Policy Wordings

Product Name
Private Car Act & Comprehensive Policies
Private Car Policy Wording
Motor Cycle / Scooter B Policy
Commercial Vehicle - Package policy
Commercial Vehicle - Standalone TP Policy
Extended Warranty Insurance (Vehicle) Policy
On Road Protector Coverage - OD - PCP
Value Auto Coverage
E-Bike Package Policy
5 Year Standalone Third Party Long Term Two Wheeler Insurance Policy
Bundled cover with one year term for own damage and five years motor third party insurance policy for two wheelers
3 Year Private Car Act Policy
Bundled Cover with One Year Term for Own Damage and Three Years Motor Third Party Insurance Policy for Private Cars
Value Auto Coverage Bundled Cover With One Year Term For Own Damage And Five Years Motor Third Party Insurance Policy For Two Wheelers
Value Auto Coverage Bundled Cover with One Year Term for Own Damage and Three Years Motor Third Party Insurance Policy for Private Cars
On-Road Protector for Bundled Cover for Private Cars
Compulsory Personal Accident (OWNER-CUM-DRIVER) Under Motor Insurance Policies
Standalone Motor Own Damage Policy For Two Wheeler
Standalone Motor Own Damage Policy For Private Car
Value Auto Coverage Standalone Motor Own Damage for Two Wheeler
Value Auto Coverage Standalone Motor Own Damage for PCP
On Road Protector Coverage For Standalone Motor Own Damage Private Car
Motor Add-Ons for Stand-Alone Motor OD for Private Car
Motor Add-Ons for Bundled Cover with One Year Term for Own Damage and Three Years Motor Third Party Insurance Policy for Private Cars
Motor Add-Ons for Standalone Motor Own Damage Policy For Two Wheeler
Motor Add-Ons for Bundled cover with one year term for own damage and five years motor third party insurance policy for two wheelers
Motor Add-Ons for Motor Cycle / Scooter B Policy
Motor Add-Ons for Commercial Vehicle - Package policy
Motor Add-Ons for Private Car Act & Comprehensive
Pay as You Use for Bundled cover for Private Car
Pay as You Use for bundled cover for Two wheelers
Pay as You Use for Stand-Alone Motor OD Two wheeler
Pay as You Use for Stand-Alone Motor OD Private Car
Pay as You Use for Private Car Act & Comprehensive
Pay as You Use for Motor Cycle / Scooter B Policy
Helmet Cover for bundled cover for Two wheelers
Helmet Cover for Motor Cycle / Scooter B Policy
Helmet Cover for Stand –Alone Motor OD Two wheeler
Equated Monthly Installment (EMI) Protection for Bundled cover for Private Car Wording
Equated Monthly Installment (EMI) Protection for bundled cover for Two wheelers Wording
Equated Monthly Installment (EMI) Protection for Private Car Act & Comprehensive Policies Wording
Equated Monthly Installment (EMI) Protection for Stand-Alone Motor OD Private Car Wording
Equated Monthly Installment (EMI) Protection for Motor Cycle / Scooter B Policy Wording
Equated Monthly Installment (EMI) Protection for Stand –Alone Motor OD Two wheeler Wording
Equated Monthly Installment (EMI) Protection for ‘Commercial Vehicle – Package Policy’ Wording
Rim Protection Cover for Bundled cover for Private Car Wording
Rim Protection Cover for Private Car Act & Comprehensive Policies Wording
Rim Protection Cover for Stand-Alone Motor OD Private Car Wording
Rim Protection Cover for ‘Commercial Vehicle – Package Policy’ Wording
Battery Protection Cover (Electric/ Hybrid) for Stand-Alone Motor OD Private Car Wording
Battery Protection Cover (Electric /Hybrid) for Bundled cover for Private Car Wording
Battery Protection Cover (Electric /Hybrid) for Private Car Act & Comprehensive Policies Wording
Battery Operated Bike (Two wheeler) Package Policy
Nil Depreciation Cover for Bundled cover for Private Car
Nil Depreciation Cover for Private Car Act & Comprehensive Policies
Nil Depreciation Cover for Stand-Alone Motor OD for Private Car
Nil Depreciation Cover for bundled cover for Two wheelers
Nil Depreciation Cover for Motor Cycle Scooter B Policy
Nil Depreciation Cover for Stand –Alone Motor OD for Two wheeler
Nil Depreciation Cover for Commercial Vehicle – Package Policy
Loss of personal belongings for bundled cover for Private Car- Add-on
Loss of personal belongings for Private Car Act & Comprehensive Policies- Add-on
Loss of personal belongings for Stand-Alone Motor OD for Private Car-Add-on
Road Side Assistance Cover for ‘Commercial Vehicle – Package Policy’
Motor Add-ons for ‘Stand-Alone Motor Own Damage for Private Car’ Preferred Garage Benefit for Stand-Alone Motor OD for Private Car
Motor Add-ons for ‘Private Car Act & Comprehensive Policies’ Preferred Garage Benefit for Private Car Act & Comprehensive Policies
Motor Add-ons for ‘Bundled Cover With One Year Term For Own Damage And Three Years Motor Third Party Insurance Policy For Private Cars’ Preferred Garage Benefit for Bundled cover for Private Car
Motor Add-ons for ‘Stand-Alone Motor Own Damage for Private Car’ Waiver of Compulsory Deductible for Stand-Alone Motor OD for Private Car
Motor Add-ons for ‘Private Car Act & Comprehensive Policies’ Waiver of Compulsory Deductible for Private Car Act & Comprehensive Policies
Motor Add-ons for ‘Bundled Cover With One Year Term For Own Damage And Three Years Motor Third Party Insurance Policy For Private Cars’ Waiver of Compulsory Deductible for Bundled cover for Private Car
Road Side Assistance Cover for Bundled cover for Two wheelers
Road Side Assistance Cover for Motor Cycle / Scooter B Policy
Road Side Assistance Cover for Stand –Alone Motor OD for Two wheeler
Road Side Assistance Cover for Stand –Alone Motor OD for Two wheeler
Road Side Assistance Cover for Stand –Alone Motor OD for Two wheeler
Motor Add-ons for ‘Bundled Cover With One Year Term For Own Damage And Three Years Motor Third Party Insurance Policy For Private Cars’ - Pay How You Drive for Bundled cover for Private Car
Motor Add-ons for ‘Private Car Act & Comprehensive Policies’- Pay How You Drive for Private Car Act & Comprehensive Policies
Motor Add-ons for ‘Stand-Alone Motor Own Damage for Private Car’ - Pay How You Drive for Stand-Alone Motor OD for Private Car
Motor Add-ons for ‘Bundled Cover With One Year Term For Own Damage And Three Years Motor Third Party Insurance Policy For Private Cars’ Charger and Charging Accessories Cover for Bundled cover for Private Car Wording
Motor Add-ons for ‘Private Car Act & Comprehensive Policies’ Charger and Charging Accessories Cover for Private Car Act & Comprehensive Policies Wording
Motor Add-ons for ‘Stand-Alone Motor Own Damage for Private Car’ Charger and Charging Accessories Cover for Stand-Alone Motor OD for Private Car Wording
Nil Depreciation for Private Car Package Policy – 3 Years
New Vehicle Replacement for Private Car Package Policy – 3 Years
Consumable Cover for Private Car Package Policy – 3 Years
Loss of Personal Belongings for Private Car Package Policy – 3 Years
Engine And Gear Box Protection Cover for Private Car Package Policy – 3 Years
Loss of Key Cover for Private Car Package Policy – 3 years
Pay How You Drive for Private Car Package Policy – 3 Years
Tyre Replacement for Private Car Package Policy – 3 Years
Rim Protection Cover for Private Car Package Policy – 3 Years
Road Side Assistance Cover for Private Car Package Policy – 3 Years
PRIVATE CAR PACKAGE POLICY- 3 YEARS
Electric/Hybrid Vehicle Cover for Private Car Package Policy – 3 Years
Charger and Charging Accessories Cover for Private Car Package Policy – 3 Years
Equated Monthly Installment (EMI) Protection for Private Car Package Policy – 3 Years
Daily Rental / Travel Cost for Private Car Package Policy – 3 Years
Towing and/or Removal /Storage of the Insured Vehicle for Private Car Package Policy – 3 Years
Medical Expenses for Private Car Package Policy – 3 Years
Return to Invoice for Bundled cover for Private Car
Return to Invoice for Private Car Act & Comprehensive Policies
Return to Invoice for Stand-Alone Motor OD for Private Car
Return to Invoice for Bundled cover for Two wheelers
Return to Invoice for Motor Cycle / Scooter B Policy
Return to Invoice for Stand –Alone Motor OD for Two wheeler
Return to Invoice for ‘Commercial Vehicle – Package Policy’
Engine and Gear box Protection Cover for bundled cover for Two Wheelers
Engine and Gear box Protection Cover for Motor Cycle / Scooter B Policy
Engine and Gear box Protection Cover for Stand-Alone Motor OD for Two Wheeler
Rim Protection Cover for bundled cover for Two Wheelers
Rim Protection Cover for Motor Cycle / Scooter B Policy
Rim Protection Cover for Stand-Alone Motor OD for Two Wheeler
Tyre Replacement for bundled cover for Two Wheelers
Tyre Replacement for Motor Cycle / Scooter B Policy
Tyre Replacement for Stand-Alone Motor OD for Two Wheeler
Electric/Hybrid Vehicle Cover for Commercial Vehicle Package Policy
Charger and charging accessories cover for commercial vehicle

Health

Product Name
Critical Illness Benefit (CIB)
Arogya Sanjeevani Insurance (ASI)
Swasthya Raksha Bima (SRB)
Health Protector Plus (HPP)
Hospital Daily Cash (HDC)
Wellness Benefit
Arogya Sanjeevani Policy (Micro Insurance)
Critical Illness Benefit Policy (Micro Insurance)
Hospital Daily Cash Policy (Micro Insurance)
Consumables Protector (Add-On for Retail Health Products)
Special Needs
Individual Health Protector (IHP)
Family Health Protector (FHP)
Day Care Procedures
Essential Health Protector
Essential Health Protector -Add-On OPD
Essential Health Protector -Add-On Maternity
Essential Health Protector -Add-On Dental
Surrogacy Protector Policy
Health Protector Assure

Personal Accident

Product Name
Individual Personal Accident Policy
Sankat Haran Bima (Gramin Accident Insurance) Policy
Janata Personal Accident Insurance Policy
Mahila Suraksha Bima Policy (Micro Insurance)
Jan Suraksha (Micro Insurance Product) Bima Policy
Individual Personal Accident Grand
Loan Protector Policy (Group)
Comprehensive Accident Hospitalisation Policy
Saral Suraksha Bima, IFFCO-Tokio General Insurance Company Limited
Individual Personal Accident Policy (Micro Insurance)
Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Group Policies

Product Name
Group Personal Accident Policy
Group Critical Illness Policy
Group Hospital Cash Policy
Group Medishield Insurance Policy
Group-Saral Suraksha Bima
Group Critical Illness Benefit Policy (Micro Insurance)
Group Hospital Daily Cash Policy (Micro Insurance)

Product Name
Home Suvidha Policy
All in One Home Protector
Bharat Griha Raksha Policy
Bharat Griha Raksha Policy Add-Ons
Flexi Home Protector Policy
Flexi Home Protector Policy Add-Ons
Comprehensive Home Protector Policy

Liability

Product Name
Public Liability - Industrial
Public Liability Act
Product Liability - Policy Wording
Directors and Officers Liability
Errors and Ommissions (Professional Indemnity) (Technology ) Policy
Comprehensive General Liability Insurance
Crime Insurance Policy
Clinical Trials Liability Insurance Policy
Investment Management Insurance Policy
Employment Practices Liability Insurance (EPLI) Policy
Public Offering of Securities Insurance (POSI) Policy
Cyber Security Insurance
Buyer's Warranty and Indemnity Insurance Policy
Kidnap and Ransom Protection Policy
Professional Indemnity- ITGI FIPI - wording
Professional Indemnity- Misc Wording
Professional Indemnity- Policy wording - Doctors
Professional Indemnity- Policy wording - Single Project
Public Liability - Non-Industrial
Securities-Issuer's Liability Policy Schedule Wordings
Director and Key Personnel Liability Insurance Wording

Specialty

Product Name
Fidelity Guarantee Policy
Credit Insurance Policy
Jewellers Block Protector Insurance Policy
Diamontaries Block Insurance Policy
Fine Arts and Private Collectors
Fine Arts Insurance Policy - Dealers and Gallery Owners
Event Cancellation Insurance
Trade Credit Insurance Policy
Billing and Settlement Insurance - IATA
Commercial and Political Risk Insurance
Photovoltaic Sales Policy
Photovoltaic Buyer Policy
Credit Insurance Policy for Financial Institutions
Surety Insurance for Recruiting Agent
IFFCO-TOKIO Surety Bond Insurance-Conditional(Retail)
IFFCO-TOKIO Surety Bond Insurance-Conditional(Commercial)
IFFCO-TOKIO Surety Bond Insurance-Unconditional(Retail)
IFFCO-TOKIO Surety Bond Insurance-Unconditional(Commercial)

Marine

Product Name
Marine Cargo -Insurance Policy (Specific Policy, Open Policy)
Marine Liability -Through Transport and Related Liability (MTO)
Marine Hull And Machinery Insurance
Marine Cargo - Tea Crop Insurance
Marine Hull - Hull Liability Insurance Inland/Coastal Vessel
Carrier Legal Liability Policy
Marine Hull - War Risk Insurance Policy
Ports and Terminals Package Insurance Policy
Energy Exploration & Construction Policy

Property Engineering

Product Name
Machinery Loss of Profits Insurance Policy
Standard Fire and Special Perils Policy
Loss of Profit (Fire) Policy
Machinery Breakdown Insurance Policy
Boiler and Pressure Plant Policy
Electronic Equipment Inusrance Policy
Contractors Plant and Machinery Policy
Contractor’s All Risks Insurance Policy
Erection All Risks Insurance Policy
Burglary and Housebreaking Policy
Bharat Sookshma Udyam Suraksha
Bharat Sookshma Udyam Suraksha Add Ons Wording
Bharat Laghu Udyam Suraksha
Bharat Laghu Udyam Suraksha Add Ons Wording
Industrial All Risk Policy
Industrial All Risk Insurance Policy Add Ons Wording
Advance Loss of Profit Policy
Comprehensive Large Risk Insurance
Flexi Property Protector Policy
Flexi Property Protector Add-ons Wording
Comprehensive Property All Risk Policy

Other

Product Name
Workmen's Compensation Policy
All Risk Insurance Policy
Banker's Indemnity Policy
Money Insurance Policy
Trade Protector Insurance Policy (Sookshma Udyam)
Office & Professional Establishment Protector Insurance Policy (Sookshma Udyam)
Trade Suvidha Policy
Industry Protector Insurance Policy-Sookshma Udyam
PNB Housing Finance Home Protector Policy
Extended Warranty Insurance
Bank Locker Protector Policy
Trade Protector Insurance Policy (LAGHU UDYAM)
Office & Professional Establishment Protector Insurance Policy (LAGHU UDYAM)
Industry Protector Insurance Policy (LAGHU UDYAM)
Trade Protector Insurance Policy
Industry Protector Insurance Policy
Office & Professional Establishment Protector Insurance policy (Commercial)
Trade Protector Insurance Policy (LAGHU UDYAM) Add-Ons
Industry Protector Insurance Policy (LAGHU UDYAM) Add-Ons
Office & Professional Establishment Protector Insurance Policy (LAGHU UDYAM) Add-Ons
IFFCO-TOKIO SALARY PROTECTOR POLICY (GROUP)

Farmers/Kisan Products

Product Name
Agriculture Pump Sets Insurance Policy
Cattle & Livestock Insurance Policy
Weather Insurance Policy
Kisan Suvidha Bima Policy
Weather Insurance Policy (Micro Insurance)
Pashu Dhan Bima Policy (Micro Insurance)
Fasal Bima Yojna
Fasal Bima (Micro) Yojna
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Unified Package Insurance Scheme (UPIS)
Kisan Suraksha Bima Yojna
Pradhan Mantri Fasal Bima Yojana (PMFBY) - Micro
IFFCO-Tokio Restructured Weather Based Crop Insurance Scheme (RWBCIS)
Jan Kavach Yojna
IFFCO-Tokio Restructured Weather Based Crop Insurance Scheme (RWBCIS) Micro
Jan Kavach Yojna (Micro Insurance)
IFFCO-Tokio Drone Rakshak Insurance Policy