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Protects you against medical emergencies, travel disruptions, baggage issues, and other unexpected situations while you're travelling abroad.
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Get emergency medical protection of up to USD 1 Million (available for select plans), including cover for pre-existing diseases, OPD treatment, and medical evacuation.
The policy protects not only your overseas trip but also your home in India against specified fire risks and burglary while you're away.
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Get support if your baggage is delayed or lost, or if you lose your passport, International Driving Licence, or government-issued ID while travelling.
Choose from a range of travel plans designed to suit different travel needs and budgets.
Get help with hospital bills, doctor visits, emergency treatment, evacuation, and other covered medical emergencies during your trip.
Stay protected if your trip is delayed, cancelled, cut short, or you miss a connecting flight due to covered reasons.
Get support if your checked baggage is delayed or lost during your journey.
Get reimbursed for replacing your passport, International Driving Licence, and government-issued IDs if they're lost during your trip.
Covers personal accidents, legal liability, and provides support for your family during covered emergencies.
Protects your home in India against specified fire risks and burglary while you're travelling overseas.
Includes automatic policy extension for covered events.
Routine medical care, cosmetic treatments, planned pregnancy-related expenses, and non-emergency treatment for pre-existing diseases aren't covered.
Claims won't be covered if you travel against a doctor's advice or travel specifically to receive medical treatment.
Losses caused by alcohol or drug misuse, self-inflicted injuries, or unlawful acts aren't covered.
Claims arising from adventure sports are not covered unless your chosen plan includes this cover and the prescribed safety guidelines are followed.
Cash, jewellery, and valuables kept in checked baggage, or belongings left unattended, aren't covered.
Claims arising from war, nuclear risks, and other policy exclusions aren't covered.
Compare the key benefits of both travel insurance plans to see which one offers the protection you need for your international trip.
Coverage |
Overseas Travel Protector Policy |
Travel Protector Policy |
|---|---|---|
Max Emergency Medical Cover |
Up to USD 1,000,000 |
Up to USD 500,000 |
Emergency Pre-Existing Disease (PED) Life-Saving Cover |
✅ (Up to sub-limits) |
❌ |
Loss of Passport |
✅ |
✅ |
Loss of International DL & Govt Issued IDs |
✅ |
❌ |
Checked-In Baggage Delay & Total Loss |
✅ |
✅ |
Loss of Hand Baggage & Personal Belongings |
✅ |
❌ |
Trip Delay (>4 hours) |
✅ |
❌ |
Trip Cancellation & Interruption |
✅ |
❌ |
Missed Flight Connection |
✅ |
❌ |
Bounced Airline / Hotel Bookings |
✅ |
❌ |
Emergency Hotel Accommodation |
✅ |
❌ |
Hijack Distress Allowance |
✅ |
✅ |
Compassionate Visit (Family Airfare) |
✅ |
❌ |
Return of Minor Child(ren) |
✅ |
❌ |
Home Fire & Burglary Cover in India |
✅ |
❌ |
Visa Fee Refund Extension |
✅ |
❌ |
Adventure Sports Cover Extension |
✅ |
❌ |
You can purchase your travel insurance online in just a few easy steps before your trip begins.
Choose your destination, travel dates, and enter traveller details.
Compare available plans and choose the coverage that best suits your trip.
Provide the required traveller information and complete any necessary medical declarations.
Verify your identity through the required eKYC process.
Complete the payment securely and receive your policy documents instantly on your registered email
If you're admitted to a hospital during your trip, contact the emergency assistance team as soon as possible.
Step 1: Inform the emergency assistance team and share your policy and hospital details.
Step 2: The assistance team verifies your policy and medical condition.
Step 3: Once approved, they issue a Guarantee of Payment (GOP) to the hospital, confirming that eligible medical expenses will be settled directly as per your policy.
For expenses such as OPD treatment, baggage loss, passport loss, trip delays, or if cashless treatment isn't available:
1. Inform us about the incident as soon as possible.
2. Obtain any required reports (such as airline or police reports, wherever applicable).
3. Keep all bills, receipts, prescriptions, and supporting documents.
4. Submit your claim form along with the required documents.
5. Once verified, the approved claim amount will be transferred to your bank account.
Q: Does Overseas Travel Protector cover pre-existing diseases?
Yes. The policy covers life-threatening emergencies arising from pre-existing diseases, subject to the selected plan and policy terms.
Q: What happens if my return flight is delayed and my policy expires?
If your return is delayed due to specified events such as common carrier delays, natural disasters, or if you require continued medical treatment, your policy may be automatically extended, subject to the policy terms.
Q: Does the Overseas Travel Protector cover OPD treatment abroad?
Yes. The policy covers eligible outpatient medical expenses, such as doctor consultations, prescribed medicines, and diagnostic tests, as per your selected plan.
Q: What if my hotel booking is not honoured after I arrive?
If your confirmed hotel booking is not honoured due to covered reasons, the policy helps reimburse additional accommodation expenses.
Q: Will I get cashless treatment if I am hospitalized abroad?
Yes. Cashless hospitalization is available through the emergency assistance network. After your policy and medical condition are verified, a Guarantee of Payment (GOP) is issued to the hospital for eligible medical expenses.
Q: Which countries are covered under IFFCO-TOKIO Overseas Travel Protector?
The policy is available for travel to various international destinations across the world. Choose the appropriate plan based on the country or region you are visiting.
Q: Who can buy IFFCO-TOKIO Overseas Travel Protector?
Anyone travelling abroad from India can buy this policy before their trip. It is suitable for individuals, families, students, senior citizens, and business travellers.
Q: What is the age limit for IFFCO-TOKIO Overseas Travel Protector?
The policy is available for travellers from 6 months to 70 years under standard plans. Separate plans are available for senior citizens aged 71 years and above.
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(Prospectus / Sales Literature / Policy Wording /Proposal Form / Claim Form / Customer Information Sheet (CIS) etc.)
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