospitals.
Process:
- Open the Plum app
- Locate a network hospital
- Select Planned or Emergency treatment
- Receive approval (typically within 2 hours)
- Hospital bills the insurer directly No upfront payment is required.
Reimbursement Claims
Used when cashless treatment is not available or for eligible outpatient expenses.
Process:
- Pay for treatment
- Submit a reimbursement request via the Plum app
- Upload bills digitally
- Track claim status in the app Reimbursements are typically processed within 7 - 10 working days.
Core Medical Benefits
| Benefit | Coverage |
|---|---|
| Pre-Existing Diseases | Covered from Day 1 |
| Pre-Hospitalization | 60 days |
| Post-Hospitalization | 90 days |
| Maternity Coverage | Up to ₹1,00,000 (first two children; includes normal & C-section) |
| Well Baby Expenses | Covered up to Sum Insured (₹7,00,000) |
| Ambulance Services | Up to ₹2,000 per claim |
| LASIK Surgery | Covered (±6.5D correction index) |
| Modern Treatments | Covered up to 50% of sum insured (e.g., CyberKnife, Stem Cell therapy) |
| Internal Congenital Conditions | Covered |
| External Congenital Conditions | Covered in life-threatening situations |
Summary of Group Personal Accident Insurance
Toku provides Group Personal Accident Insurance to offer financial protection in the event of accidental injury or death.
Coverage Amount
- Sum Insured: ₹50,00,000 per employee
Accident Coverage Details
| Benefit | Coverage |
|---|---|
| Accidental Death | Up to 100% of sum insured |
| Permanent Total Disability | Up to 100% of sum insured |
| Permanent Partial Disability | Up to 75% of sum insured |
| Temporary Total Disability | ₹10,000 per week (up to 2 years) |
| Accidental Hospitalization | Up to ₹2,00,000 |
| Fractures & Burns | Up to ₹10,000 each |
| Children’s Education Benefit | ₹10,000 per child (max 2 children) |
| Daily Hospicash | ₹500 per day (up to 7 days) |
Need Help?
For questions about your India benefits or assistance with claims: