IFFCO Tokio General Insurance, incorporated on 4th December 2000, is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group.
IFFCO Tokio's Personal Accident Insurance provides full protection against an accidental incident that might result in death or bodily harm of the insured person. If the accident leads to the unfortunate death or disability, this plan will provide total financial security to the Insured's loved ones.
For children : 91 days
Adults :
Minimum : 18 years
Maximum : 70 years
Maximum Members : 6
Maximum Adults : 4
Maximum Children : 2
Based on Underwriting & product guideline.
Family discount
1 year
N/A
For children : 91 days
Adults :
Minimum : 18 years
Maximum : 70 years
Maximum Members : 4
Maximum Adults : 2
Maximum Children : 2
Based on Underwriting & product guideline.
Family discount
1 year
N/A
In this policy, for every claim free year, no-claim bonus equal to 5% of basic sum insured up to a maximum of 50 % is available.
This plan provides ambulance cover of Rs.1000 (or actual, whichever is less).
In an adverse incident of death or loss of limbs/eyes or permanent total disablement, the study expense of dependent children is covered under the policy up to defined limits.
This cover offers monetary compensation up to a set limit in case of loss of employment of the Insured due to an accident leading to loss of limbs/eyes or permanent total disablement.
In the case where your clothes are damaged due to an accident, you can claim a compensation up to Rs.1000 or actual expenses towards buying the new ones, whichever is less.
Under this benefit, individuals can claim up to 2% of Capital Sum Insured or Rs.2,500, whichever is lower towards transportation of the mortal remains home.
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
At an additional payment, you can opt for the below add-on covers:
For each valid claim, you will receive a daily cash of Rs.1,000 per day up to a maximum of Rs.30,000.
On extra premium, the plan can be customized to cover medical costs necessarily incurred by the insured in connection with the injury, provided the claim otherwise is valid under the policy.
Under this benefit, an Indian working abroad will be provided personal accident cover.
This benefit covers the cost of traveling for the insured person, or his nominee or relative. The accident outside his/ her residence is covered up to 1% of sum insured (maximum up to Rs.5,000). The travel expense of family member or the nominee of the insured, meeting the insured at the point of accident is covered up to 2% of sum insured for a maximum of Rs.10,000.
This benefit entitles you for a reimbursement for expenses on supporting things like stretchers, tricycles, etc. equal to 2% of sum insured up to a maximum of Rs.10,000. This is related to a valid claim.
Please refer the policy wordings for the detail list of coverage offered under each section.
IFFCO Tokio's Personal Accident policy does not cover any person -
The Plan will not cover any liabilities towards the following conditions-
Please refer the policy document for the detailed list of all the exclusions.
In this world of unbound uncertainties, having enough protection towards any untoward incident is not just a privilege but a necessary arrangement. IFFCO Tokio's Personal Accident Insurance not just offers compensation in case of death and disability but also provides a sturdy financial cushion towards your kids' education and any exigency in the event of loss of employment. Hence, if you want to secure the financial future of your loved ones, even if you are no longer around or unable to earn a living, you must consider the plan.
**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.
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