IFFCO Tokio Travel Insurance

Why Buy IFFCO Tokio Travel Insurance?

Everybody wishes to enjoy their trips thoroughly and bring back happy memories. But the bitter fact remains that anything can go wrong anytime during an overseas trip no matter how carefully it was planned. It can not only lead to major financial losses but can also leave the traveller stranded in an unknown country. The only way to stay financial protected and get the necessary assistance in the hour of need is to secure the trip with travel insurance. 

IFFCO Tokio travel insurance provides comprehensive plans at an affordable rate that can be customized as per the traveller’s requirements. The insurer claims to enjoy a higher claim settlement ratio of 92.65% (2018-19) and offers round the clock global assistance. Moreover, they follow a fast and smooth claim settlement process.

Features of IFFCO Tokio Travel Insurance

Take a look at the below-mentioned unique features of IFFCO Tokio Travel Insurance:

• Worldwide Coverage- It covers the insured traveller across the world except for travel within India.
• Coverage for the Entire Family- It provides travel insurance coverage to the entire family, be it adults, children or senior citizens.
• Affordable Plans- IFFCO Tokio travel insurance can be purchased at an affordable rate. Hence, individuals from all walks of life can buy this policy.
• Medical Coverage- It provides the insured traveller with medical coverage that includes hospitalization expenses, hospital daily allowance, dental expenses, etc.
• Flight-related Coverage- It covers the insured traveller against unforeseen flight-related adversities, such as delay of checked baggage, flight hijack, loss of checked baggage, etc.
• Cashless Treatment- It comes with a cashless treatment facility for the insured traveller if hospitalized at a network hospital of  IFFCO-Tokio General Insurance Company.
• Plans for Frequent Flyers- It provides a multi-trip plan with a year-long validity for people who often travel abroad.
• Round the Clock Assistance- It offers 24x7 worldwide assistance to the insured in case of an emergency during the trip.

Things to Know About IFFCO Tokio Travel Insurance

Travel Insurance Plans Offered by IFFCO Tokio Travel Insurance

IFFCO-Tokio General Insurance Company offers two types of travel insurance plans to choose from. The following table shows IFFCO Tokio Travel Insurance plans available in the market:

Let’s take a look at the above-mentioned plans in detail:

1. IFFCO Tokio Travel Protector Policy

The IFFCO Tokio Travel Protector policy is a comprehensive travel insurance policy that covers the insured traveller against unfortunate events faced while travelling abroad. It offers a range of coverage benefits, including medical expenses, total loss of checked baggage, personal liability, loss of passport, personal accident, hospital daily allowance, hijacked distress allowance, etc.

The IFFCO Tokio Travel Protector policy is available in five variants listed below:

• Gold 500
• Gold 250
• Gold 100
• Silver
• Bronze

Moreover, this IFFCO Tokio Travel Insurance plan can be further categorised into 

• single trip insurance and
• multi-trip insurance depending on the duration of the trip.

Take a look at the benefits offered by IFFCO Tokio Travel Protector policy in the following table:

2. Pravasi Bharatiya Bima Yojna

The Pravasi Bharatiya Bioma Yojana is an overseas travel insurance policy, which is mandatory for all Indian emigrant workers going to foreign countries for employment. This plan is meant for travellers who fall under the ECR category or require emigration checks and are going abroad to work.

This policy can be applied by emigrant workers belonging to the ECR category and travelling to work in UAE, Thailand, South Africa, Malaysia,  Indonesia, Afghanistan, Iraq, Saudi Arabia, Kuwait, Syria, Qatar, Lebanon, Bahrain, Jordan, Sudan, Oman and Libya.

The Pravasi Bharatiya Bima Yojana offers coverage for personal accident, maternity expenses, hospitalization expenses, litigation expenses, repatriation of mortal remains and transportation expenses in case of loss of job.

Inclusions under IFFCO Tokio Travel Insurance Plans

The IFFCO Tokio Travel Insurance policy covers the insured for the following risks:

1. Medical Expenses - IFFCO Tokio travel insurance provides medical coverage to pay forthe expenses incurred on emergency hospitalisation expenses due to illness, treatment expenses, etc.

3. Personal Accident Cover - It covers the insured traveller against any expenses incurred while availing treatmentfor an accidental injury. It also pays compensation in case of accidental death or disability.

5. Total Loss of Checked Baggage - The policy pays forthe losses incurred by the insured due to the loss of check-in baggage, which has been misplaced by the airlines.

6. Dental Treatment Cover - The policy covers the insured for any dental emergencies for up to 250 USD faced while travelling abroad.

7. Hospital Daily Allowance -  If the insured is hospitalised for more than 48 hours abroad, IFFCO Tokio GeneralInsurance Company will pay a hospital daily cash of 30 USD for a maximum of 20 days.

8. Checked Baggage Delay - In case of check-in baggage delayfor more than 12 hours, the insurer will reimburse the expenses incurred by the insured on essential items, such as clothes, toiletries, etc.

9. Hijack Distress Allowance - In case of the hijack of the flightfor more than 12 hours, the insurer will provide the insured with a distress allowance of 125 USD for a maximum of 7 days.

10. Financial Emergency Assistance - In case the insured traveller loses his/her wallet or credit card, the IFFCO Tokio General Insurance Company will come to the rescue by offering an emergency cash benefit of 250 USD.

11. Passport Loss- It reimburses the cost of obtaining the duplicate or new passport by the insured for up to 200 USD if he/she has lost the original one.

12. Personal Liability- It covers any legal liability of the insured in case he/she has caused accidental property damages or bodily injuries to a third party.

13. Repatriation of Mortal Remains- It covers the expenses incurred on transporting the mortal remains of the insured back to India.

Exclusions under IFFCO Tokio Travel Insurance Plans

The IFFCO Tokio Travel Insurance plans do not extend coverage to the insured under the below conditions:

• Claims for events before the commencement of the travel policy
• Travelling against the advice of a physician
• Travelling to avail medical treatment abroad
• Injuries due to taking part in the operation of Naval, Military or Air Force operation
• Intentional self-inflicted injury, such as suicide, attempt to suicide etc.
• Expenses arising out of mental disorder or HIV/AIDS
• Claims resulting from war, war-like situations, civil war, vandalism etc.
• Injuries due to participation in high-risk sports
• Claims resulting from alcohol or substance abuse
• Claims arising out of nuclear reactions or related perils

The list of exclusions differs as per the plan type. Check the policy wordings to get the complete list.

How to Claim IFFCO Tokio Travel Insurance?

IFFCO Tokio Travel Insurance provides cashless and reimbursement claims. Take a look at them below:

Cashless Claim Process

Cashless claims can be raised for medical emergencies faced abroad. In order to provide assistance to the insured traveller round the clock while travelling, IFFCO Tokio has a global partnership with PHM Global as its third party administrator (TPA).

In case of a medical emergency, the insured can seek the assistance of the TPA and obtain the list of hospitals that offers cashless services. The procedure or cashless claim will be further completed at the insurance desk in the hospital. Once the insurer has authorized the treatment, the insured can avail the treatment without worrying about paying the bills.

Reimbursement Claim Process

In case the treatment is not availed from a network hospital abroad or if the insured has encountered a non-medical emergency, then the insured will be required to pay the bills and register a reimbursement claim with the TPA.

Step to Raise a Reimbursement Claim under IFFCO Tokio Travel Insurance

• Contact the TPA and intimate them about the emergency as soon as possible
• Avail treatment or pay for all the expenses incurred
• Download the claim form from the insurer’s website
• Provide sufficient proof of the claim by sending required documents through mail or fax to the insurer
• The insurer will pay the claim amount after verification.

Documents Required for Reimbursement Claim under IFFCO Tokio Travel Insurance

The following documents are required to claim IFFCO Tokio travel insurance:

• Claim form
• Discharge summary
• Original copies ofbills and payment receipts
• Doctor’s prescriptions and diagnostic testreports stating the nature of the illness
• FIR in case of loss of passport
• Property irregularity report by the airline

Check with the TPA to know the complete list of documents required to raise a reimbursement claim.

How to Enroll in IFFCO Tokio Travel Insurance Plans?

IFFCO Tokio Travel Insurance can be purchased offline as well as online easily. Check out the procedure to buy an IFFCO Tokio Travel Insurance policy below:

Online Process:

People can buy IFFCO Tokio Travel Insurance online at the website of Policybazaar Insurance Broker Private Limited. They can also purchase it on the insurance company’s website. Follow the steps given below to buy an IFFCO Tokio Travel Insurance policy online:

• Go to the official website of Policybazaar Insurance Broker Private Limited
• Click on the icon of ‘travel insurance’
• Fill in the details of the trip, such as travel dates, destination country, etc. in the form
• Provide the details of the travellers, including mobile number, age, etc.
• Choose the IFFCO Tokio travel insurance plan to buy
• Pay the premium amount online
• The policy will be issued in less than two minutes.

Do remember to compare different plans on Policybazaar.com to buy the best travel insurance policy online.

Offline Process:

Take a look at the various methods to buy an IFFCO Tokio Travel Insurance policy offline:

• Call Policybazaar Insurance Broker Private Limited on its toll-free number 1800-708-8787 and request to purchase the policy
• Visit the nearest branch of IFFCO-Tokio General Insurance Company and fill up the proposal form to purchase the policy
• Contact an insurance agent to buy the policy

If case of any confusion, send your queries at care@policybazaar.com