Individual Personal Accident Policy

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Individual Personal Accident Insurance Policy

Going further than your regular health insurance, we at IFFCO-Tokio wish to offer customers the best comprehensive financial protection and that is where an individual personal accident policy comes into play.

Coverage for loss of employment of the insured individual.

Coverage for loss of eyesight, limbs, or permanent total & absolute disablement.

Coverage for the dependent children’s education cost.

Coverage for ambulance cost.

The insured amount increases every time the policy is renewed.

It is one of the most comprehensive and best online personal accident policies.

It is easy to buy and renew the policy online.

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What it covers?

Accidental death: If the insured meets an untimely death because of an accident, their dependants or nominees are paid death benefits, so they are covered against financial insecurity.

Permanent total disability: If the insured is rendered completely disabled in a permanent way that is beyond the ability of medicine to heal, they will be entitled to avail benefits pay-outs, as mentioned in the guidelines of their policy. Even if the disability was not prominent at the time of the accident, but arises as a result of an accident within a year of it occurring, the insured will be able to avail benefits.

Permanent partial disability: If the insured is rendered partially disabled in a permanent way that is beyond the ability of medicine to heal, they will be entitled to avail benefits pay-outs, as mentioned in the guidelines of their policy.

Temporary total disability: Depending on the individual personal accident policy you purchase, you may be able to avail temporary total disability coverage. Under this benefit, if the insured individual is rendered completely disabled, even if on a temporary basis because of an accident, they are eligible for benefit pay-outs. This type of disability refers to a condition that can be restored by treatment or medicine, and the insured can return to their original productive and working capacity.

Major Exclusions

Intentional injury.
Injuries from a civil or foreign war.
Injuries that are incurred because the policyholder was under the influence of drugs or alcohol.
Injuries incurred because of active participation in violent public disorders or labor disturbances.
Injured on duty with any of the armed forces.
Injuries that arise because of participation in any adventure sports.
Claims that arise out of past illnesses or sicknesses.
Claims that arise out of pregnancy or childbirth-related issues.

Cancellation

We may cancel the policy on grounds of fraud, moral hazard or misrepresentation or non‐cooperation by you by sending 30(thirty) days notice by registered post to your last known address. You will then be entitled to, except in case of fraud or illegality on your part, a pro-rata refund of premium for the unexpired period of this policy in respect of such insured person(s) in respect for whom no claim has arisen.

You may cancel the policy by sending written notice to us under the registered post. We will then allow a refund as per the company guidelines, except for that insured person (s) for whom the claim has been preferred on us under the current policy.