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IFFCO Tokio Personal Accident Plan

Star Health And Allied Insurance

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.

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Highlights of IFFCO Tokio Swasthya Kavach Plan

  • Abvailable for persons between the ages of 5 to 70 years
  • Provides coverage against death
  • Covers against disability - Total & Partial
  • Offers several other worthy advantages like employment benefit, educational benefit, etc.

Scope of cover

Indivdual Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : 70 years

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 2

Sum Insured

Based on Underwriting & product guideline.


discount

Family discount


Policy Periods Available

1 year


Pre-Policy Medical Check-up

N/A


Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : 70 years

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : 2

Sum Insured

Based on Underwriting & product guideline.


discount

Family discount


Policy Periods Available

1 year


Pre-Policy Medical Check-up

N/A


Important Features

NO-CLAIM BENEFITS

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.

Good to Have Benefits

Emergency Ambulance

This plan provides ambulance cover of Rs.1000 (or actual, whichever is less).

Value Adds

EDUCATION BENEFIT

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.

EMPLOYMENT BENEFIT

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.

DAMAGE TO CLOTHES

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.

EXPENSE FOR CARRIAGE OF DEAD BODY

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.

FREE LOOK PERIOD

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.

Add-on Covers


At an additional payment, you can opt for the below add-on covers:

DAILY CASH/ HOSPITAL CONFINEMENT ALLOWANCE

For each valid claim, you will receive a daily cash of Rs.1,000 per day up to a maximum of Rs.30,000.

MEDICAL BENEFIT EXTENSION

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.

COVERAGE FOR INDIVIDUAL WORKING ABROAD

Under this benefit, an Indian working abroad will be provided personal accident cover.

COST OF TRAVEL

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.

COST OF SUPPORTING ITEMS

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.

Terms & Conditions

ELIGIBILITY RESTRICTIONS

IFFCO Tokio's Personal Accident policy does not cover any person -

  • Involved in any pursuit that is hazardous like aviation, ballooning, etc.
  • Who is a member of the armed forces

Permanent Exclusions

The Plan will not cover any liabilities towards the following conditions-

  • War or terrorism related injuries.
  • Self- injury or suicide.
  • Pre-existing injury or disability.
  • Damage due to adventurous activities.
  • Hospitalization for treatment of illness or disease.

Please refer the policy document for the detailed list of all the exclusions.

Review of IFFCO Tokio Personal Accident Plan

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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