IFFCO Tokio

Car insurance, also known as auto or motor insurance, is a financial safety net that protects you and your vehicle from unexpected events like accidents, theft, fire, and natural or man-made disasters.

In India, having at least third-party car insurance is mandatory as it safeguards you from third-party liabilities but a comprehensive car insurance enhances your coverage with:

1. Financial Protection for Own Damage
2. Option to Customize Plan
3. Choice of Add-ons
4. Nationwide Roadside Assistance

Comprehensive Car Insurance Policy

A one-stop solution, providing complete protection for your car from personal damage and third-party liabilities.

Policy Highlights

1. Complete coverage (own damage plus third-party liability)
2. Choice of add-ons
3. Customization of car value (IDV)
4. Quick claim settlement
5. Cashless claims

Third-Party Car Insurance Policy

A basic coverage plan safeguarding your vehicle from third-party liabilities only.

Policy Highlights

1. Mandatory by law
2. Only third-party liabilities covered
3. No coverage for own damage
4. No hefty fines levied if valid policy in place

Add-ons: Boost Your Car Insurance Coverage

Depreciation Waiver Cover (Zero Depreciation Cover)
Also known as bumper-to-bumper cover, you receive the complete compensation for car damages without considering its depreciated value of parts at the time of a claim.<

1. Roadside Assistance: Get access to quick mechanical assistance for battery jumpstart, towing facility, flat tyre replacement etc.
2. Engine and Gear Box Protection cover: Get added safety for your Engine and Gear Box with coverage for water ingression and oil leakage-related damage.
3. Consumable Cover: Pays for consumable parts like nut and bolt, grease etc, which aren’t covered in a standard car insurance policy.
4. Loss of Key Cover: Get covered for expenses occurring due to the repair or replacement of car keys.
5. Tyre Replacement Cover: Covers cost of repair or replacement of tyre unfit for use due tyre bursts, bulges, puncture, cuts, or even due to continuous use in deflated condition.

Exclusions: What is Not Covered Under the Car Insurance Policy

1. Substance use:  If you get into an accident because of alcoholism or drugs, such events will not be covered under your car insurance plan.
2.   Driving outside India:  If you are driving outside the Indian region and any mishap occurs, that loss or damage will not be covered.
3.   Illegal Driving:  Driving without a valid Driving License or indulging in speed racing, crash testing, etc., is not covered.
4.   Wear and tear:  Normal wear and tear that occurs with time is not covered.
5.   War:  Any damage caused to your car due to war, nuclear risk, or civil war-like situations will not be covered under your car insurance plan.

Insurance is the subject matter of solicitation. T&C apply.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
IRDAI registration number: 106, dated 4-12-2000, CIN: U74899DL2000PLC107621
© Copyright 2020 IFFCO-Tokio General Insurance Company Limited

What is Bank Locker Policy?

A bank locker policy is an insurance plan that keeps your valuables safe when you store them in a bank locker.
IFFCO-TOKIO offer India’s first comprehensive Bank Locker policy that secures the contents of a bank locker, including jewellery and other documents like passport or certificates from the potential risk of burglary, theft, fire or natural calamity. The policy offers all-round protection with coverage ranging from Rs 3 lakh to Rs 50 lakh & above.

1. Standalone Policy
2. Comprehensive Coverage
3. Enhanced Protection
4. Easy Process
5. Seamless Claim Settlement

Key Features of Bank Locker Policy from IFFCO -TOKIO

1. Jewellery Protection: Coverage is provided for jewellery and other valuables kept in a bank locker.
2. Document Security: It also offers an add-on cover to insure important documents kept in a bank locker.
3. High Sum Insured: The policy offers seven options of the sum insured ranging from Rs 3 lakh to Rs 50 lakh and above.
4. Simple Process: The process to buy is simple and easy. Needs a self-declaration up to a specified limit.
5. Hassle- Free Claims: The claim process is smooth and hassle-free requiring basic documents.
6. Group Policy: The policy can be sold both as a retail and a group policy for banks.
7. Standalone Policy: A standalone policy for complete coverage of valuables in your bank locker.

Inclusions: Coverage offered by our Bank Locker Policy

IFFCO Tokio’s Bank Locker insurance covers the contents of bank locker in the following scenarios-

1. Accidental Loss or Damage: Coverage for loss or damage to the contents of your bank locker either by accident, fire or natural disaster.
2. Burglary: Secures your valuables against the risk of theft or forced break-ins to ensure financial security.
3. Employee Dishonesty: Loss of bank locker content due to act of dishonesty or fraud on part of bank employees is also covered.
4. Acts of Terrorism: Extreme situations like terrorist activities are covered to safeguard your valuable from loss and damage.

Add-Ons: Extended Coverage

1. Share and stock certificates, deposit receipts.
2. Insurance policy.
3. Title deeds, plans, and manuscripts.
4. Passport.
5. Other personal records and certificates.

Exclusions: What's Not Covered by our Bank Locker Policy

1. War Risk: Damage as a consequence of war.
2. Confiscation: Damage due to order of any Government or lawfully constituted authority.
3. Wilful Act or Gross Negligence: Losses due to negligence or wilful act.
4. Nuclear Risk: Damaged caused due to nuclear radiations.
5. Existing Damage: Damage occurring before cover commences under the Policy.
6. Undeclared: Any excess mentioned in the policy schedule.
7. Loss of Cash: Any claim for loss of currency or cash.
8. Unexplained loss: Unexplained loss or mysterious disappearance from the locker.
9. Accounting Errors: Any loss in value or loss due to accounting errors or omission.
10. Documents Misuse: Any claim due to unauthorized use of the documents.

Insurance is the subject matter of solicitation. T&C apply.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
IRDAI registration number: 106, dated 4-12-2000, CIN: U74899DL2000PLC107621
© Copyright 2020 IFFCO-Tokio General Insurance Company Limited

Marine cargo insurance is a policy that protects goods shipped by sea, air, or land against loss, damage, or theft during transit. It provides financial compensation to the insured party (shipper, importer, or exporter) in case of unfortunate events.
If you are a cargo owner, you are at risk of mishandling the cargo at any stage, i.e., from handling at the terminal or during the voyage. This may result in loss, misplacement, or damage to the goods. Therefore, to protect your interest as the cargo owner, marine cargo insurance will cover your losses against an adequate premium payment.

Mode of transits covered:

The Marine Policy covers Transits by-

1. Sea
2. Air
3. Road or rail
4. Registered Post or Parcel
5. Courier
6. Or any combinations of the above

Key Benefits of Marine Cargo Insurance

1. Comprehensive coverage: Covers goods from the moment they leave the warehouse until they reach the final destination.
2. Risk management: Mitigates financial risks associated with Insured trade, including damage from accidents, natural disasters, or theft.
3. Legal requirement: Often required by international trade laws, Customs, Banks or contracts to protect all parties interest involved.
4. Customizable policy: Tailored to specific needs, such as coverage for perishable goods, high-value items, or specific transit routes.

Types of Marine Cargo Insurance Policies

Marine Insurance – Open Policy

Marine open Policy provide continuous coverage for the shipment of goods. A Marine Open policy covers all shipments within a specified period, typically a year. Insured does not need to take specific policy for all his transits, as all his shipments will be automatically covered during a year in open policy. It is a condition of Open policy that Insured must declare each of his shipment to Insured at any specific date of subsequent month.
Premium paid under the policy typically adjusted based on the value of shipment declared during the Policy period.

Coverage:

1. Insured can opt All Risk coverage as per ICC A (Institute Cargo Clause A All Risk) for Import, export and oversea transits. For Domestic transit Insured can opt Inland Transit Clause (ITC A All Risk). Both ICC A and ITC A Risks Clauses have some general Exclusions
2. If Insured want pay lesser premium for same risk, they have an option to select Basis Covers, ITC B for Domestic and ICC B for Oversea transits. Basis Cover consists of few Named Perils with some general Exclusions
3. Addition covers Insured can opt are as below
4. War & SRCC (Import & Export)
5. SRCC (Inland Transit)

Marine Insurance – Specific Policy

Marine specific policy provides coverage for a single shipment or a specific voyage. Marine specific policies are typically used when insured has irregular shipping need or high value shipments. This Policy covers goods from the point of origin to the final destination. Coverage is typically limited to duration of the Voyage, from when the goods leaves the warehouse

Coverage:

1. Insured can opt All Risk coverage as per ICC A (Institute Cargo Clause A All Risk) for Import, export and oversea transits. For Domestic transit Insured can opt Inland Transit Clause (ITC A All Risk). Both ICC A and ITC A Risks Clauses have some general Exclusions
2. If Insured want pay lesser premium for same risk, they have an option to select Basis Covers, ITC B for Domestic and ICC B for Oversea transits. Basis Cover consists of few Named Perils with some general Exclusions
3. Addition covers Insured can opt are as below
4. War & SRCC (Import & Export)
5. SRCC (Inland Transit)

Exclusions: Applicable to all policies

1. Loss or Damage caused by intentional misconduct of the Insured
2. Natural loss or wastage during transit, such as minor leaks
3. Deterioration due to normal wear and tear
4. Loss or damage caused by the inherent nature or condition of goods
5. Any Loss or damage caused by delays in transit
6. Loss or Damage resulting from Unfitness of vessel or craft
7. Nuclear weapons

Insurance is the subject matter of solicitation. T&C apply.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
IRDAI registration number: 106, dated 4-12-2000, CIN: U74899DL2000PLC107621
© Copyright 2020 IFFCO-Tokio General Insurance Company Limited

Health insurance, also known as medical insurance, is your ultimate safety shield, safeguarding you and your loved ones from unforeseen medical emergencies.
This health insurance covers:

1. Hospitalization Expenses
2. Day-care Treatments
3. Pre-& Post-Hospitalization
4. Critical Illness Coverage
5. Tax Benefits
6. Wellness Benefits

Family Health Insurance

A Family Health Insurance Plan is like an umbrella that safeguards your entire family against any medical emergencies.
Our family health insurance plan offers coverage for pre- and post-hospitalization medical check-ups, hospital bills, scans, diagnostics, and many other medical expenses. Breathe easy knowing your loved ones are covered! With a family health insurance plan, you've got a safety net in place for unexpected medical bills.

How Does Family Health Insurance Work?

Family Health Insurance also known as a ‘Floater Plan', is like an umbrella that protects your whole family under one policy only. The sum insured is shared among all the insured family members and can be used when the need arises.

Benefits of Family Health Insurance Plan

Many people question the value of family health insurance. The answer is simple: Family health insurance plans provide comprehensive medical coverage for your entire family, safeguarding them from a wide range of health issues. But that's not all! Family health insurance offers additional benefits that go beyond just financial protection in case of an emergency. Keep reading to explore the advantages of having a family health insurance plan.

Comprehensive Family Coverage-

A single plan protects your entire family (spouse, children) against medical emergencies and gives financial protection to the whole family under one plan.

Higher sum assured

As compared to an individual health insurance policy, family plans have a much higher sum insured. This ensures a higher level of protection for your loved ones.

Cost-Effective

Premiums are generally lower for family health insurance plans compared to buying individual plans for each family member.

Convenience

It is easy to manage one plan for the whole family as it simplifies the renewal and claim processes.

Financial Security

In case of medical emergencies, this plan protects your savings from being wiped out by unexpected medical bills for any of the insured family members.

Tax Benefits

You can avail of tax deductions on premiums paid for family health insurance and save up to ₹ 1,00,000 under Section 80D of the Income Tax Act.

Peace of Mind

Knowing your family is protected from medical expenses provides peace of mind and allows you to focus on their well-being rather than stressing about the uncertainties of life.

Flexible

You can easily include new members of your family in the family medical insurance plan. You don’t have to go through too many formalities, and it’s much simpler than getting a new individual plan.

Wellness Program Offered with Our Health Insurance Plans

You can add a Wellness Program to your health insurance, which includes the following services :

Value Added Services :

1. Cashless Tele Health Consultation
2. Mental Health Helpline
3. Medical Second Opinion
4. Diet Management
5. Calorie trackers & Sleep Tracker
6. Fitness & Yoga Session
7. Guided Meditations and Mental Health Podcasts
8. Online Health Quiz, Expert Webinars

• Discount on Services :

1. E-pharmacy
2. Health check-ups and Diagnostics
3. Dental & Home Care
4. Nutritional Counselling
5. Financial & legal Wellness Consults
6. Metabolic Profiling for personalized recommendations

Rewards :

o We are providing redeemable points for participation in healthy habits like Yoga, Gym Swimming, Diet plan, Meditation, Preventive Check-ups, and Disease Management Plan etc..

Insurance is the subject matter of solicitation. T&C apply.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
IRDAI registration number: 106, dated 4-12-2000, CIN: U74899DL2000PLC107621
© Copyright 2020 IFFCO-Tokio General Insurance Company Limited

Find Your Perfect Home Insurance Coverage

When it comes to securing your home and belongings, there should be no compromise. Our comprehensive home insurance offers wide coverage against major risks like fire, floods, theft, and more.
Whether it’s your house structure or valuable contents, this policy ensures financial protection during unexpected events.

1. Flexible Sum Insured
2. Home Building Coverage
3. Covers Home Contents
4. Choice of Add-ons
5. PAN India Coverage
6. Affordable Premium

Key Features of IFFCO-TOKIO Comprehensive Home Insurance

1. Flexible Sum Insured: Choose from a wide range of coverage options to suit your needs.
2. Comprehensive Risk Coverage: Covers both Home Building and Home Contents
3. Optional Add-ons: Tailor your policy with a range of add-ons for broader coverage.
4. Alternative Accommodation Cover: Get compensated if you need to rent another place while your home is repaired.
5. Automatic Restoration of Sum Insured: After every claim, cover is reinstated without compromising your protection.
6. Additional Benefits at No Extra Cost: Architect’s fees, debris removal costs, and surveyor's fees included.

Inclusions: Coverage Offered by Our Home Insurance Plan

1. Fire
2. Burglary, Theft & Allied perils
3. All risk –Jewellery, other valuable & Fine Arts
4. Fixed Glass and Sanitary Fittings
5. Break down of domestic appliance cover
6. Portable Electronic Devices cover
7. Bicycle cover
8. Personal Accident
9. Loan Payment Protection
10. Baggage
11. Liability Cover (Personal, Employee compensation & Tenant’s Liability)
12. Increased living expenses

Add-ons Available:

Perils Cover (for both structure and contents)
- Includes Storm, Flood, Earthquake, Tsunami, Lightning, Explosion, Act of Terrorism, Bush Fire, Impact Damage

Theft Cover Add-ons

- Includes Replacement of Locks, Wedding benefits, Pet cover, money documents and cards

Exclusions (What's Not Covered):

1. Damage due to War, Civil War, Rebellion
2. Confiscation by government authority
3. Wilful misconduct or negligence
4. Nuclear incidents
5. Wear and Tear, gradual deterioration
6. Consequential Loss (e.g., business interruption)
7. Damage prior to the policy start date
8. Mismatch Replacement

Insurance is the subject matter of solicitation. T&C apply.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
IRDAI registration number: 106, dated 4-12-2000, CIN: U74899DL2000PLC107621
© Copyright 2020 IFFCO-Tokio General Insurance Company Limited