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Most Popular Policies of IFFCO Tokio

  • IFFCO Tokio Car Insurance Plan
    This car insurance plan offers comprehensive protection to the vehicles from accidental damage.
    Key features of Car Insurance policy
    • On road protection coverage is available
    • Availability of Tokio’s value auto coverage
    • Free inspection available at doorstep
    • 12 additional benefit available
    Buy now
  • IFFCO Tokio Swasthya Kavach Family Health Plan
    This family health cover offers protection against treatment expenses of family members.
    Key features of Swasthya Kavach Family Health Plan
    • Claims are settled by in-house team
    • Co-pay not applicable and full claim is paid without deduction
    • Special discount for those who avail either IFFCO Tokio group policy or IFFCO Tokio Motor Two Wheeler policy
    • Coverage of 10 critical illnesses available in critical illness extension cover
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  • IFFCO Tokio Critical Illness Policy
    The policy offers lump sum benefit in if policyholders are diagnosed with any of the pre-specified critical ailments.
    Key features of Critical Illness Policy
    • Coverage available for 6 critical illnesses
    • Coverage available for more than 1 policyholder and his legal heirs
    • Reimbursement of hospitalization expenses on diagnosis of critical illnesses
    • Coverage available for cerebral stroke, cancer, renal failure and organ transplant expenses
    Buy now
  • IFFCO Tokio Individual Medishield Policy
    This individual health insurance policy covers hospitalization expenses of policyholders.
    Key features of Individual Medishield Policy
    • Availability of optional Critical Illness Extension cover
    • Coverage available for Ayurvedic and Homeopathic treatments
    • co-pay not applicable
    • Domiciliary hospitalization expenses are covered
    Buy now

IFFCO Tokio Individual Personal Accident

Accident is the only word that can never bring happiness n your life. But for some extent to overcome the hazards of this word in your life, the IFFCO Tokio Individual Personal Accident can help its customer. This policy provides special health, treatment, hospitalization and other coverage that can help you in controlling your financial expanses at time of these accidents in life. Under the policy all the benefits that a person may desire in helpless condition of accident are included according to the requirement of customers. The SI is payable in case of death of the insured person under the terms of policy.

Specific features

  • Income tax benefit is included in policy as per section 80D of income tax
  • Policy payment can also be payee to legal personal representative in critical condition of insurer
  • Additional coverage as well as extension benefits are included in policy
  • Individual policy specific only for one person

Coverage

COVERAGE

DESCRIPTION

Death

100% of SI

Loss of sight, two limbs and

One limb along with one eye

100% of SI

Loss of one eye

50% of SI

Loss of one limb

50% of SI

Total, permanent or absolute disability after accident

100% of SI

Loss of speech

50% of SI

Loss of Toes-all

20% of SI

Loss of hearing capacity of both ears

50% of SI

Loss of hearing capacity of one ear

15% of SI

Hand loss

a) Four fingers and thumb loss

b) Four fingers loss

c) Loss of thumb

d) Index finger loss

e) Middle finger loss

f) Ring finger loss

g) Little finger loss

h) Metacarpals

40% of SI

35% of SI

Both phalanges – 25% of SI

One phalanx- 10% of SI

Three phalanges- 10% of SI

Two phalanges- 8% of SI

One phalanges- 4 % of SI

Three phalanges – 6% of SI

Two phalanges- 8% of SI

One phalanges- 2% of SI

Three phalanges – 5% of SI

Two phalanges- 4% of SI

One phalanges- 2% of SI

Three phalanges – 4% of SI

Two phalanges- 3% of SI

One phalanges- 2% of SI

First or second- 3% of SI

Third, fourth or fifth- 2% of SI

Partial Permanent Disability

As per recommendation of Doctor

Total Temporary Disability

1% of C.S.I or Rs. 25,000/- (Benefit at the rate per week)

Non-coverage

NON-COVERAGE

DESCRIPTION

Compensation other then coverage description described above

Not Covered

Self- intended accident or suicide

Not Covered

Intoxicating liquor or drug addiction

Not Covered

Pregnancy or childbirth

Not Covered

Venereal diseases

Not Covered

AIDs or other STDs

Not Covered

Unlawful accident

Not Covered

Additional coverage

ADDITIONAL COVERAGE

DESCRIPTION

Transportation of dead body

2% of capital SI or 2,500/- whichever is less

Damage to clothes

Rs. 1000 or actual cost whatever is low

Ambulance Charges

Rs. 1000 or actual cost whatever is low

Educational Fund

For one child up to 23years of age is 10% of basic SI and maximum Rs. 5,000/-

For more than one children up to 23years of age is 10% of basic SI and maximum Rs. 10,000/-

Employment Loss

Rs. 15000/- or 1% of CSI

Cumulative Bonus

5% of basic SI up to time of policy renewal and maximum up to 50%

Extensions

  • Medical Benefits extensions
  • Indian Personnel working abroad extensions
  • Cost of travel extensions
  • Cost of supporting items extensions