IFFCO Tokio provides extensive coverage to protect your motor vehicle from every risk. It gives you a complete ‘on-road protection’ facility.
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BUY/RENEW POLICYWhen you buy comprehensive car insurance the following are included in the policy:
Loss or damage of the car because of fire or explosion, Flood, inundation, storm, cyclone, typhoon, hailstorm, lightning, earthquake and other Acts of God, etc
Legal liability to third-party in case of injury, death or property damage.
Personal accident cover offers compensation to the owner if they get injured while getting in or out of the vehicle or while traveling.
If the insured vehicle meets with an accident, the owner gets reimbursed for towing, protection and redelivery of the vehicle.
On payment of the additional sum, the coverage can be extended as a part of the policy. These include Personal accident cover for passengers, Loss or damage of electrical or non-electrical accessories, etc.
While exclusions can vary from policy to policy, generally the following are excluded from a majority of car insurance:
Consequential loss.
Contractual liability.
Depreciation and wear and tear.
Mechanical or electrical breakdown.
Accident or damage due to the car being driven under the influence of alcohol or drugs.
The vehicle being used for other purposes, like racing, speed testing or commercial use, then what was mentioned in the insurance application.
Damage to tires or tubes.
Loss of accessories.
Add on Covers With Your Car Insurance Policy
Zero Depreciation Cover: The depreciation value is deducted at the time of settling the claim. When you opt for Zero Depreciation Cover, the entire claim amount will be paid out to you.
No Claim Bonus Protection: The add-on keeps your No Claim Bonus safe even if you make a claim.
Engine Protection: If you buy Engine Protection, the policy covers the repairs without you having to spend anything.
Return to Invoice: This add-on helps you get the original invoice price of the vehicle, including road tax and registration charges, should your vehicle be deemed a total loss.
Roadside Assistance: The cover offers you numerous valuable services, like towing, key replacement and refueling, should your car breakdown in the middle of nowhere.
Cancellation
The Company may cancel the policy by sending seven days notice by recorded delivery to the insured at insured’s last known address and in such event will return to the insured the premium paid less the pro rata portion thereof for the period the Policy has been in force. The policy may be cancelled at any time by the insured on seven days notice by recorded delivery and provided no claim has arisen during the currency of the policy. The insured shall be entitled to a return of premium less premium at the Company’s Short Period rates for the period the Policy has been in force.
IFFCO-Tokio offers cashless services at 7000+ network hospitals spread evenly across the country. Here are our cashless network hospitals list
Here are key reasons why individuals should consider health insurance in Hyderabad:
Rising Healthcare Costs:
Health insurance helps individuals and families manage rising healthcare costs by covering a significant portion of medical expenses.
Comprehensive Medical Coverage:
Health insurance provides financial coverage for various medical expenses, including hospitalization, surgeries, diagnostic tests, and medications.
Cashless Hospitalization:
Many health insurance policies offer cashless hospitalization, allowing policyholders to receive treatment at network hospitals without upfront payments, as the insurer settles bills directly with the hospital.
Access to Quality Healthcare:
As a leading medical tourism destination, Hyderabad offers excellent healthcare facilities. Health insurance expands access to a wide network of hospitals and medical providers, offering more choices for quality care.
Financial Protection Against Critical Illnesses:
Health insurance plans often cover critical illnesses, providing essential financial support that allows individuals to focus on recovery rather than costs.
Peace of Mind:
Health insurance provides peace of mind by ensuring financial support during medical emergencies, enabling individuals to prioritize health and well-being.
Tax Benefits:
In India, health insurance premiums qualify for tax benefits, offering an added incentive to invest in health insurance.
Inclusions: |
Exclusions: |
Add-Ons |
---|---|---|
Hospitalization charges | Cosmetic treatment | Room Rent Waiver |
Pre and post-hospitalization | Pregnancy | Critical Illness |
Day-care procedure | Self-harm | Consumables |
Laboratory services | Dangerous Activities | Wellness Benefit |
Prescription medicines | ||
AYUSH treatment | ||
Ambulance charges | ||
Critical illness |
Based on 242 reviews
GRET SERVICE
I have no worries while travelling abroad. Iffco Tokio covers everything. Thanks.
Thanks for a Home Insurance policy that covers all the vulnerabilites. I am indebted.
Great critical illness insurance policy product.
Very good service
Very Nice
Get Cashless Treatments in 8000+ Network Hospitals
Cashless hospitalization is truly a boon for the policyholder. You can avail the best treatment without worrying about finances. Plus, you save a lot of effort on paperwork. Your insurer settles the bills directly with the hospital with minimal involvement on your part so that you can focus on getting better.
Let us take a look at the key features of a cashless health insurance plan:
If in case you or any of your family members require immediate medical treatment, cashless health insurance will help you save time. You can get immediate medical attention without having to worry about making payments.
The insurance company will provide you with a wide network of hospitals where you can avail cashless treatment. You can go to any one of these hospitals and the medical expenses would be handled directly by the insurance company.
You do not need to carry any cash along with you. The option of cashless hospitalization leaves you with one less thing to worry about.
With reimbursement policies, you are supposed to pay the medical bills and then later make a claim using your health insurance policy. However, with a cashless health insurance policy, you do not have to worry about any of this since the insurance company has a tie-up with the hospital and will settle the bill with them directly.
When you have a cashless health insurance policy, you generally do not need to submit any reports, documents, or discharge sheets, making the entire process extremely efficient.