Travelling has become an integral part of everybodys daily life. Whatever the reason could be, either for personal leisure or professional requirement, we all travel day in day out. Hence this brings the higher probability of any misfortune while travelling. In such a scenario not pleasure of travelling diminishes but trepidation of being alone in any unknown place is a crumpling feeling as well. It is for situations like this the Travel Insurance Plans cocoons individual from any ill fate spoiling their traveling pleasure. Understand the Need Travel Insurance Travelinsurance is basically a protection plan that providescoveragefor health expenses overseas as well as trip related insurance coverage. Not only this , It also covers insurance for trip delays, trip interruptions, trip cancellations and related problems through various plans offered by many a insurer in Indian Today. Additionally cover for travel-related expenses such expenses incurred for medical and health emergencies that may arise during trip is provided under Travel Insurance plans. Some plans also provide services such as travel-related advice, evacuation to your home or hospital in case of medical emergency, emergency cash or help in the event of the loss ortheftof your money, valuables or travel documents. IFFCO Tokio Travel Insurance Plans IFFCO Tokio brings its expertise in insurance plan into picture by offering two exclusive plans designed to cater the overall requirement of travelers. The plan is offered in two variant which are Travel Insurance Plan Pravasi Bhartiya Bima Yojna. Travel Insurance Plan Features of the IFFCO Tokio Travel Insurance Plan are A comprehensive insurance plan covering all possible mishaps that a traveler may face in due course of time of travelling. Affordable premium without adding much burden on pocket and keeps the tranquility of holidaying. Online options to choose the most suited plan, wherein customer has the freedom to choose the premium he wants to pay. A host of online facilities to avoid any wastage of time before travelling. Instant Digitally signed Plan document availed through IFFCO Tokio offices, POS centers, or for online purchases. Hassle free processing and simple documentation. 24 Hour Worldwide Assistance in partnership with Paramount Healthcare Management Pvt.Ltd to any Well trained in-house Surveyors to ensure that every claim is being attended within the least expected time frame Pan India help desk for 24×7 assistance relating to claims in india. A multitude of emergency assistance services can be availed through IFFCO Tokio On Road Protector Coverage at a nominal extra premium, along with this Plan. Unique bouquet of additional benefits available through IFFCO Tokio `Value Auto Coverage at a small extra premium, along with this Plan Coverage under the plan Complete protection from any appalling event, either domestic or overseas travelling. Comprehensive coverage including personal accident, medical expenses, repatriation, loss/ delay of checked baggage, passport loss and third party liability. Health Cover for protection of any financial expense while travelling Medical Expenses in any unpredicted medical exigency Dental treatment for any injury cases while travelling Transportation Hospital Daily Allowance Total Lossof Baggage Including Delay of Baggage. Hijack Distress Allowance Loss of Passport Financial Emergency Assistance Cover. PersonalLiability PersonalAccident The plan is offered in 5 different benefit options Gold 500 plan Gold 250 plan Gold 100 plan Silver plan Bronze plan. The benefit in each plan is given as below in the table. Exclusion under the plan For any claim prior to commencement of plan cover or due an any consequential event in past prior to the commencement of plan. For any health claim which has occurred due to denunciation of physician advice. For cases wherein the customer is already under treatment to a physician at the time of plan issuance. Cases where insured has received a terminal prognosis for a medical condition. Cases where the insured is taking part in any kind of Naval, Military or Air Force operation. For any claim arising out of illnesses or accidents that theInsuredPersonhas caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohols). For any claims arising out of mental disorder, anxiety, stress of depression, venereal disease or any loss arising directly or indirectly from any injury, illness, death, loss or expense or any otherliability Any medical expense towards the attributable to HIV (Human Imnuno Deficiency Virus) and/ or any HIV related illness including AIDS (Acquired Imuno Deficiency Syndrome) and/ or any mutant derivative or variations thereof howsoever caused. For illness and accidents that are results of wars and warlike occurrences or invasions, acts of foreign enemies, hostilities, active participation in riots, civil war, rebellion, insurrection, military or usurped power or confiscation or nationalization or requisition of or destruction of or damage to the property by or under the order of any government or local authority. For any claim arising from damage to any property whatsoever or any loss or expenses whatsoever resulting or arising from or anyconsequential lossdirectly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear waste from the combustion fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. For any claim arising out of sportingriskin so far as they involve the training or participation in competitions of professional or semi professional sportsmen or women Overseas Assistance While the insured is travelling overseas and is wedged in any emergency situation, IFFCO Tokio in partnership with Paramount Healthcare Management Pvt.Ltd, provides every possible assistance. All the customer needs to do is dial the international access code and the UIFN number which is + 800 8000 8400.The details of country wise access code are given on policy documents and the usage handbook. Important terms & Conditions of Travel Insurance Plan Medical Tests are not mandatory under the travel insurance plans for insured up to the age of 70 years. However, proposers who have completed the age 70 years will be required to submit medical reports. Henceforth for the Proposer of age group of 60 to 69 years, the medical report seeking conformation of Diabetes and Hypertension is no longer compulsory Theinsurancecan be purchased from anywhere in the globe as long as the traveler is still in India. If there is a legal action with the claimant or his/ her heirs or assignees over a personal liability claim, IFFCO Tokio0 reserves the right to conduct the legal action at Claimant expenses in the name of the insured person and the insured person will allow us to do so. In an event where the insured personal liability claim is falling within the cover provided and if there are criminal proceedings relating to this event IFFCO Tokio shall on request basis appoint a defense counsel for insured on the cost bearer by company.. In the event of permanent disablement, a disablement payment cannot be claimed prior to completion of the healing process or within one year of occurrence of the accident, whichever is earlier Insured person shall take all reasonable precautions to prevent injury, illness, disease and damage in order to minimize claims. Failure to do so will prejudice the insured persons claim under this Plan. The Plan shall be legitimate only if the insured person commences the journey within 14 days of the first day of insurance. The Plan shall be void and all premium paid will be forfeited in the event of a misrepresentation or concealment of any material information. Any Change in information has to be duly informed by the insured /claimant as soon as its happens. In cases of any false or non-disclosure of any material fact, the Plan shall be void and all premium paid shall be forfeited. Free lookup period will be allowed for at least 15 (fifteen) days from the date of receipt of the plan to review the terms and conditions of the plan and to return the same if not acceptable stating the reasons therein for doing so. Pravasi Bhartiya Bima Yojna This plan is based on the directives issued by Ministry of External Affairs, Government of India wherein all the Indian emigrants going abroad for employment purposes with ECR (Emigration Check Required)endorsementon their passport have to compulsorily enroll for this insurance plan . It offers special fortification to such Nonresident Indian who are residing abroad for employment purpose . Being away from home country and working in different geographic conditions, make them vurnable to various kinds of risks and health hazard . The key features of this plan are Superior sum insured as compared to the traditional plans of Rs.20 lacs in Libya and 10 lacs in other parts of the world. Coverage for any body injury leading to death or permanent total disablement resulting into loss of employment within 12 months of bodily injury. Coverage towards Employment Contingencies andRepatriation Expenses Reimbursement of the actual cost of transporting the mortal remains of the deceased back home to India Reimbursement of the additional cost of economy class return airfare for one attendant to accompany the mortal remains from the place of death abroad to back home in India. Coverage of the plan PersonalAccident covers for Rs. 10, 00,000 againstaccidental bodily injury leading to death or permanent total disablement resulting into loss of employment within 12 months of bodily injury. Expense towards Transportation of remains of deceased from place of death abroad to back home in India & Airfare for one Attendant to accompany the mortal remains from place of death to back home in India. Hospitalization expenses up to Rs.75,000 of Emigrant, maternity expense up to Rs.25,000 of female Emigrant and hospitalization expense up to Rs.50,000 of family of Emigrant comprising spouse up to 60 years and two children up to 21 years of age in the event of death or permanentdisabilityof Emigrant. The hospitalization expense shall include Room rent, board, nursing expenses in Hospital, including Registration and Service charges. Surgeon, Anaesthetist, Medical Practitioner, Consultant and Specialist fees. Cost of Anaesthesia, Blood, Oxygen, Operation Theater, Medicines, Diagnostic Expenses etc. certified by Medical Practitioner. One way return airfare to India in cases of sudden loss of employment due to refusal of job by the employer upon the arrival at workplace/ destination abroad, Any premature termination from job within first 3 months for no fault of insured and/or making job contract/agreement not in the insureds favor. Further, this Section also covers termination of job within first 12 months of inception of cover, provided that such termination arises out of your becoming medically unfit to commence, continue or resume working. litigation expenses up to Rs. 30,000 relating to contingencies involved with employment, provided the grounds of such litigation are justified by concerned Ministry in the country of employment For any claim prior to commencement of plan cover or due an any consequential event in past prior to the commencement of plan. For any health claim which has occurred due to denunciation of physician advice. For cases wherein the customer is already under treatment to a physician at the time of plan issuance. Cases where insured has received a terminal prognosis for a medical condition. Cases where the insured is taking part in any kind of Naval, Military or Air Force operation. Important terms and conditions of Pravasi Bhartiya Bima Yojna plan All the expenses relating to Employment Contingencies and Legal Expenses must be certified by Indian Mission/Post abroad. Thebodily injuryresulting in death, permanent total disablement, disease/ sickness/maternity resulting into hospitalization must take place within Period ofInsuranceas well as during employment period abroad. The benefit/reimbursementpayable under thisPlanis subject toSum Insured/ Limit mentioned in the respective Section/Subsection of the Plan. All the bills, voucher, tickets, receipts must be filed withclaim. All claims will be settled in Indian currency. All the reimbursements and benefits under this Plan are available only if you work for the same employer, same country and in the same profession which has been declared by you in theProposal Formand accepted by us as incorporated in the PlanSchedule. The insurance cover is granted for a two year period, for which the normalpremiumis Rs. 500 plus Service Tax. The premium for 3 years cover shall be Rs 750 plus Service Tax.
