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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
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  • 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
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  • 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
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IFFCO Tokio Travel Protector

Travelling is very common scenario in todays functioning globe travelling from place to place is occupation as well for people other then just amusement. Therefore this situation generate the requirement of such beneficial policy that entertains you with Hassel free travelling from one place to another with extra added benefits. IFFCO Tokio Travel Protector is one such travel policy that ensembles almost every benchmarks of travelling problems and provide welfares to its customers.

The policy benefits are divided under seven sections with each section having its own coverage and non-coverage range separately.

SECTION – 1 (HEALTH COVER)

S. No. COVERAGE NON-COVERAGE
1

Medical expenses are covered including out patient treatment, cost of broken limbs, radiotherapy, heat therapy, X-Ray, Diagnostic test, walking aids, phototherapy and other prescribed by physician.

Abroad treatment or temporary staying of person

2

Dental treatment includes coverage for acute anaesthetic treatment for natural teeth or tooth according to terms and conditions

Medical expenses of pre-existing medical issues

3

Extra cost of transportation of person or dead body from foreign location to residential country

Treatment of orthopaedic and oncologic diseases

4

Additional expenses of person accompanying the patient if official told by medical experts

Cancer treatments

5

Daily allowance of $ 30 per day is paid I case of hospitalization of more than 48 hours

Cosmetic surgeries expenses

6

Mental or genetic disorders

7

Maternity treatments

SECTION – 2 (BAGGAGE LOSS AND DELAY)

S. No. COVERAGE NON-COVERAGE
1

Baggage loss is covered caused due to airline, coach, operator or airline company mistake

For loss of money or valuables, all kinds of securities and tickets.

2

The compensation in baggage delay is also covered under this policy that involve payment for

  1. Late of more than 12hours from scheduled arrival time
  2. While customer provides written proof for delay
  3. Customer provides receipt of essential products that they purchased

Any kind of property loss

3

Items costing more than $100 without ownership proof

SECTION – 3 (HIJACK ALLOWANCE)

S. No. COVERAGE NON-COVERAGE
1

The company will pay around $ 125 each day for any delay in your trip due to hijack or any hijack exceeding for more than 12 hours

First 12 hours of hijack

2

More than $ 875 in respect to only one insured person

3

If the insured person is considered as principal or accessory in hijack

4

If there is any change in schedules direction of trip route due to any reason

SECTION – 4 (LOSS OF PASSPORT)

S. No. COVERAGE NON-COVERAGE
1

In case of passport loss the company will pay the mentioned reimbursement money to insured person for getting fresh passport or duplicate one.

Loss of passport due to customer, police or public delay

2

Loss due to theft unless it is reported to police within 24 hours

3

Loss due to customer own carelessness identified

4

Loss of passport from private place or vehicle unless under critical conditions

SECTION – 5 (FINANCIAL EMERGENCY ASSISTANCE)

S. No. COVERAGE NON-COVERAGE
1

Policy provides supportive help in case of emergency conditions arising due to theft, robbery, pilferage of travel funds.

If claim reported after 30 days will not be considered in policy

2

Currency fluctuation, errors or shortage of money

3

Loss not reported within 24 hours

4

Loss of travel cheque

SECTION – 6 (PERSONAL LIABILITY)

S. No. COVERAGE NON-COVERAGE
1

If our customer becomes legally liable for the loss of third party health damage, death or loss of property. The policy will pay up to limit as mentioned in conditions of policy.

Any liability occurring due to special promises made by insurer.

2

Claim of personal liabilities towards family, relations and travelling companions

3

Claims due to transmission of disease by insured person

SECTION – 7 (PERSONAL ACCIDENT)

S. No. COVERAGE NON-COVERAGE
1

Death occurring due to serious accident while travelling of insured person within one year from date of accident will get SI benefit mentioned in schedule of policy

Accident due to mental or genetic disorder

2

The Permanent Disability conditions arising due to accident while travelling are paid according to the category of disability occurring within 1year of accident

Loss due to radiation, nuclear hazard, infection or poisoning

3

Any claim arsing due to maternity issues like pregnancy, child birth or infirmity

4

Any unlawful accident