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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 Pravasi Bhartiya Bima Yojna

In this era of globalization man has moved from earth to moon but still the risk are same for people. Similar is the scenario of people employed abroad for purpose of work and earning for fulfilment. The risk factor of living outside country is still same although there is betterment in means of transportation but there is also increase in risk factor of human life. Indian being outside their home country may face various types of perils and risk, to overcome these risk there are various insurance policies that provide you financial protection at times of calamity. One such remarkable policy is

IFFCO Tokio Pravasi Bhartiya Bima Yojna

 that is a insurance policy that provide risk protection to Indian settled in foreign country for the purpose of earning or business.

Eligibility and validity


People who gain policy before leaving country and passport is authorized as Emigration Check Required.


Policy is valid only if person commences the journey within 14 days of the first day of insurance.

Specific features

  • The policy cover reimbursement for personal accident, transportation and airfare for attendant, hospitalization expense, maternity expense, employment emergencies and repatriation expenses
  • Policy is payable to you for legal expenses in case of litigation relating to employment in foreign country
  • The limitation of liability under this policy is Sum Insured Limit as mentioned for each section of coverage

Coverage and Non-coverage




Section -1

(Personal Accident)

Policy will provide benefit as mentioned in policy schedule for death or Permanent Disability of insured person that has lead to loss of employment.

The geographical area isn’t restricted in this policy, incidence occurring anywhere in work will be payable

Any death or PPD occurring after 12months of accident

Activities like hunting, horse-riding, mountaineering, skiing or ice hockey accidents

Section -2

(Transportation and attendant airfare)

Policy will provide payment for the cost of transporting mortal and one attendant to accompany the mortal to back home India

Any other legal expense involved other then transportation

Reimbursement without legal proof like original tickets, receipts of transportation

Section -3

(Hospitalization and Maternity expenses)

Policy covers the hospitalization expenses of insured person in case of injury or illness and hospitalization on recommendation of medical practitioner.

The benefit of maternity expenses for women are included in policy that will be payable after 9months of pregnancy time period.

These hospitalization expenses will involve room rent, medical practitioner fees, anaesthetist fees, X-ray, oxygen, blood, medicines, pacemaker, artificial limbs, chemotherapy, vitamins- tonics, radiotherapy, organ transplantation and operation theatre expenses.

Policy also provides a special benefit of covering the hospitalization cost of insured person’s family member in case of injury or serious illness leading to hospitalization.

Any pre-existing disease

Hospitalization occurring within first 30 days of policy commencement

Diseases like Cataract, hernia, STDs, AIDs, piles, choletithiasis, cholecystectomy and Congenital internal are not covered.

Maternity expense of more than two children

Self intended injury or harm

Section -4

(Employment Contingencies and Repatriation Expenses)

The policy will pay you one way economy class airfare if there is any hindrance or termination in your job at foreign country

In case insured person falls seriously sick or termination occurred due to sickness they policy will be payable