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  • IFFCO Tokio Travel Insurance

    IFFCO Tokio Travel Insurance
    Overview:

    No matter how cushy your job or how active your friend circle, nothing can substitute the thrill which travelling offers. Travelling helps your mind and body to relax by breaking the monotony of our humdrum routine. However, like any other activity, travel too can be disrupted by unforeseen situations like illnesses, misplacing of documents or even loss of luggage en route. All these and such other similar situations can not only dampen the excitement and but also cause much stress. There is, however, a way to bypass all that stress and worry while you’re travelling. By taking a best travel insurance policy, you can easily cover yourself against a variety of risks and situations which may arise while you’re travelling.

    Among leading travel insurance providers in India, IFFCO Tokio offers some of the widely popular comprehensive travel insurance policies to keep you safe on your travels. The company offers two kinds of travel insurance policies which include an Online Travel Insurance Policy and Pravasi Bhartiya Bima Yojna. Read on to find out more about what each of these policies have to offer.

    Types of Travel Insurance Offered by IFFCO Tokio:

    IFFCO Tokio offers two distinct types of travel insurance plans, each designed to address specific requirements. Given below is a set of highlighting features of each plan­.

    1. Travel Insurance Policy Online
    2. Pravasi Bhartiya Bima Yojna
    1. Travel Insurance Policy Online:
    • This plan covers you not only when you’re travelling within India but also when you travel abroad, be it for work or leisure.
    • The policy includes multiple sub-plans like Gold 500, Gold 250, Gold 100, Silver and Bronze, each of which offers varying level of insurance cover, depending on the amount.
    • This policy covers the following:.
    • Health Cover – Includes medical expenses, dental treatment, transportation and daily hospital allowance..
    • Loss of Passport..
    • Personal Accident (implying any unforeseen or unpredictable accident caused due to external, violent and physical means)..
    • Financial Emergency Assistance Cover..
    • Hijack distress Allowance..
    • Personal Liability (implying any legally enforceable obligation).
    • Total Loss of Baggage, including delay in Baggage.
    • In case of any emergency occurring while you’re travelling abroad, IFFCO Tokio offers 24 hour worldwide assistance..
    2. Pravasi Bhartiya Bima Yojna:
    • This insurance policy is compulsorily meant for individuals who are travelling outside India for employment purposes with ECR (Emigration Check Required).
    • Personal Accident - This policy covers you against any accidental bodily harm which leads to permanent total disablement or death and results in loss of employment (under 12 months of bodily injury).
    • Hospitalization Expenses – Covers hospitalization expenses for three classes of emigrants, which are (i) Up to Rs 75,000 for Emigrants, (ii) Up to Rs 25,000 for female Emigrants and (iii) Up to Rs 50,000 for the family of emigrants.
    • Hospitalization Expenses cover the following expenses:
    • Nursing expenses at the hospital (incl. registration & service charges), room rent & board.
    • Fee payable to the surgeon, medical practitioner, anaesthetist, medical consultant or specialist.
    • Cost of medicines, oxygen, blood, operation theatre, diagnostic expenses, anaesthesia, etc.
    • Transportation / Airfare Expenses for the Attendant – This section covers all expenses incurred in the transportation of the mortal remains of the deceased from back to India from the place where the death has occurred. It also covers expenses the expense of return airfare of one attendant who is to accompany the mortal remains of the deceased back to India.
    • Legal Expenses – This section shall cover all litigation expenses for an amount of up to Rs 30,000 incurred for any contingencies related to the insured’s employment.
    • Repatriation Expenses & Employment Contingencies – This sections covers the insured for the cost of one way return airfare to India under any of the following situations:
    • Loss of employment due to the job offer being withdrawn by the employer upon your arrival at the work destination abroad; OR
    • Premature termination of employment within 3 months due to the job agreement turning disadvantageous or a situation where the insured can’t be blamed; OR
    • Termination of employment due to the insured becoming medically unfit to resume / continue work, provided that the same happens within the first 12 months of commencement of policy cover.
    • All reimbursements and benefits under this policy are only applicable / available if the insured is working for the same employer in the same country and under the same profession as has been declared by them in their Proposal Form and the same has also been accepted by the policy provider and incorporated in the Policy Schedule.

    IFFCO Tokio Travel Insurance Policy Cover:

    The IFFCO Tokio Travel Insurance policy will safeguard you against the following:

    1. Health Cover - This will take care of any unforeseen Medical Expenses, cost of Dental Treatment, or the cost incurred towards the transportation to avail medical help while you are travelling. The cover also provides you with Daily Hospital Allowance.

    2. Policy provides for Total Loss of Baggage i.e. if all your baggage is lost while you’re travelling. It also provides for any Delay that might be caused in receiving your baggage while travelling.

    3. Distress Allowance

    4. Loss of Passport – The policy provides for the cost incurred in getting a fresh or duplicate passport issued in case you lose your original one while travelling.

    5. Financial Emergency Assistance Cover – You never know what emergency you might have to face while travelling. In case you are in need of financial help while travelling, the policy shall assist you in obtaining that.

    6. Personal Liability – In case during your travel, any third party or third party property sustains any damage, this policy shall cover you for any legal liability which may arise from such an incident.

    7. Cover against Personal Accident

    IFFCO Tokio Travel Insurance Exclusions:

    The IFFCO Tokio Travel Insurance policies provide unparalleled protection and ensure that you have a smooth and uneventful trip whether you’re travelling within India or overseas. However, like all travel insurance policies, these policies also feature some common exclusions which are not covered by the policy and will not be entertained at the time of claim settlement. Following is the list of general exclusions under the IFFCO Tokio Travel Insurance Policy:

    1. Claims related to events which have occurred prior to commencement of the policy cover.
    2. Any claims arising due to the insured:
      • Travelling against the physician’s advice; OR
      • Being on the waiting list for or undergoing a specific medical treatment as advised by the physician; OR
      • Taking part in a military, Naval or Air Force operation; OR
      • Having received terminal prognosis for a medical ailment / condition.
    3. Claims arising due to illnesses / accidents caused intentionally by the insured under the influence of alcohol or drugs.
    4. Claims arising due to anxiety, stress, mental disorders or depression.
    5. Claims arising from any venereal diseases and/or any loss resulting from illness, loss of expense, injury, liability or death due to HIV (Human Immunodeficiency Virus) or AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative of the same.
    6. Claims arising due to accidents or illnesses caused by wars or war-like incidences, foreign enemy activity, participation in civil war / riots, rebellion, hostilities, insurrection, usurped power / military nationalization / confiscation / requisition / destruction of / damage to any government owned property.
    7. Claims resulting from damage to any property or loss / expenses / consequential loss arising directly or indirectly due to:
      • Contamination, ionizing or radiation by radioactivity from nuclear waste produced due to combustion of fuel.
      • Hazardous, explosive, toxic or radioactive properties of an explosive nuclear component or assembly.
      • Claims arising due to sporting risk which involves training or participation in competitions with professional / semi professional sportspersons.

    IFFCO Tokio Travel Insurance Claim Process:

    The procedure to file a claim with IFFCO Tokio on a travel insurance policy is rather simple and hassle free. The company has put in place a very customer friendly claim settlement process which involves a few basic steps. Customers must submit a duly filled claim form, along with the necessary original receipts and bills for medical expenses, travel, transportation, etc.

    IFFCO Tokio Travel Insurance FAQs:

    1. Q: Does the applicant have to undergo a medical examination before applying for the IFFCO Tokio Travel Insurance Policy?

      A: No, the applicant need not undergo a medical examination / test to apply for travel insurance. Applicants who have completed 70 years of age, however, do need to submit their medical reports for application purposes.

    2. Q: Does the IFFCO Tokio Travel Insurance Policy cover dental treatments?

      A: Yes, this insurance policy covers the cost of dental treatments.

    3. Q: What happens if the insured passes away while travelling or on foreign land?

      A: In the unfortunate event of the insured passing away while on foreign land, the company shall pay the surviving members a sum of up to $7,000 for the transportation and carrying out of the last rites of the deceased at a local destination.

    4. 4.Q: What are the exclusions of the Pravasi Bhartiya Bima Yojna?

      A: Following is the list of exclusions under this insurance policy:

      • Claims related to events which have occurred before the commencement / after the expiry of the cover, as described in the policy documentation.
      • Any claims arising due to the insured: (i) Being on the waiting list for or undergoing a specific medical treatment as advised by the physician; OR (ii) Travelling against the physician’s advice; OR (iii) Taking part in a military, Naval or Air Force operation; OR (iv) Being given a terminal prognosis for a medical ailment / condition.
      • Any claims arising due to the insured person working in a different country of employment and/or in a job / profession with a different employer / sponsor, than what has been declared by them in their Proposal Form / mentioned in the Schedule regarding their country of employment, job / employment and employer / sponsor.
      • Claim arising after the expiry of the insured’s Passport or Visa.
      • Claims arising due to illnesses / accidents caused or attempt to commit suicide intentionally by the insured under the influence of alcohol or drugs.
      • Claims arising due to anxiety, stress, mental disorders or depression.
      • Claims arising from any venereal diseases and/or any loss resulting from illness, loss of expense, injury, liability or death due to HIV (Human Immunodeficiency Virus) or AIDS (acquired Immune Deficiency Syndrome) or any mutant derivative of the same.
      • Claims arising due to accidents or illnesses caused by wars or war-like incidences, foreign enemy activity, participation in civil war / riots, rebellion, hostilities, insurrection, usurped power / military nationalization / confiscation / requisition / destruction of / damage to any government owned property.
      • Claims resulting from damage to any property or loss / expenses / consequential loss arising directly or indirectly due to:
      • Contamination, ionizing or radiation by radioactivity from nuclear waste produced due to combustion of fuel.
      • Hazardous, explosive, toxic or radioactive properties of an explosive nuclear component or assembly.
      • Asbestosis or any sickness / disease related to the same, resulting from the use / deposit / distribution/ sale / manufacture / processing / production / handling / or even the existence of asbestosis or its related products.
      • Claims arising due to the involvement of the insured person in any criminal or unlawful act.
      • Claims arising due to war or military action taking place against the country / internal conflict having occurred in the country where the insured person is working / is employed.
      • Claims arising regarding the insured’s travel to:
      • Any country against whom the Indian government has imposed / may soon impose general or specific travel restrictions; OR
      • Any country which has imposed similar travel restrictions on any Indian citizen travelling to the said country.
      • Claims related to any loss arising due to consequences.
    5. Q: How will I receive my policy post-application?

      A: A hard copy of the policy shall be couriered to you, along with a soft copy which will be sent by email to your registered email address. Policies which have been purchased online shall be sent directly to the holder via email.

    6. Q: What happens in case of Total loss of Checked Baggage?

      A: In case of Total Loss of Checked Baggage, IFFCO Tokio shall pay the insured a maximum sum of up to $1,000 to take care of immediate unavoidable needs like clothing, etc.

    7. Q: What is the amount of cover provided for Personal Accident under the Pravasi Bhartiya Bima Yojna?

      A: A sum of Rs 10,00,000 / Rs 20,00,000 (applicable only for Libya) shall be provided if any Personal Accidents occur.

    8. Q: Under the Pravasi Bhartiya Bima Yojna, is there a time limit to file the claim for the transportation expenses of one attendant accompanying the mortal remains of the deceased?

      A: Yes, all claims for reimbursement must be filed within 90 days of the completion of the journey.

    9. Q: What must I submit at the time of registering a claim under the IFFCO Tokio travel insurance policy?

      A: You are required to submit all bills, vouchers, tickets and receipts along with the claims which will be settled in Indian currency.

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