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IFFCO Tokio Overseas Policy for Pravasi Bharatiya is a specialised insurance policy for eligible Indian emigrants travelling overseas for employment. It is designed around employment-related risks rather than the ordinary medical and trip-disruption needs of holiday travellers. The official product page lists personal accident protection up to ₹50 lakh, along with specified hospitalisation expenses and maternity benefits. Other listed benefits include employment-contingency expenses, reimbursement of eligible termination compensation, unpaid salary coverage and legal costs arising in covered circumstances. The policy also provides specified benefits relating to repatriation, passport loss, kidnap and ransom, house burglary, children’s education grants and cremation expenses. Certain family hospitalisation and attendant transportation benefits are also listed, subject to eligibility and policy conditions. The product is offered for a two- or three-year policy term, but cover ends according to the policy wording and employment-related conditions. Applicants should confirm their eligibility, declared employment details, current premium and all benefit limits before buying.
Employment-focused protection with accident, salary, legal and family-related benefits
This policy has a broader employment-focused benefit structure than a standard overseas travel insurance plan. Its published schedule includes personal accident cover up to ₹50 lakh, hospitalisation and maternity benefits, employment-contingency expenses, unpaid salary cover and specified legal costs. It also lists benefits that may assist the worker or eligible family members in particular circumstances, such as family hospitalisation in India and an education grant for children. These benefits have individual limits and qualifying conditions, so they should not be interpreted as unlimited medical or salary protection. The insurer lists two-year and three-year policy terms, with premium examples on the official page. Before purchasing, verify that the policy matches the emigrant’s employment circumstances and review the termination conditions, exclusions, passport and visa requirements, claim documents and current policy schedule.
IFFCO Tokio
Key Insights
Founded
2000
IFFCO Tokio was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96.5% CSR, calculated as a 3-year average
IFFCO Tokio settles 96.5% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-103-5490
Headquarters: IFFCO Tower II, Plot No. 3, Sector – 29, Gurugram – 122001, Haryana, India
The policy lists personal accident protection for the insured emigrant.
Published sum insured: ₹50,00,000, subject to policy definitions and conditions.
Specified hospitalisation expenses for the insured person are covered under the policy terms.
Published limit: ₹1,00,000.
Specified maternity expenses are included for eligible insured persons.
Published limit: ₹1,00,000; eligibility and conditions apply.
Specified hospitalisation expenses for eligible family members in India are listed under qualifying circumstances.
Published limit: ₹1,00,000; confirm family eligibility and triggering conditions.
The policy lists defined employment-contingency expenses and reimbursement of qualifying termination compensation.
Published limits: Part A ₹15,000 and Part B ₹2,00,000.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
IFFCO Tokio plans and claim process
It is a specialised insurance policy for eligible Indian emigrants travelling abroad for employment. It provides specified personal accident, medical, employment-related and family benefits under its terms.
The official product page lists personal accident cover of ₹50 lakh, subject to the policy definitions and conditions.
The insurer lists policy terms of two years and three years. Confirm the commencement, expiry and employment-related termination conditions in the policy wording.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official IFFCO Tokio website before purchasing.
Official Website
iffcotokio.co.in
Visit the official IFFCO Tokio website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The official page lists ₹2,500 for a two-year term and ₹3,600 for a three-year term. Confirm the current premium, taxes and eligibility directly with IFFCO Tokio before purchase.
Yes, the official schedule lists hospitalisation expenses up to ₹1 lakh, subject to policy terms and exclusions.
Specified maternity expenses are listed with a limit of ₹1 lakh. Eligibility and the detailed conditions in the policy wording apply.
The official product page lists unpaid salary coverage as actuals. This does not mean every unpaid salary claim is automatically payable; eligibility and documentation requirements apply.
The published coverage summary lists legal costs up to ₹50,000, subject to the policy wording and the circumstances of the claim.
Specified hospitalisation expenses for eligible family members in India are listed up to ₹1 lakh. This is subject to the policy’s family definitions and qualifying conditions.
The policy is intended for eligible Indian emigrants travelling overseas for employment. Review the insurer’s eligibility requirements and required documentation before purchasing.