IFFCO Tokio Individual Personal Accident Insurance Policy

Entry Age

Minimum – 5 years.

Maximum - 70 years.

Basis

The policy is available on Individual basis, Family Package covers and on Group Cover basis.

Renewability

The policy can be renewed.

Special features

• The policy includes only death or permanent disability.

• The policy can be taken by members of armed forces and those who are involved in hazardous activities.

• Policy term is 1 year.

Extension

The policy can be extended by paying extra premiums to cover medical expenses incurred for the treatment of injury listed in the policy document.

Benefits

The policy offers the following benefits;

• Death benefits
• Cover for loss of sight, both eyes.
• Loss of limbs
• Loss of one limb and on eye
• Permanent and disablements.
• Education benefits that cover the education cost of your dependents in case something happens to you.
• Employment benefits
• Ambulance benefits that cover the cost involved in ambulance services.
• Cumulative benefits which include renewal without payment, compensation for damaged cloths during accident etc.

Bonus

The policy offers cumulative bonus which include renewal without payment.

Exclusions

The major exclusions under this policy include - self-injury, insanity, influence of intoxicating liquor or drugs, suicide, venereal disease, pregnancy and childbirth, war related injuries, HIV, and injuries caused by nuclear blasts etc.