IFFCO Tokio Overseas Travel Insurance Policy
IFFCO Tokio General Insurance offers IFFCO Tokio overseas travel insurance policy to secure every trip that you take – be it a leisure or business trip, a solo travel or in a group, this plan will help you embark on the journey in a safe and secured manner. From a flight delay to medical emergencies this travel insurance plan covers all the possible travel-related perils that can otherwise ruin your trip. Check the features and benefits of IFFCO Tokio international travel insurance plans in detail below:
Features of IFFCO Tokio-Overseas Travel Insurance Policy
With IFFCO Tokio travel insurance make your journey risk-proof as it is one of the best travel insurance plans for international travellers. Here are some of the features of IFFCO Tokio overseas travel insurance plan:
Comprehensive Coverage Benefits
IFFCO Tokio overseas travel insurance policy provides you complete coverage in case of any mishap or an unforeseen event during your trip.
Personal Accident Cover
Unfortunately an accident can take place anytime and anywhere. This plan offers help if there is an accident while you are travelling abroad.
Loss of Baggage
In case you lose your checked-in baggage during the transit, IFFCO Tokio overseas travel insurance policy will recompense the expenses up to a specified limit. To enhance the coverage you can buy a separate baggage insurance policy as well.
Loss of Passport
What if you lose your passport during your travel? It can be cumbersome to get your passport back or get a new one made. The costs involved are reimbursed by the insurer.
Medical Expenses
This overseas travel insurance policy covers medical expenses including emergency medical hospitalization, emergency dental treatment, transportation to the emergency clinic, and daily hospital expenses.
Hijack Distress Allowance
The plan also compensates for the distress that is caused due to a hijack while travelling abroad.
Financial Contingencies
In case, you lose your wallet while you are on your trip and do not have a financial back-up then IFFCO Tokio overseas travel insurance policy cover the loss.
IFFCO Tokio Overseas Travel Insurance Policy Coverage
Depending upon the purpose of the travel, you can choose to buy any of the IFFCO Tokio travel insurance plans as listed below:
IFFCO Tokio Single-trip Travel Insurance
As the name suggests, this policy is for people who are traveling abroad and will be back to India within a stipulated time-frame.
IFFCO Tokio Multi-trip Travel Insurance
If you are a frequent overseas traveller then you should opt for a multi-trip travel insurance plan. It will not be only economical but will also save your time.
Iffco Tokio overseas travel insurance plans cover the following medical and non-medical expenses:
Medical expenses |
Personal accident |
Dental treatment |
Hijack distress allowance |
Medical evacuation |
Delay in receiving checked-in baggage |
Loss of checked-in baggage |
Loss of passport |
Hospital daily allowance |
Personal liability cover |
Transportation of mortal remains |
IFFCO Tokio Overseas Travel Insurance Policy Coverage Table
Coverage | Gold 500 | Gold 250 | Gold 100 | Silver | Bronze |
Medical Expense | USD 500,000 | USD 250,000 | USD 100,000 | USD 250,000 | USD 50,000 |
Dental Expense | USD 250 | USD 250 | USD 250 | USD 250 | USD 250 |
Mortal Remains or Repatriation Cover | USD 7,000 | USD 7,000 | USD 7,000 | USD 7,000 | USD 7,000 |
Hospital Daily Cash Allowance | USD 30 per day for 20 days | USD 30 per day for 20 days | Nil | USD 30 per day for 20 days | Nil |
Loss of Checked-In Baggage | USD 1,000 | USD 1,000 | USD 1,000 | USD 1,000 | USD 500 |
Delay in Checked-In Baggage | USD 150 | USD 150 | USD 150 | USD 150 | USD 100 |
Loss of Passport | USD 200 | USD 200 | USD 200 | USD 200 | USD 200 |
Hijack Distress | USD 700 | NA | NA | NA | NA |
Emergency Cash | USD 250 | Nil | Nil | Nil | Nil |
Personal Accident | USD 25,000 | USD 25,000 | USD 25,000 | USD 25,000 | USD 15,000 |
Personal Liability Cover | USD 100,000 | USD 100,000 | USD 100,000 | USD 100,000 | Nil |
Countries Covered | Worldwide | Worldwide | Worldwide | Worldwide excluding U.S.A and Canada | Worldwide excluding U.S.A and Canada |
Covers | Gold 500 | Gold 250 | Gold 100 | Silver | Bronze |
Medical Expense | USD 500,000 | USD 250,000 | USD 100,000 | USD 250,000 | USD 50,000 |
Dental Expense | USD 250 | USD 250 | USD 250 | USD 250 | USD 250 |
IFFCO Tokio Overseas Travel Insurance Policy Exclusions
Iffco Tokio foreign travel insurance plan does not offer compensation for claims arising under the following circumstances:
Pre-existing medical conditions |
Expenses incurred due to mental disorders, suicide attempts, anxiety, depression, HIV/AIDS, or self-inflicted injuries |
Expenses incurred due to drug or alcohol abuse |
Expenses incurred on an event before purchasing the policy |
Medical treatments like Ayurveda, naturopathy, or homeopathy |
Travelling against medical advice |
State of war or nuclear threats in the country one is visiting |
Loss of property that is not reported to the police |
Damage caused to checked-in luggage |
Partial loss of checked-in luggage |
High risk sports activities |
Serving in the armed forces or military in any country; in this case, the company may apply a pro-rata premium during the period of service |
Participating in a crime, civil commotion, or riots |
IFFCO Tokio Overseas Travel Insurance FAQ’s
Q1. Is travel insurance required?
To safeguard yourself against any kind mishap or an emergency in an unknown land it is always advisable to buy a travel insurance plan and take the maximum coverage basis your requirement and duration of your trip.
Q2. Once I receive the documents, is it possible to cancel Iffco Tokio travel insurance policy if I don’t find it suitable?
If you find the policy unsuitable, you have all the liberty to cancel the same and get back your premium amount within the free-look period of 15 days only.
Q3. What if I have a pre-existing disease, will that also be covered under Iffco Tokio overseas travel insurance policy?
No, if you have any pre-existing ailment that will not be covered under this travel insurance plan.
Q4. What travel insurance plan should I buy if I am a frequent traveler?
You can buy IFFCO Tokio multi-trip travel policy if you are a frequent flyer, and benefit from the same as per your need and duration of your trip.
Q5. What if I am hospitalized in a foreign land, can somebody from my family visit me?
Yes, IFFCO Tokio travel insurance plan covers the compassionate visit cost for one person from your family.
Q6. What if my flight gets delayed due to some technical glitch?
IFFCO Tokio overseas travel insurance plan offers compensation if your flight gets delayed for more than 12-hours because of reasons specified in the policy wordings.
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