Travel Medical FAQs

The premium of your plan is decided based on several factors. Some of these factors include the age of the individuals to be insured under the plan, the travel destination, the trip duration, etc. Also, we offer 5 different plan options – your premium will also depend on which plan you choose.

Our policy cover will begin from the day on which you board the mode of transportation by which you leave the country. And the policy cover will end on the actual date when you return to the country.

With our international travel insurance, you do not have to worry if your trip is cut short! You can cancel your policy and premium will be refunded if the difference between the date of arrival of insured and the end date of the policy is 15 days or more. Cancellation charges will apply. However, note that no cancellation will be allowed if a claim is filed on the policy. 

The hard copy of your policy will be sent to you by mail and could take up to 7 days to reach you. However, we will also send you a soft copy of your international travel insurance policy. This will reach your inbox immediately after you make the payment for the policy. You can then take a printout and carry it with you. This will serve as a legally valid document and will suffice in the event of a claim.

No worries. There is a 15 days free-look period for our policies. So if you find the policy unsuitable, you can cancel the policy within this free-look period and get back the premium you have paid.

IFFCO Tokio travel insurance covers the cost of travel of your minor child back to your home location, in case you’re hospitalized and traveling alone with your child/children.

You can fly business class and the travel insurance will cover the cost of up-gradation when returning in case you are hospitalized for over 5days consecutively due to an injury while on the trip.

No worries. Your mom can travel from your home to your hospital and IFFCO Tokio’s travel insurance will compensate for the expenses under the 2-way Compassionate visit cover for one immediate family member to your current location.

We understand the agony of being hospitalized in a foreign land. The travel insurance will cover communication costs under the daily hospitalization allowance, which is a specific amount per day of stay at the hospital. This also covers other miscellaneous costs such as attendant’s charges, transportation, and communication incurred which are otherwise not mentioned under any specific clause in the policy.

This is covered under Personal Liability. The overseas travel insurance provides protection against legal liabilities for accidental physical injury to a third party or damage to the property of a third party by the insured.

You need to get a new/duplicate passport issued by the relevant authorities. Expenses for the issue of a new or duplicate passport are covered under the policy.

This is covered under Loss of Checked-In Baggage. The travel insurance compensates for expenses for your checked-in baggage that you lost while in custody of the Common Carrier or there is a delay in receiving of Checked-In Baggage beyond twelve hours consecutively.

This is covered under Trip Delay which covers expenses incurred on account of delay in departure of your flight beyond 12 hours consecutively due to reasons/issues specified.

This is covered under Trip Cancellation & Interruption. The travel insurance compensates for the financial loss incurred on account of cancellation of your trip due to any natural calamities, disaster, etc. or manmade situations that are not under anyone’s control.

The Dental Expenses cover of the policy will compensate for such losses on account of any injury while on your trip.

Personal Accident: The insurance covers accidental death or permanent total disability when you are traveling abroad. If there is accidental death during your international travel, your nominee will get a lump sum payment of sum insured.

This is covered under Medical Evacuation: In events where you need to be transferred to a place where you can get a medical facility, the insurance policy covers the costs of such emergency medical evacuation.

The Medical Cover of your travel insurance covers the expenses incurred for your hospitalization or treatment if you are diagnosed with an illness during your trip. If you still require further treatment upon your return, expenses for the same will be covered for up to a period of 30 days or up to policy end date, whichever is earlier.

Travel insurance with a minimum insured sum of USD 50,000 will be good enough.

No, sub-limits are not applicable to Schengen countries.

Pre-approval is required for cashless claims. For this, you should get in touch with our TPA who will organize for cashless claims for the treatment.

For pre-approval of hospitalization claim, you should get in touch with our TPA at the following contact details:

• Paramount Management Healthcare Pvt. Ltd., Elite Auto House, 1st Floor, Travel Health Dept. Chakala, Andheri (E), 54-A, M.Vasanji Road, Mumbai- 400093.

Tel: 00 91 22 40004216 / 40004219.

Fax: 00 91 22 67021259 / 260.

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

E-Mail: travelhealth@phmglobal.com

• Europe Assistance India Pvt. Ltd., Star Hub Building No. 2, 7th Floor, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai- 400059.

Tel: +91-22-67872021.

US Toll-Free: +1 8334288421.

Email ID: iffcotokiotravel@europ-assistance.in

You may also call a devoted Helpline number for IFFCO-Tokio General Insurance - 0091 22 67515551.

No. Since the product requirements are different for Schengen countries from Non-Schengen countries, you need to buy 2 separate policies; one for the Schengen countries and another for the Non-Schengen countries (Excluding the US and Canada plan).

The Schengen visa requires a no sub-limit plan, so a Non-Schengen plan (with sub-limits) shall not be valid in Schengen countries. Therefore it’s prudent to check the geographical scope of the policies before buying to avoid last-minute hassles.

The Schengen Area is a cluster of 26 European nations that mandate the compulsory purchase of travel insurance. This may cover expenses up to 30000 Euros without any sub-limits for five days on account of an injury sustained whilst on a trip.

Following is the list of European Union member countries which are Non-Schengen states but with similar travel insurance requirements:

• Bulgaria.
• Croatia.
• Cyprus.
• Romania.

We accept payments through any of the following options available online:

• Credit Card: Secured payments with your VISA, MasterCard, AMEX Cards.
• Debit Card: Make the payments directly through your VISA, Mastercard debit cards.
• Net Banking: Transfer premium online through your bank accounts online.
• Cash Card: Use your cash cards to make the premium payments online.
• Paytm: We also accept payments from wallets like Paytm or those of renowned banks.

There are certain documents that are mandatory for claim processing. However, we can accept surrogate documents/means, depending upon the nature and objective of the claim wherever it is possible.

Within 30 days after the completion of treatment. In the event of death, claims can be submitted after the repatriation of the person's remains/burial.

The forms are available on the website. You will also receive the forms along with the policy which can be submitted with the relevant documents.

Yes, we do cover ambulance charges. We also cover the charges of medical evacuation in emergencies.

In case of hospitalization, you need to call the helpline numbers and so that the cashless facility is arranged for you in the nearest hospital where you can avail treatment. All you need to do is show is your passport number and the policy number. For worldwide policies, an e-card is mailed to you along with policy certificate. You can use this e-card for availing the cashless facility in most of US hospitals or in other countries.

We have tie-ups with the local Assistance Service Providers through our Third Party Assistance partner. Thus we have wide coverage in the US or any other part of the world. The TPA helps in arranging the cashless facility for you at the nearest hospital.

Not necessary. After purchasing the policy online, you will get the policy document which is digitally signed and valid throughout the world. Once you make a payment, the policy will be generated instantly and you can take printouts immediately. Even if the policy is lost, all you need to do is log in to our website through your login ID and password, and take a printout instantly.

You need to submit the required claim documents to the TPA who checks them thoroughly. If all the documents are in order, the payment will be reimbursed within 15 days.

Our deductible is US $ 100, per illness basis. This implies that for any claim, the first $100 is to be borne by you. However, there is no requirement of any co-pays. Similarly, the deductible for the loss of passport is $ 50 and a policy excess for an airplane hijack is 12 hours.

If hospitalisation is for more than 2 consecutive days, this advantage can be applied once only during the period of the policy. But this does not imply that the insured will need to accept hospitalisation expenses for the initial two days. This deductible is for daily hospital allowance and not for hospitalisation. This allowance is for expenses other than hospitalisation expenses. We will pay you a daily compensation towards hospitable allowance if the hospitalization is for a period of more than 2 consecutive days.

Yes. We can settle claims once you return back to India or even when you are abroad. We also have a cashless facility in case of hospitalization for which the entire process happens during the stay itself. For cashless claims, you should get in touch with our TPA who arranges for the cashless treatment in the nearest hospital. So whether you claim abroad or when you are back in India, the claims would be settled with our TPA.

You will receive the hard copy within 15 working days from the date of purchase. However, you can instantly print the policy after buying it online. This print is a valid legal document which can be used in the events of claims along with your passport details and policy number.

Yes. You may cancel your policy which you bought online. The premium amount will be refunded on a pro-rata basis provided there are no claims made subject to minimum 30 days left for the policy to expire.

This is covered under Loss of Checked-In Baggage. The travel insurance compensates for expenses for your checked-in baggage that you lost while in custody of the Common Carrier or there is a delay in receiving of Checked-In Baggage beyond twelve hours consecutively.

We understand the agony of being hospitalized in a foreign land. The travel insurance will cover communication costs under the daily hospitalization allowance, which is a specific amount per day of stay at the hospital. This also covers other miscellaneous costs such as attendant’s charges, transportation, and communication incurred which are otherwise not mentioned under any specific clause in the policy.

We accept payments through any of the following options available online:

• Credit Card: Secured payments with your VISA, MasterCard, AMEX Cards.
• Debit Card: Make the payments directly through your VISA, Mastercard debit cards.
• Net Banking: Transfer premium online through your bank accounts online.
• Cash Card: Use your cash cards to make the premium payments online.
• Paytm: We also accept payments from wallets like Paytm or those of renowned banks.

This is covered under Trip Cancellation & Interruption. The travel insurance compensates for the financial loss incurred on account of cancellation of your trip due to any natural calamities, disaster, etc. or manmade situations that are not under anyone’s control.

Yes, we do cover ambulance charges. We also cover the charges of medical evacuation in emergencies.

IFFCO Tokio travel insurance covers the cost of travel of your minor child back to your home location, in case you’re hospitalized and traveling alone with your child/children.

Pre-approval is required for cashless claims. For this, you should get in touch with our TPA who will organize for cashless claims for the treatment.

You need to get a new/duplicate passport issued by the relevant authorities. Expenses for the issue of a new or duplicate passport are covered under the policy.

The forms are available on the website. You will also receive the forms along with the policy which can be submitted with the relevant documents.

You can fly business class and the travel insurance will cover the cost of up-gradation when returning in case you are hospitalized for over 5days consecutively due to an injury while on the trip.

The Medical Cover of your travel insurance covers the expenses incurred for your hospitalization or treatment if you are diagnosed with an illness during your trip. If you still require further treatment upon your return, expenses for the same will be covered for up to a period of 30 days or up to policy end date, whichever is earlier.

Travel insurance with a minimum insured sum of USD 50,000 will be good enough.

Personal Accident: The insurance covers accidental death or permanent total disability when you are traveling abroad. If there is accidental death during your international travel, your nominee will get a lump sum payment of sum insured.

The Schengen Area is a cluster of 26 European nations that mandate the compulsory purchase of travel insurance. This may cover expenses up to 30000 Euros without any sub-limits for five days on account of an injury sustained whilst on a trip.

Following is the list of European Union member countries which are Non-Schengen states but with similar travel insurance requirements:

• Bulgaria.
• Croatia.
• Cyprus.
• Romania.

There are certain documents that are mandatory for claim processing. However, we can accept surrogate documents/means, depending upon the nature and objective of the claim wherever it is possible.

Yes. We can settle claims once you return back to India or even when you are abroad. We also have a cashless facility in case of hospitalization for which the entire process happens during the stay itself. For cashless claims, you should get in touch with our TPA who arranges for the cashless treatment in the nearest hospital. So whether you claim abroad or when you are back in India, the claims would be settled with our TPA.

We have tie-ups with the local Assistance Service Providers through our Third Party Assistance partner. Thus we have wide coverage in the US or any other part of the world. The TPA helps in arranging the cashless facility for you at the nearest hospital.

You need to submit the required claim documents to the TPA who checks them thoroughly. If all the documents are in order, the payment will be reimbursed within 15 days.

The Dental Expenses cover of the policy will compensate for such losses on account of any injury while on your trip.

You can opt for a more convenient multi-trip policy if you are a frequent flyer. We offer multi-trip policies for one year with an option of a maximum period of travel of 30 days or 45 days or 60 days per trip. So you can choose your policy as per your expected needs and maximum duration per trip.

For pre-approval of hospitalization claim, you should get in touch with our TPA at the following contact details:

• Paramount Management Healthcare Pvt. Ltd., Elite Auto House, 1st Floor, Travel Health Dept. Chakala, Andheri (E), 54-A, M.Vasanji Road, Mumbai- 400093.

Tel: 00 91 22 40004216 / 40004219.

Fax: 00 91 22 67021259 / 260.

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

E-Mail: travelhealth@phmglobal.com

• Europe Assistance India Pvt. Ltd., Star Hub Building No. 2, 7th Floor, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai- 400059.

Tel: +91-22-67872021.

US Toll-Free: +1 8334288421.

Email ID: iffcotokiotravel@europ-assistance.in

You may also call a devoted Helpline number for IFFCO-Tokio General Insurance - 0091 22 67515551.

No, sub-limits are not applicable to Schengen countries.

No worries. Your mom can travel from your home to your hospital and IFFCO Tokio’s travel insurance will compensate for the expenses under the 2-way Compassionate visit cover for one immediate family member to your current location.

This is covered under Medical Evacuation: In events where you need to be transferred to a place where you can get a medical facility, the insurance policy covers the costs of such emergency medical evacuation.

No. Since the product requirements are different for Schengen countries from Non-Schengen countries, you need to buy 2 separate policies; one for the Schengen countries and another for the Non-Schengen countries (Excluding the US and Canada plan).

The Schengen visa requires a no sub-limit plan, so a Non-Schengen plan (with sub-limits) shall not be valid in Schengen countries. Therefore it’s prudent to check the geographical scope of the policies before buying to avoid last-minute hassles.

Not necessary. After purchasing the policy online, you will get the policy document which is digitally signed and valid throughout the world. Once you make a payment, the policy will be generated instantly and you can take printouts immediately. Even if the policy is lost, all you need to do is log in to our website through your login ID and password, and take a printout instantly.

In case of hospitalization, you need to call the helpline numbers and so that the cashless facility is arranged for you in the nearest hospital where you can avail treatment. All you need to do is show is your passport number and the policy number. For worldwide policies, an e-card is mailed to you along with policy certificate. You can use this e-card for availing the cashless facility in most of US hospitals or in other countries.

No worries. There is a 15 days free-look period for our policies. So if you find the policy unsuitable, you can cancel the policy and get back the premium you have paid within this free-look period.

No. Claims on account of pre-existing diseases/conditions are not covered under this policy.

No.

Claims on account of pre-existing diseases / medical conditions, whether they are declared or not declared, are not covered under this policy.

You can opt for a more convenient multi-trip policy if you are a frequent flyer. We offer multi-trip policies for one year with an option of a maximum period of travel of 30 days or 45 days or 60 days per trip. So you can choose your policy as per your expected needs and maximum duration per trip.

Our travel insurance plans have got your back wherever your travels take you! Africa, Antarctica, Asia, Australia, Europe, South America – our plans cover it all! You can also get specialized travel insurance for USA and Canada. And yes, we also have overseas travel insurance plans that cover trips across multiple continents. So, it does not matter where you are off to next, we at IFFCO-Tokio can help secure your travels.

Unfortunately, no. You are not given the option of buying a travel insurance policy once you have already set sail on your travels. This is why you should be very prompt in purchasing a travel insurance policy well in advance so that you can go on your trip without having to worry about anything.

Do not worry, you always have the option of extending the travel insurance policy online before its expiry date. This will ensure that you do not have to worry about your financial coverage since you would have coverage for the extended period.

With our international travel insurance plan, you have the option of cancelling your policy if your trip is cut short. The premium that you paid will be refunded provided that the difference of your date of arrival and policy expiration date is at least 15 days or more. Do note that there are certain cancellation charges that will be applicable. However, a refund would not be possible if you have already used your insurance policy to make a claim.

In case you are travelling to a foreign country and you meet with an accident, then you must immediately get the required medical treatment. Inform your lender about your situation. You will have to raise a claim to receive coverage from your insurer. For the claim, you will need the following basic documents:

• Medical bills

• Medical reports

• Case study and medical notes

• Bills for hospitalization charges 

Yes, of course! If you wish to cancel the international travel insurance policy that you have purchased, you can do so online itself. The premium amount that you have paid for the international travel insurance policy will be refunded on a pro-rata basis if there are no claims made. It is also subject to a minimum of 30 days left for the policy left to expire.

One needs to submit the required documents that are required by the lender. It depends on the type of situation too. Talk to your lender and get the list of required documents.

The claims process for Overseas Travel Insurance is really easy. You can find the claims form on our website. Once you fill in the details and submit all the required documents required, you can successfully file your claim.

Once you buy your international travel insurance policy, it will become active at the same time of your departure date. You start to receive coverage from our policy right from the time of boarding till the date of your return to the country.

No, it is not mandatory for you to buy international travel insurance policy for your trips abroad. However, it is advisable that you do because of the following reasons:

• Healthcare could be quite expensive

• Your investments would be secure with an international travel insurance policy

• Luggage could get misplaced

• Loss of passports/phones/licenses could garner significant expenses

An evacuation and repatriation coverage is a type of emergency evacuation coverage which provides you the option of being taken back to your home country to receive medical treatment. Please note that under this type of coverage, the policyholder does not get the option to choose the evacuation alternative; This option is only exercised when it is the recommended course of action in terms of medical treatment. 

A travel assistance partner is a person who helps the client to choose their destination, itinerary, schedules, and other needs, during their travel. A travel assistance partner plans and arranges everything for the client. If a client has special needs, a travel assistance partner will also accompany their clients to fulfil the client’s needs. One can also hire a travel assistance partner if they need special media care.