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Travel Insurance 388 views June 14, 2021
IFFCO TOKIO General Insurance provides the best international travel insurance plan for you and all your family members. With IFFCO TOKIO Travel Insurance, you can get financial protection from a host of unforeseen emergencies like lost baggage, a lost passport, trip cancellation, flight delays, medical expenses, and numerous other unfortunate events while traveling abroad. Key Features of IFFCO TOKIO Travel Insurance are as follows:
- 24X7 Claim Assistance
- Medical Cover up to USD 500,000
- Dental Treatment Cove
- Daily Allowance Benefit
- Loss & Delay of Baggage Cover
- Loss of passport Cover
- Personal Accident Cover
- Financial Emergency Assistance
- Personal Liability Cover
- Claim Settlement Ratio 92.65% (as per the annual audited financials, FY’2019)
Every trip is different, some you share with co-workers, some with family, some with your spouse, and some are solo adventures. To take care of that, IFFCO TOKIO provides you two different travel insurance plans for your varying needs.
- International Travel Insurance
- Pravasi Bharatiya Bima Yojana
- Travel Protector Policy
Table of Contents
Know more about the IFFCO TOKIO Travel Insurance Plans coverage on this page below.
IFFCO TOKIO International Travel Insurance
This policy comes in different variants, so let’s check out the coverage in each of them in this table below:
| Gold 500 | Gold 250 | Gold 100 | Silver | Bronze |
|---|---|---|---|---|
| Medical expenses covered up to $500,000 Dental treatment covered up to $250 Transportation of mortal remains or funeral at a local place is covered up to $7,000 Hospital Daily Allowance of $30, payable up to 20 days Total loss of checked-in baggage covered up to $1,000 Checked-in baggage delay is covered up to $150 Passport loss is covered up to $200 Hijack Distress Allowance of $700 Financial Emergency Assistance covered up to $250 Personal Accident Cover of $25,000 Personal Liability Cover of $100,000 Worldwide coverage | Medical expenses covered up to $250,000 Dental treatment covered up to $250 Transportation of mortal remains or funeral at a local place is covered up to $7,000 Hospital Daily Allowance of $30, payable up to 20 days Total loss of checked-in baggage covered up to $1,000 Checked-in baggage delay is covered up to $150 Passport loss is covered up to $200 Personal Accident Cover of $25,000 Personal Liability Cover of $100,000 Worldwide coverage | Medical expenses covered up to $100,000 Dental treatment covered up to $250 Transportation of mortal remains or funeral at a local place is covered up to $7,000 Total loss of checked-in baggage covered up to $1,000 Checked-in baggage delay is covered up to $150 Passport loss is covered up to $200 Personal Accident Cover of $25,000 Personal Liability Cover of $100,000 Worldwide coverage | Medical expenses covered up to $250,000 Dental treatment covered up to $250 Transportation of mortal remains or funeral at a local place is covered up to $7,000 Hospital Daily Allowance of $30, payable up to 20 days Total loss of checked-in baggage covered up to $1,000 Checked-in baggage delay is covered up to $150 Passport loss is covered up to $200 Personal Accident Cover of $25,000 Personal Liability Cover of $100,000 Worldwide coverage excluding U.S.A & Canada | Medical expenses covered up to $50,000 Dental treatment covered up to $250 Transportation of mortal remains or funeral at a local place is covered up to $7,000 Total loss of checked-in baggage covered up to $500 Checked-in baggage delay is covered up to $100 Passport loss is covered up to $200 Personal Accident Cover of $15,000 Worldwide coverage excluding U.S.A & Canada |
IFFCO TOKIO Pravasi Bharatiya Bima Yojana
If you purchase this IFFCO TOKIO Travel Insurance, you’ll get coverage against the following:
- Personal Accident: In case of accidental death or permanent disability due to such an accident, the insurer will pay up to INR 10 Lakh. The insurer shall cover permanent disability if it results in a loss of employment within 12 months of sustaining such an injury.
- Transportation and Airfare for Attendant: The insurer shall cover the expenses incurred on transporting the mortal remains of the insured person from the place of death to back to India. One attendant is allowed to accompany the mortal remains, and the insurer shall cover the cost of airfare.
- Hospitalization Expenses: If you are hospitalized due to illness/injury, the insurer will pay up to INR 1 Lakh. You’ll receive up to INR 50,000 per instance of hospitalization.
- Family Hospitalization Cover: Medical expenses coverage for spouse and two children up to INR 50,000 in case of death or permanent disability of the insured person.
- Maternity Cover: The insurer shall cover the medical expenses up to INR 35,000 in case of standard delivery or INR 50,000 for cesarean operation.
- Employment Contingencies and Repatriation Expenses
- Legal Expenses
Conditions Applicable to IFFCO TOKIO Pravasi Bharatiya Bima Yojana
- Hospitalization expenses will be reimbursed only if the treatment is received as an in-patient in a recognized hospital or nursing home
- Hospitalization must be a result of an accident, injury or sickness
- You can receive medical treatment in India, the country of your employment or any third country. But the insured family members can receive the treatment in India only.
- The insurer shall cover the following hospitalization expenses under this policy: Room rent, boarding and nursing expenses incurred in the hospital, including registration and service charges. Fees of Surgeons, Consultants, Anaesthetists, Specialists and Medical Practitioners. Cost of Anaesthesia, Oxygen, Operation Theatre, Blood, Medicines, and Diagnostic Expenses, etc.
- Reimbursement of one-way Economy Class airfare is available in case of return to India
IFFCO TOKIO Travel Protector Policy
Under this policy, you’ll get coverage against the following expenses during your travel:
- Medical expenses
- Dental treatment
- Transportation expenses
- Hospital Daily Allowance of $30 for each day of hospitalization
- Total loss of baggage including delay of baggage
- Hijack distress allowance of $125 per day
- Loss of passport
- Financial emergency assistance
- Personal liability
- A personal accident resulting in death or permanent disability
General Exclusions from IFFCO TOKIO Travel Insurance
The insurer shall not pay for the following expenses under IFFCO TOKIO Travel Insurance:
- If you are traveling against the advice of a medical practitioner
- Traveling for medical treatment
- Participation in a naval, military or air force operation
- Intentional self-injury
- Breach of law
- Abuse of drugs/alcohol
- Mental disorders
- HIV (Human Immunodeficiency Virus) or any HIV related illness including AIDS (Acquired Immunodeficiency Syndrome) or any mutant derivative or variations
- War and warlike occurrence
- Participation in riots, confiscation, nationalization, requisition of, destruction of, damage to property by or under the order of any government or local authority.
- Ionizing radiation or contamination by radioactivity from any nuclear fuel or any nuclear waste
- Participation in professional or semi-professional sports