IFFCO Tokio Travel Insurance
IFFCO Tokio Travel Insurance
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IFFCO Tokio Travel Insurance Online

Incorporated in 2000, IFFCO-Tokio General Insurance Company Limited is a joint venture between the Indian Farmers Fertiliser Co-operative Limited (IFFCO), a leading fertilizer manufacturer, and Tokio Marine Group, Japan’s leading insurance company. It has a presence across the top cities in India and has a network of more than 20,000 agents. As one of the leading general insurance companies in India, it provides products and plans across all facets of the general insurance industry like fire, marine, health, motor, two-wheeler, travel, etc. As one of the first companies in India to underwrite mega policies, it endeavors to provide a one-stop-shop service for people’s insurance needs.

When we talk about insurance needs, travel insurance forms an important aspect of an individual’s insurance portfolio. People who frequently travel for their personal and business needs require financial cover for any unexpected events that may occur during their trips such as loss of baggage, passports, medical expenses, etc. IFFCO Tokio’s travel insurance is designed to provide such a cover and keeps an individual free from financial risks that (s)he may encounter.

What are the types of IFFCO-Tokio Travel Insurance

IFFCO-Tokio provides two types of travel insurance: International Travel Insurance, and Online Pravasi Bharatiya Bima Yojana. Let’s find out more about them:

International Travel Insurance

The International travel insurance plan covers individuals who are traveling abroad alone or with family and friends for personal or business vacations.

Benefits:

  • The policy provides a medical cover (up to $5,00,000), dental treatment cover (up to $250), personal accident cover (up to $25,000), and personal liability cover (up to $1,00,000).
  • In case the policyholder dies while traveling abroad, the policy will pay for the transportation expenses to bring back the mortal remains of the person to India or cremation/burial ground.
  • Hijack distress allowance (up to $700) is also provided under the policy.

Online Pravasi Bharatiya Bima Yojana

Online Pravasi Bharatiya Bima Yojana provides personal accident coverage, medical expenses coverage, and other related covers for Indians traveling to any foreign country.

Benefits:

  • If the policyholder is a victim of permanent disability/death due to an accident in a foreign country, the policy will offer coverage of up to Rs.10 lakhs.
  • The policy takes care of hospitalisation expenses up to Rs.1 lakh.
  • Women emigrants can avail of maternity benefits up to Rs.50,000.

How to buy an IFFCO-Tokio travel insurance policy?

Purchasing an insurance cover online is one of the faster ways to get a travel insurance cover. IFFCO-Tokio has designed a user-friendly website that provides an easy way to ensure that you purchase its policies in the most seamless and hassle-free manner. The following process will guide you in buying it online.

  • On the website of the company, click on the drop-down list of products on the left side of the page and select ‘Travel Insurance’.
  • Now on the travel insurance web page, you need to enter your name and mobile number at the beginning of the webpage and click ‘Submit’. Alternatively, if you want to select a specific policy like the international travel policy or the Pravasi policy, you can scroll down the page and click on ‘Buy Online’ under those policies.
  • Now, you will be redirected to a page where you will be requested to enter your travel details. Once done, click on ‘Get Plans’.
  • After selecting the plan, you will be asked to enter additional personal details.
  • Once you make the payment using the available modes, the policy will be generated and will be emailed to you and a hard copy will be sent to your registered residence.

Claims procedure of IFFCO Tokio Travel Insurance

IFFCO-Tokio has instituted a 24-hour claims procedure that helps individuals to get faster settlement and compensation for losses. If you encounter any problem abroad, you can either file a cashless claim, reimbursement claim or get assistance from a third-party. To assist with any problems while traveling abroad, IFFCO-Tokio has partnered with Paramount Healthcare Management Pvt.Ltd. to assist you in your emergency claims. The following process will help you:

Once you encounter any problem, you need to give intimation to the company through phone, email, or in writing, and submit the duly completed claim form. In the claim form, you need to select the relevant section from the following:

  • Health Cover
  • Hijack distress allowance
  • Loss of passport
  • Baggage
  • Financial Emergency Assistance
  • Personal Accident
  • Personal Liability

Based on your selection, you will need to submit the following documents:

  • Doctor’s certificate
  • Relevant hospital papers
  • Police Report
  • Property irregularity report (in case of loss of baggage)
  • Baggage receipts (in case of loss of baggage)
  • The judgment of the court (in case of personal liability report)
  • Others requested by the company/third-party

Once all the relevant documents are submitted, the company will undergo thorough scrutiny to assess the claim, the documents, and will come to a decision. The decision will be communicated to the insured accordingly.

Contact Details of The Third-Party:

Elite Auto House, 1st Floor, 54-A, M.Vasanji Road, Chakala, Andheri (E), Mumbai- 400093

Tel: 00 91 22 40004216 / 40004219

Toll-Free: 1 866 978 5205 (within the USA)

Fax: 00 91 22 67021259 / 260

E-Mail: travelhealth@phmglobal.com

IFFCO Tokio Travel Insurance : FAQ’s

1. Do all IFFCO-Tokio travel insurance plans provide dental coverage?

There are various plans available, and out of it, only Gold 500 Benefit Option, Gold 100 Benefit Option, Gold 250 Benefit Option, Silver Benefit Plan, and the Bronze Benefit Plan by IFFCO Tokio get a dental coverage amount of $250.

2. What happens in the case of overall loss of Checked baggage?What is the compensation amount for passport loss?

A compensation of $200 is provided for passport loss.

3. What are the exclusions under the IFFCO-Tokio travel insurance policy?

Following are the standard exclusions under the policy:

  • Losses that occur before the start of the policy.
  • Travelling when the doctor has advised against it.
  • Travelling as a part of naval, military, or air force operation.
  • Intentional harm.
  • Losses while traveling for high-risk adventure sports.
  • Travelling for medical treatment.

4. How is the premium of the IFFCO-Tokio Travel Insurance calculated?

The premium for the plans is calculated based on the number of people traveling, the age of the travelers, the duration of the trip, the destination, and the type of travel plan chosen.

5. Is there a free-look period for my IFFCO-Tokio Travel Insurance policy?

Yes, there is a 15-day free-look period during which the plan can be canceled, and any premium paid will be returned.

Last updated on 19-11-2020