IFFCO Tokio Travel Insurance 

Nothing compares to the thrill of travel, no matter how comfortable your work or how dynamic your social circle is. Changing the boredom of our daily routine with travel helps your bodies and minds relax. Travel, just like every other activity, can be disturbed by unforeseen circumstances such as illness, misplaced documentation, or even suitcase loss en route. All of these and other similar scenarios might lessen the exhilaration while also causing a lot of worries. There is, nevertheless, a way to avoid all of that anxiety and tension while vacationing. You may simply protect yourself against a number of risks and circumstances that may emerge while moving by purchasing the best travel insurance policy. 

IFFCO Tokio, one of India’s major travel insurance companies, offers one of the most common full travel insurance drugs to keep you secure on your trips. An Online Travel Underwriter or the Pravasi Bhartiya Bima Yojna are two types of travel healthcare plans offered by the company. Continue reading to learn more about the benefits of all these measures. 

IFFCO Tokio provides the following types of travel insurance

IFFCO Tokio supports two types of vacation insurance policies, each tailored to meet unique needs. A list of key elements of each plan is provided below. 

Online Travel Insurance Policy Pravasi Bhartiya Bima Yojna (Bhartiya Bima Yojna) is a government- 

  • Purchase a flight ticket on the internet: 

  • That insurance includes you not just when traveling within India, but also when traveling internationally, whether for business or pleasure. 

  • The policy has several sub-plans, such as Gold 500, Gold 250, Gold 100, Silver, and Bronze, each of which provides a different level of insurance coverage based on the amount. 

  • Health Coverage — This coverage covers medical expenditures, dental treatment, transports, and a daily hospitalized allowance. 

  • Theft of a Visa. 

  • Personal Injury (implying any unforeseen or unpredictable accident caused due to external, violent and physical means)

  • Coverage for Financial Emergencies. 

  • Credit for Distressed Hijacking 

  • Personal Responsibility (implying any legally enforceable obligation). 

  • Total Baggage Loss, incorporating Baggage Delay 

  • IFFCO Tokio provides 24-hour worldwide help in the event of an emergency when traveling overseas. 

Pravasi Bhartiya Bima Yojna (Pravasi Bhartiya Bima Yojna)

  • Employees who are going outside of India for work with ECR are required to purchase this insurer (Emigration Check Required). 

  • Personal Accident – This coverage protects you in the event of an accident that causes service – connected cessation or death, as well as the loss of your job (under 12 months of bodily injury)

  • Hospitalization Expenditures – Provides coverage for hospitalization expenses for three types of emigrants: I Emigrants up to Rs 75,000, (ii) Female Emigrants up to Rs 25,000, and (iii) Emigrants’ families up to Rs 50,000. 

  • Nursing expenditures at the hospital (including registration and management fees), room rent, and board are all covered by hospitalization expenses. 

  • The physician, medical provider, anesthesia, medical counselor, or expert will receive payment. 

  • Medicines, oxygen, blood, the operating room, diagnostic costs, anesthetic, and other fees are all included in the cost of surgery. 

  • Transfer / Airport Charges for the Attendant — This portion includes all costs associated with transporting the recipient’s mortal belongings from the site of execution back to India. 

  • Legal Fees – This portion will cover all legal expenses incurred for any circumstances relating to the insured’s employment up to Rs 30,000. 

  • Nationalization Expenses & Occupation Dependencies — This part reimburses the policyholder for the expense of a one-way return flight to India in the event of any of the following: 

  • Sudden and unexpected dismissal of recruitment within three weeks due to the job memorandum of understanding becoming undesirable or a predicament where the insured cannot be blamed; OR Dismissals due to the insured growing increasingly unfit to work to resume/start construction, offered that the same occurs within the first twelve months of policy resumption. 

  • Legal Expenses — For any contingencies relating to the insured’s employment, this provision will pay any lawsuit expenses up to Rs 30,000. 

  • Repatriation Expenses & Employment Contingencies — This part insures the insured for the cost of a one-way plane ticket to India in the event of any of the following: 

  • Tentative cancellation of careers within 3 months due to the job contract becoming unfavorable or a set of circumstances where the insured cannot be blamed; OR Loss of contract due to the beneficiary becoming medically unfit to renew / start construction, presented that this occurs within the first 12 months of policy resumption. 

  • All refunds and perks under this coverage are only valid / obtainable if the insurance is employed by the same company in the same nation and in the same industry as stated in their Format Prescribed and accepted by the insurance provider and integrated into the Policy Schedule. 

Coverage under the IFFCO Tokio Travel Insurance Policy 

The following are covered by the IFFCO Tokio Travel Insurance policy: 

1. Health Insurance – This will cover any unexpected medical expenses, the cost of endodontic care, or the cost of transportation to get medical aid while traveling. Daily Hospital Allowance is also included in the coverage. 

2. The policy covers Total Loss of Baggage – which means that if all of your luggage is lost while you’re on the road, you’ll be covered. It also covers any delays in receiving your luggage that may occur while traveling. 

3. Allowance for Distress 

4. Passport Loss – If you lose your identity card while traveling, the coverage covers the expense of getting a new or duplicate passport produced. 

5. Financial Disaster Assistance Coverage – You never tell what kind of emergency you’ll encounter while on the road. If you want financial assistance while traveling, the coverage will aid you in receiving it. 

6. Individual Responsibility — If a third party or third-party property is damaged during your trip, this policy will cover you for any civil responsibility that may emerge as a result of the occurrence. 

7. Standard Insurance 

Deductions from IFFCO Tokio Travel Insurance: 

  • Whether you’re going within India or beyond, the IFFCO Tokio Travel Insurers provide unrivaled protection and ensure a smooth and uncomplicated vacation. These policies, like all travel insurance products, include several typical exceptions that are not covered by the coverage and will not be considered when a claim is filed. The list consists of the IFFCO Tokio Travel Insurance Policy’s general exclusions:

  • Claims arising from occurrences that occurred before the policy’s coverage began. 

  • Any claims that arise as a result of the insured: 

  • Taking a trip against your doctor’s advice; OR 

  • Being placed on a waiting list for or receiving a certain medical treatment as directed by a physician; OR 

  • Participating in a naval, maritime, or air force action; OR Receiving a terminal diagnosis for a medical condition. 

  • Claims for diseases or accidents caused by the insured while under the intoxicated. 

  • Anxiety, stress, mental problems, or depression claims. 

  • Claims deriving from venereal illnesses and/or any loss resulting from sickness, loss of income, injury, obligation, or death caused by HIV (Human Immunodeficiency Virus) or AIDS (Acquired Immunodeficiency Syndrome) or any mutant derivative thereof. 

  • Claims deriving from wars or warlike incidents, foreign enemy action, engagement in insurrection / riots, revolt, conflicts, insurgency, usurped authority / military nationalization / expropriation / demand / demolition of / harm to any governmental real homes 

Reasons to Invest in Travel Insurance: 

  • Life is already unpredictable, and the dangers are amplified when you’re in a new country with people you don’t know. During such journeys, anything can happen, and there is no promise that your trip will go exactly as planned. When you’re out and about, you run the risk of being mugged or getting into an accident. Because of the unpredictable nature among these things, your journey may take unexpected turns at the most uncomfortable of times. Having financial protection in the form of airfare can help you in this situation. 

  • Travel insurance is designed to get the most out of your trip by ensuring that you’re prepared for any unexpected events that arise. Here are some of the perks that come with such a plan to help clear up any questions you might have about travel insurance: – 1. Medical assistance in the event of an emergency 

  • Being sick is one thing, but being in the middle of a medical emergency on a plane or in another country is quite another. Medical care in a foreign nation without the subsidies available to natives might be too expensive. Medical evacuations from the incident to the nearest medical center will also add to the costs. 

  • Luggage that has been misplaced or stolen is replaced. 

  • When traveling, it is fairly uncommon for baggage or other valuables to be stolen or misplaced. Whether it’s a broken phone caused by an airline baggage handler’s carelessness or the loss of your credit/debit card/passport while traveling, the correct travel insurance will cover all of your mishapsComprehensive coverage for the whole family 

  • When traveling with your family, you will spend more money than if you were traveling alone. While you may be able to manage certain expenses on your single trip, it is a guarantee that you will require assistance if you are traveling with your family. The good news is that family travel insurance, which covers the complete family, except two adults, is accessible. A protection fortravel insurance policy might also help you if you are judged to be at fault for someone else’s accident or property damage while on vacation. Instead of being the victim of an injury, you may be at fault, or you may find yourself in a scenario where your child has harmed some property, for which you will be responsible to the owner. However, with car insurance, such unforeseeable events are also covered. 

  • Keep your home safe while you’re away. 

  • Certain travel insurance policies also cover the security of your home while you are away from home. The plan usually includes coverage for expenses incurred as a result of a break-in or a fire. 

  • Aside from various value-added services, specific policies may let your family to choose from vehicle assistance, medical concierge, or lifestyle services. 

  • Stress-free travels and stays 

  • With the right travel insurance, you may enjoy a stress-free trip while recovering your losses in the event of unforeseen events. It will also assist in compensating for extended stays in the tourist spot due to a medical emergency until you are able to travel again. 

  • Travel insurance is not just for those who want to make the most of their vacations, but also for those who only travel once in a while. You may now research and buy the finest travel insurance policy for yourself because various policies are available on the internet 

IFFCO-Tokio General Insurance’s Claim Procedure

The process for filing a claim on a plan that is offered with IFFCO Tokio is straightforward and painless. The organization has established a customer-friendly claim settlement process that consists of only a few basic steps. Customers must provide a properly completed claim form, as well as all original papers and bills for healthcare fees, travel, and conveyance. 


Q1. What are the benefits of buying IFFCO Tokio Travel Insurance online? 

Ans – When you’re on the road, you never know exactly what type of issues you’ll encounter. This is why having travel insurance coverage that covers you in the event that you lose your identity, bags, health insurance, or other valuables is critical. 

Q2. How will I obtain my policy after I’ve submitted my application? 

Ans – You will receive a printed copy of the policy as well as a soft copy through email to your email address. Online-purchased policies will be emailed directly to the policyholder. 

Q3. What happens if all of your handbags are lost? 

Ans – In the event of a Total Loss of Checked Baggage, IFFCO Tokio will reimburse the insured a maximum of $1,000 to cover immediate and inevitable needs such as garments. 

Q4. How will I obtain my policy after I’ve submitted my application? 

Ans – You will receive a printed copy of the policy as well as a soft copy through email to your email address. Online-purchased policies will be emailed directly to the policyholder. 

Leave a Comment

Your email address will not be published. Required fields are marked *