{"uin":"IFFTIOP22219V012122","name":"Overseas Pravasi","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Overseas Pravasi is a travel and overseas employment policy for Indian emigrants going abroad on employment visa. It offers 2 years/ 3 years tenure with listed covers including Personal Accident of ₹ 50,00,000/- and Hospitalization expenses of ₹1,00,000.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:50:57.498974+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are listed in the documents.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The period of insurance is for a minimum period of two/ three years, as opted by the insured and shown in the policy schedule.","display":"Minimum period of two/ three years, as opted","note":null,"quote":"It means the period from the commencement to the end of the insurance cover and this duration is for a minimum period of two/ three years, as opted by the Insured and shown on the Schedule of the Policy.","sources":[{"clause":"19","heading":"Period of Insurance","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-19"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For accident or sudden illness, contact the insurer immediately, but not later than 14 days from the accident for accident claims and within 7 days from hospitalisation for hospitalisation claims. Section 1 also says accident/physical injury intimation within 30 days and claim filing within 90 days for accidental death or permanent disability.","display":"Immediately; accident claims within 14 days, hospitalisation claims within 7 days. Section 1 also says accident/physical injury intimation within 30 days and claim within 90 days.","note":"The 14-day accident intimation condition and the 30-day Section 1 accident/physical injury intimation condition both appear in the wording.","quote":"In the event of an accident or sudden illness, You or the Insured Person shall immediately contact Our office stating the details given on the Policy, but not later than 14 days from date of Accident in case of Accident claims and/or within 7 days from the date of Hospitalisation in case of Hospitalisation claims. ... In such cases, intimation about the accident/ physical injury will be sent to Us within 30 days from the date of such accident/ physical injury. Further, claim has to be filed within 90 days from the date of accidental death/ permanent disability.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":25,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-general-conditions"},{"clause":"Section 1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-section-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Passport copy","Copy of employment contracts","Discharge Summary","Hospital Bill & Receipt (Original Only)","Investigation Reports with supporting prescriptions, certificates","Investigation Bills (Original Only)","Pharmacy Bills (Original Only) with supporting prescriptions","Bills including the relevant stickers for Implants","All previous treatment papers related to Ailment of last 4 years","Police Report","Post Mortem Report, if conducted","Death Certificate","Report from Indian Mission/Post abroad","Medical Reports of the treatment undergone and disability certificate from the Medical Practitioner.","Original air ticket/ travel vouchers with Boarding pass","Certificate from Indian Mission/Post abroad mentioning the grounds of termination/repatriation."],"display":"Passport copy, employment contracts, hospital bills and records, investigation/pharmacy bills, previous treatment papers, police/death/post-mortem/mission reports, disability certificate, tickets and certificates for section-specific claims","note":"Section-wise claim documents vary by cover.","quote":"In the event of a claim, Insured person/ claimant shall submit the below documents in addition to the section wise documents as mentioned below:\n• Passport copy\n• Copy of employment contracts. If there is a change in the employment, copy of all the employment contracts during the currency of the policy. ... i. Discharge Summary\nii. Hospital Bill & Receipt (Original Only) ... iii) Investigation Reports with supporting prescriptions, certificates ... iv) Investigation Bills (Original Only) ... v) Pharmacy Bills (Original Only) with supporting prescriptions ... vi) Bills including the relevant stickers for Implants ... vii) All previous treatment papers related to Ailment of last 4 years. ... a) Police Report,\nb) Post Mortem Report, if conducted\nc) Death Certificate\nd) Report from Indian Mission/Post abroad ... a) Medical Reports of the treatment undergone and disability certificate from the Medical Practitioner. ... a) Original air ticket/ travel vouchers with Boarding pass ... d) Certificate from Indian Mission/Post abroad mentioning the grounds of termination/repatriation.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":25,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-general-conditions"},{"clause":"2(c)(ii)","heading":"Hospitalisation Claims","page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-ii"},{"clause":"2(c)(iii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-iii"},{"clause":"2(c)(iv)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-iv"},{"clause":"2(c)(v)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-v"},{"clause":"2(c)(vi)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-vi"},{"clause":"2(c)(vii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The insurer shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is needed, it shall complete investigation within 30 days from receipt of the last necessary document and settle or reject within 45 days; delay attracts interest at 2% above the bank rate.","display":"30 days from last necessary document; 45 days if investigation is warranted; delay interest 2% above bank rate","note":null,"quote":"We shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in Our opinion, We shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, We shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... ln case of delay beyond stipulated 45 days, We shall be liable to pay interest to the policyholder at a rate 2% above the bank rate** from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"2(c)(iii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-iii-2"},{"clause":"2(c)(iv)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-iv-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, contact the insurer through its grievance redressal website, toll free number, support email, courier to the Chief Grievance Officer, or a branch grievance cell. If not satisfied, contact chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"Website, toll free 1800-103-5499, support@iffcotokio.co.in, Chief Grievance Officer/courier or branch; if not satisfied, chiefgrievanceofficer@iffcotokio.co.in, then Ombudsman","note":null,"quote":"In case of any grievance, the insured person may contact Us through:\nWebsite: https://www.iffcotokio.co.in/customer-services/grievance-redressal Toll free: 1800-103-5499\nE-mail: | support@iffcotokio.co.in\nCourier : Chief Grievance Officer IFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon - 122001 Insured person may also approach the grievance cell at any of Our branches with the details of grievance. ... insured | person | may | contact | the | grievance | officer | at\nchiefgrievanceofficer@iffcotokio.co.in ... the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":null,"heading":"24.Provision for Senior Citizens","page":34,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-24-provision-for-senior-citizens"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Personal Accident","Transportation and Airfare for Attendant","Hospitalization expenses","Maternity Expenses","Hospitalisation Expenses of Insured’s family members in India","Employment Contingencies Expenses","Repatriation Expenses","Legal Costs","Loss of Passport","Kidnap, Ransom and Extortion","House Burglary Insurance","Education Grant for Children","Cremation Ceremony","Daily Allowance in Case of hospitalization","Unpaid Salary Coverage"],"display":"Personal accident, transportation/airfare for attendant, hospitalisation, maternity, family hospitalisation in India, employment contingencies, repatriation, legal costs, passport loss, kidnap/ransom/extortion, house burglary, education grant, cremation, daily hospital allowance and unpaid salary","note":"The wording sets out the same covers in separate sections; the prospectus coverage summary states the cover names and limits together.","quote":"SECTION | POLICY COVERAGE | SUM INSURED/ LIMIT\n1. | Personal Accident | ₹ 50,00,000/-\n2. | Transportation and Airfare for Attendant | ₹ 15,000/-\n3. | Hospitalization expenses | ₹1,00,000\n4. | Maternity Expenses | ₹ 1,00,000\n5. | Hospitalisation Expenses of Insured’s family members in India | ₹ 1,00,000\n6. | Employment Contingencies Expenses | Part A – Employment Contingencies Expenses - ₹ 15,000/- Part B - Reimbursement of Termination Compensation - ₹ 2,00,000/-\n7. | Repatriation Expenses | ₹ 30,000\n8. | Legal Costs | ₹ 50,000\n9. | Loss of Passport | ₹ 10,000\n10. | Kidnap, Ransom and Extortion | ₹ 1,00,000\n11. | House Burglary Insurance | ₹ 50,000\n12. | Education Grant for Children | ₹ 2,00,000\n13. | Cremation Ceremony | ₹ 20,000\n14. | Daily Allowance in Case of hospitalization | ₹ 5,000\n15. | Unpaid Salary Coverage | Actuals","sources":[{"clause":null,"heading":"COVERAGE SUMMARY","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8502#c-coverage-summary"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by written notice by registered post. Refund is 50% of annual premium rate up to 1/4th of the total coverage period, 25% up to 1/2nd, and NIL after more than 1/2nd, except where a claim has been preferred; cancellations require prior approval of the concerned area P.O.E.","display":"50% up to 1/4th of coverage period; 25% up to 1/2nd; NIL after more than 1/2nd, if no claim; prior P.O.E. approval required","note":null,"quote":"You may cancel the Policy by sending written Notice to Us under Registered Post. We will then allow a refund on following scale, except in cases where a claim has been preferred on Us under the current Policy:\nPeriod of Cover upto | Refund of Annual Premium rate(%)\nUpto 1/4th of the total coverage period | 50%\nUpto 1/2nd of the total coverage period | 25%\nMore than 1/2nd of the total coverage period | NIL\nAll cancellations will require the prior approval of the concerned area P.O.E.","sources":[{"clause":"2(c)(vii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-2-c-vii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy is for emigrants going to overseas countries on employment visa. The insurance remains valid during visits to India or any third country during the policy period, and an accident leading to injury may take place anywhere in the world.","display":"Overseas employment; valid during visits to India or any third country; accident may take place anywhere in the world","note":null,"quote":"The Policy covers only those Emigrants who have availed this Policy before leaving India and/ or going to overseas countries on employment visa under Emigration Act,1983. ... The insurance shall also remain valid during the visit of Insured to India or any third country during the currency of Insurance policy. ... However, the Accident leading to injury may take place anywhere in the world.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":25,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-general-conditions"},{"clause":"19(b)","heading":"Validity of the Insurance Cover","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-19-b"},{"clause":"Section 1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-section-1"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"Hospitalization expenses are covered when the insured sustains injury or contracts disease and, on medical advice, incurs hospitalisation expenses in India or in the country of employment. The prospectus coverage summary states the limit as ₹1,00,000.","display":"Hospitalization expenses in India or country of employment, limit ₹1,00,000","note":"The limit is stated in the prospectus coverage summary; the wording says the limit is as specified in the Policy Schedule.","quote":"Hospitalization expenses: - In case the Insured Person sustains any Injury or contracts any Disease and upon advice of a Medical Practitioner, he/she has to incur Hospitalization expenses in Nursing Home/Hospital in India or in the country of employment. ... 3. | Hospitalization expenses | ₹1,00,000","sources":[{"clause":"Section 3","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-section-3"},{"clause":null,"heading":"COVERAGE SUMMARY","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8502#c-coverage-summary"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing disease expenses and direct complications are excluded until 48 months of continuous coverage from the first policy inception. After 48 months, cover is subject to the pre-existing disease having been declared at application and accepted by the insurer.","display":"Excluded for 48 months; after 48 months subject to declared at application and accepted","note":null,"quote":"Pre-Existing Diseases(Code- Excl01) a) Expenses related to the treatment of a pre-existing Disease (PED) and its ... direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us. ... Coverage under the policy after the expiry of 48 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by us.","sources":[{"clause":"Section 3","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-section-3"},{"clause":null,"heading":"Modern Treatment Methods and Advancement","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-modern-treatment-methods-and-advancement"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"not-stated","value":null,"display":null,"note":"The documents do not state cover for refund of non-refundable trip cancellation or curtailment costs.","quote":null,"sources":[],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"not-stated","value":null,"display":null,"note":"The documents do not state cover for checked baggage loss or delay.","quote":null,"sources":[],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The policy pays actual expenses necessarily and reasonably incurred for obtaining a duplicate or fresh passport if it is lost or damaged due to accident or misfortune in the course of employment abroad, up to the limit. The prospectus coverage summary states the Loss of Passport limit as ₹ 10,000.","display":"Actual expenses for duplicate or fresh passport, limit ₹ 10,000","note":"The limit is stated in the prospectus coverage summary; the wording says the limit is as specified in the Schedule.","quote":"We will pay to You upto the Limit specified in the Schedule, for the actual expenses necessarily and reasonably incurred, in connection with obtaining a duplicate or fresh Passport in the event of it being lost or damaged, due to accident or misfortune in the course of his employment abroad. ... 9. | Loss of Passport | ₹ 10,000","sources":[{"clause":"Section 9","heading":null,"page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-section-9"},{"clause":null,"heading":"COVERAGE SUMMARY","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8502#c-coverage-summary"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"not-stated","value":null,"display":null,"note":"The documents do not state a per-claim deductible amount.","quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"The product states policy tenure of 2 years/ 3 years. Cover terminates at the policy expiry date, at the end of the employment contract, or if the insured person comes back to India finally before the employer contract ends.","display":"Policy Tenure – 2 years/ 3 years; cover ends at expiry, employment contract end or final return to India","note":"No separate single-trip or multi-trip day limit is stated.","quote":"Policy Tenure – 2 years/ 3 years ... The Insurance Cover terminates (i) with the end of the expiry date as specified in the Policy Schedule or (ii) with the end of the employment contract with the Employer for whom he/she had gone abroad. Moreover, if the insured person comes back to India finally, even before the expiry of Contract period with the employer, the coverage of policy will also expire.","sources":[{"clause":null,"heading":"COVERAGE SUMMARY","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8502#c-coverage-summary"},{"clause":"19(c)","heading":"End of the Insurance Cover","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441#c-19-c"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The documents state eligibility by emigrant/employment visa status, but do not state youngest and oldest entry age for the insured person.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Wording Overseas Pravasi","pages":42,"fetched_at":"2026-10-17 19:38:53+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/download_forms/wording-overseas-pravasi.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8441"},{"kind":"prospectus","label":"Prospectus Overseas Pravasi","pages":21,"fetched_at":"2026-10-17 19:40:39+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/travel/prospectus_overseas_pravasi.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122/document/8502"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.iffcotokio.co.in/contact-us/customer-services/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew policy","url":"https://www.iffcotokio.co.in/renew-policy","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Overseas Pravasi (UIN IFFTIOP22219V012122), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/overseas-pravasi-ifftiop22219v012122"}