IFFCO Tokio Travel Insurance

Nothing can substitute the thrill which traveling offers. Traveling helps you to relax in many ways. It breaks the monotony of life. However, just like any other activity, traveling can get disrupted by accidents and illnesses. Situations like these can dampen the excitement of traveling. To make the best out of every trip, you must buy a travel insurance. By buying the best travel insurance policy, you can cover yourself and your family against a range of risks and situations that could arise while traveling.

Among the leading travel insurance providers in India, IFFCO Tokio has some widely popular comprehensive travel insurance policies that could keep you safe during your trips. The company offers two types of travel insurance policies:

• Online Travel Insurance Policy

• Pravasi Bharatiya Bima Yojana

Read on to know more about what the features and benefits of these policies.

Types of Travel Insurance Offered by IFFCO Tokio

IFFCO Tokio offers two different types of travel insurance plans, each of these is designed to address special requirements. Features of these policies have been highlighted below:

• Travel Insurance Policy Online

• Pravasi Bhartiya Bima Yojna

Travel Insurance Policy Online

Covers traveling within India and abroad for both work and leisure

The policy covers multiple sub-plans such as Gold 500, Gold 250, Gold 100, Silver and Bronze. All these sub-plans offer a varying level of insurance cover, depending on the sum assured.

This policy covers the following:

Health Cover

• Includes medical, dental, transportation expenses and daily hospital allowance

• Loss/Theft of passport or any other important documents

• Personal Accident (implies any unpredictable accident that is caused by external, violent and physical means)

• Emergency Assistance Cover

• Hijack Distress Allowance

• Personal Liability cover

• Loss/Delay of Baggage

• If there's any emergency happening while you’re traveling abroad, IFFCO Tokio offers 24-hour worldwide assistance throughout the world

Pravasi Bhartiya Bima Yojna

This insurance policy is exclusively meant for people who are traveling outside India for employment purposes

Personal Accident

His policy covers you against accidents which lead to partial or total disability or death of the insured

Hospitalization Expenses

Covers hospitalization expenditure for three types of emigrants:

• Up to Rs 75,000 for all Emigrants

• Up to Rs 25,000 for female Emigrants

• Up to Rs 50,000 for the family of emigrants.

Hospitalization Expenses cover the following expenses:

• Nursing expenditure in the hospital, room rent etc

• Fee payable to the consultant, physician or specialist

• Cost of medications and diagnostic expenditure

Transportation/Airfare Expenses for the Attendant

This section covers the expenses incurred to transport the remains of the deceased back to India. It also includes the expenses of return airfare of the individual who would be accompanying the remains of the deceased back to India

Legal Expenses

This section covers the litigation expenses for up to Rs 30,000 incurred due to any accidents linked with the employment of the insured.

Repatriation Expenses & Employment Contingencies

These sections cover the insured for the cost of one way return airfare to India under the following situations:

• Loss of employment due to the job offer being withdrawn by the employer

• Premature termination of employment (within 3 months) where the job agreement turns disadvantageous or under circumstances where the insured can't be blamed

• Termination of the employer due to severe illness of the employee

• The reimbursements and benefits of this policy are applicable only if the insured is working for the same employer and the same country as declared in the Proposal Form.

IFFCO Tokio Travel Insurance Policy Cover

IFFCO Tokio Travel Insurance policy could safeguard you against the following:

• Health Cover

  • This can cover you against any form of Medical Expenses, Dental Treatment or the expense of transportation to the hospital for availing medical care. This policy also covers the Daily Hospital Allowance.

  • This policy offers compensation for loss/damage to the baggage

• Distress Allowance

• Loss of Passport

The policy covers the cost incurred in acquiring a fresh or duplicate passport if you lose the original passport while traveling.

• Financial Emergency Assistance Cover

If you need financial help while travelling, this policy shall assist you in getting that.

• Personal Liability

If you get involved in an accident during traveling that affects a third party, this policy would cover you from any legal liability that may arise in such cases.

• Cover against Personal Accident

IFFCO Tokio Travel Insurance Exclusions

The IFFCO Tokio Travel Insurance plans offer exceptional protection and ensure that you have a smooth and pleasant trip whether you’re traveling in India or abroad. However, just like all the travel insurance policies, these policies also have some common exclusions that aren't covered and are usually not entertained during claim settlement. List of general exclusions for IFFCO travel insurance policies:

• Cosmetic surgery isn't covered under this policy. However, plastic surgery undergone due to a severe accident is covered.

• Pre-existing medical conditions aren't covered (except for life-threatening circumstances)

• The policy doesn't cover injuries inflicted while participating in dangerous adventure sports.

• This policy doesn't cover damages caused by terrorist activities

• If you don't report the loss of travel documents such as your passport to the local authorities within 24 hours, the company won't provide cover for the loss incurred. Similarly, if your travel documents are left unattended in a public place, you won't receive the claim amount

• Coverage is not provided for partial loss of items that were inside the checked-in luggage.

• If the insured person is pregnant while traveling and any complications arise while traveling.

• If the passport of insurance holder is lost or damaged due to confiscating or detaining by any law enforcement agency.

• Loss/Damages which aren't informed to the authorities within a day of losing the items

• Damages/loss due to war or war-like activities

IFFCO Tokio Travel Insurance Claim Process

The procedure for filing a claim with IFFCO Tokio on a travel insurance policy is simple and hassle-free. The company has devised a customer-friendly claim settlement procedure which involves a basic steps. Customers should submit a duly filled claim form and the original receipts for medical, travel and commuting expenses

IFFCO Tokio Travel Insurance FAQs

Does the applicant need to undergo a medical examination before he/she applies for the IFFCO Tokio Travel Insurance Policy?

No. The applicant doesn't need to undergo any medical examination/test to apply for travel insurance. Applicants above 70 years are required to submit a medical report that verifies their medical condition.

Does the IFFCO Tokio Travel Insurance Policy cover any dental treatments?

Yes, IFFCO travel insurance policy covers the cost of dental treatments as well.

What can be done if the insured passes away while traveling or on foreign land?

In a situation where the insured passes away while they're traveling, the company can pay up to 7000 for transporting the remains of the deceased.

How can I receive my policy post-application?

A hard copy of the policy is couriered to your address and a soft copy is sent to you through email. Policies that have been bought online must be sent directly to the policyholder through email.