Personal Accidental Coverage of Rs 10,00,000.
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Being a responsible insurance services provider, IFFCO Tokio is extending this hugely beneficial scheme for its customers. Now you can enjoy all the benefits that this insurance scheme has to offer by subscribing to Pravasi Bhartiya Bima Yojna online through our website.
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BUY/RENEW POLICYWhat it covers?
Coverage up to Rs10 lakhs in case of accidental death or permanent disability due to an accident in the foreign country.
Reimbursement of transportation expenses for repatriation of mortal remains of the insured person along with return airfare for one attendant.
Hospitalisation expenses up to Rs 1 Lakh are covered under the policy. The maximum permissible limit is Rs50,000/- for a single instance of hospitalisation.
In case of premature termination of employment, you will be entitled to one-way economy class fare to any Indian international airport.
Litigation expenses upto Rs50,000/- are covered for any legal action related directly to the employment.
Women emigrants are eligible for Rs50,000/- max., maternity expenses benefits.
You are eligible for coverage under Pravasi Bhartiya Bima Yojna if you are going to work in any of the following countries and yourself fall into the ECR category:
Afghanistan.
Iraq.
Thailand.
Malaysia.
Lebanon.
Kuwait.
Bahrain.
Indonesia.
Jordan.
Sudan.
Syria.
South.
Sudan.
Qatar.
UAE.
Oman.
Libya.
Saudi Arabia.
Major Exclusions
Any claims that have been related to events/incidents/accidents before the commencement of the Pravasi Bima Yojna policy or after the expiry of the policy are excluded from the coverage under this policy.
Any claims under which it is found that you were working in a different country or a different profession or under a different employer or a different sponsor against as mentioned in the proposal form under the policy schedule, where the relevant information regarding the nature of employment, country of employment and name of the employer has been mentioned. If it is found that you have failed to disclose the changes in the above circumstances, then all such claims are inadmissible under the Pravasi Bhartiya Bima Yojna.
If there is an incident of war, riots, strikes or civil unrest in the country of your employment, then any claims arising out of injuries or accidents in such country are inadmissible under the Pravasi Bima Yojna policy.
If your passport and visa are expired during the validity of the policy, and you fail to renew the same, then any claims made against your Pravasi Bhartiya Bima Yojna policy for injuries or accidents occurring during the period when the visa or passport was expired would not be entertained.
If you are traveling against the advice of a physician.
If you have been diagnosed with a terminal medical condition.
If you are undergoing or are on the waiting list for a specific medical condition and the same medical condition has been declared in the certificate issued by the medical practitioner.
If you are participating in a military, naval or air force operation. The participation could be in the form of war games, military exercise or actual combat with the enemy. The enemy here includes external as well as external parties.
Contamination from radioactivity from nuclear fuel, nuclear waste or burning of any nuclear fuel.
Exposure to Ionizing radiation.
Toxic, Radioactive, explosive or other hazardous properties of any explosive nuclear component or nuclear assembly.
Sickness resulting from Asbestosis or any other condition that is a result of working with, handling, processing, manufacturing, distribution, use or sale of asbestosis or related materials.
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