Webapps IFFCO Tokio Travel Portal

Can you tell me what does the Overseas Travel Medical Insurance Policy of IFFCO Tokio covers and also what it does not covers?

[pawan]

Overseas Travel Medical Insurance Policy of IFFCO Tokio helps the policy holder travel peacefully and safely at affordable premium. It offer travel insurance for US and other countries as well. One can also choose the plans online according in accordance to their requirements.

What the Policy Covers
Health cover
o Medical expenses
o Dental treatment
o Transportation
o Hospital daily allowance
Total loss of baggage, including delay of baggage
Hijack distress allowance
Loss of passport
Financial emergency assistance cover
Personal liability
Personal accident

What the Policy does not Cover

The Company will not pay:
For any claims related to events occurring before the commencement of the cover.
For any claim if the Insured Person
o Is travelling against the advice of a Physician.
o Is receiving or on a waiting list for specified medical treatment declared in the physicians report or certificate or has received a fatal diagnosis for a medical condition.
o Is taking part in a Naval, Military or Air Force operation.

For any claim arise out of illnesses or accidents that the Insured Person has caused intentionally or by perpetrate a crime or as a result of drunkenness or addiction (drugs, alcohol).

For any claims arise out of mental disorders, anxiety, stress/depression, venereal disease or any loss arising directly or indirectly from any injury, illness, death, loss or expense or any other liability attributable to HIV (Human Imnuno Deficiency Virus) and/ or any HIV related illness including AIDS (Acquired Imuno Deficiency Syndrome) and/ or any misshapen derivative or variant thereof howsoever caused.

For illness and accidents that are result of wars or war-like event or assault, acts of foreign enemies, warfare, active participation in riot, civil war, rebellion, insurrection, military or usurped power or confiscation or nationalisation or requisition of or destruction of or damage to the property by or under the order of any government or local authority.

For any claim arising from damage to any property whatsoever or any loss or expenses whatsoever resulting or arising from or any momentous loss directly or indirectly caused by or contributed to by or arising from:
o Ionising emission or fault by radioactivity from any nuclear waste from the combustion fuel or
o The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

For any claim arising out of sporting risk in so far as involve the training or participation in competitions of professional or semi-professional sportsmen or women.