{"uin":"IFFTIOP27044V022627","name":"Pravasi Bharatiya Bima Yojana","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627","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":"Pravasi Bharatiya Bima Yojana covers an Indian emigrant working overseas for accidental death or permanent disability, hospitalisation and maternity expenses, repatriation, transportation of mortal remains or attendant airfare, and legal costs. Policies are available for 2 years and 3 years, and claim intimation deadlines vary by section.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:50:14.195957+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":"The documents state policy tenures and sections of cover, but do not name separate plans or variants.","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":"Policies with tenure of 2 years and 3 years are available.","display":"2 years or 3 years","note":null,"quote":"Policies with tenure of 2 years and 3 years are available.","sources":[{"clause":null,"heading":"Policy Tenure","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8497#c-policy-tenure"}],"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 personal accident, intimation about the accident or physical injury must be sent within 30 days and the claim filed within 90 days from accidental death or permanent disability. Hospitalisation outside India must be notified as soon as possible and not later than 7 days from hospitalisation; within India, planned cashless hospitalisation requires contact at least 48 hours before, emergency cashless within 24 hours, and reimbursement reporting as soon as possible or within a maximum of 24 hours of hospitalisation and at least 12 hours before discharge. Employment contingency and repatriation claims must be notified not later than 7 days from arrival back to India, and legal cost claims not later than 7 days from the event.","display":"PA: 30 days intimation and 90 days claim filing; outside-India hospitalisation: 7 days; India hospitalisation: 48 hours planned cashless, 24 hours emergency cashless, reimbursement within 24 hours and 12 hours before discharge; repatriation: 7 days from arrival back to India; legal cost: 7 days from event","note":"Any delay in notification or submission may be condoned on merit where delay is proved to be beyond the insured person’s control.","quote":"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. ... If an event of hospitalisation under this Policy, You must notify the claim to us, as soon as possible, but not later than 7 days from the date of hospitalisation. ... The Insured Person or family must contact the Third Party Administrator/Us at least 48 hours before a planned Hospitalization. In an emergency situation We/ Third Party Administrator should be contacted within 24 hours of Hospitalization. | The Insured person or family must report to us as soon as possible or within “a maximum of 24 hours of hospitalization, but in any case, 12 hours prior to insured person’s or family members’ discharge from hospital/nursing home”. ... In the event of claim under this Policy, You must notify the claim to us, as soon as possible, but not later than 7 days from the date of arrival back to India. ... If an event of claim under this Policy, You must notify the claim to us, as soon as possible, but not later than 7 days from the date of event.","sources":[{"clause":"Section 1","heading":"Personal Accident","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-1-2"},{"clause":"Section 3","heading":"Hospitalization expenses and Maternity expenses","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-3-2"},{"clause":null,"heading":"Procedure and List of Documents(wherever applicable) -Within India","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-procedure-and-list-of-documents-wherever-applica"},{"clause":"Section 4","heading":"Employment Contingencies & Repatriation Expenses","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-4-2"},{"clause":"Section 5","heading":"Legal Cost","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-5-2"}],"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":["Certification of accidental death or permanent disability leading to loss in the employment by Indian Missions and Posts abroad","Police report if recorded","Medical records giving the details of accident, nature of injury(in case of hospital visit) , date of accident and reason of disability / death (with relation to claim)","Claim Form duly filled in and signed","Cancelled cheque/ NEFT details of the beneficiary","KYC details of the insured & beneficiary","Original tickets or receipts for means of transport and conveyance","Copy of Policy Schedule.","Medical reports and discharge summary / treatment record","Original hospital bills/ medical with detailed break up and proper description of services rendered and payment receipts towards expenses incurred","Medical practitioner’s prescription advising admission","Grounds for repatriation are certified by the concerned Indian Mission/Post","Any letter or correspondence from Employer along with Service Agreement copy and air tickets along with other travel vouchers in original.","Lawyer’s Certificate and invoices."],"display":"Certification by Indian Mission/Posts or Protector of Emigrants, police report, medical records, claim form, cancelled cheque/NEFT, KYC, original tickets or receipts, policy schedule, discharge summary/treatment record, original hospital bills and receipts, admission prescription, repatriation certification, employer correspondence/service agreement, and lawyer’s certificate/invoices","note":"Documents are stated as wherever applicable and vary by claim section.","quote":"i) Certification of accidental death or permanent disability leading to loss in the employment by Indian Missions and Posts abroad.\nii) In case of accidental death/permanent disability in India, certificate from Protector of Emigrants will be accepted.\niii) Police report if recorded\niv) Detailed Sequence of events\nv) Medical records giving the details of accident, nature of injury(in case of hospital visit) , date of accident and reason of disability / death (with relation to claim) ... xi) Claim Form duly filled in and signed ... xiv) Cancelled cheque/ NEFT details of the beneficiary\nxv) KYC details of the insured & beneficiary ... i) Original tickets or receipts for means of transport and conveyance. ... ii) Copy of Policy Schedule. ... vi) Medical reports and discharge summary / treatment record issued by the hospital / medical center, or prescriptions and medical records from the medical practitioner furnishing the name of the insured, period of treatment and details of treatment rendered i.e. line of treatment and final diagnosis.\nvii) Original hospital bills/ medical with detailed break up and proper description of services rendered and payment receipts towards expenses incurred ... iii) Medical practitioner’s prescription advising admission ... ii) Grounds for repatriation are certified by the concerned Indian Mission/Post\niii) Any letter or correspondence from Employer along with Service Agreement copy and air tickets along with other travel vouchers in original. ... ii) Lawyer’s Certificate and invoices.","sources":[{"clause":null,"heading":"List of Documents (wherever applicable)","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-list-of-documents-wherever-applicable"},{"clause":null,"heading":"List of Documents (wherever applicable)","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-list-of-documents-wherever-applicable-2"},{"clause":"Section 3","heading":"Hospitalization expenses and Maternity expenses","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-3-2"},{"clause":null,"heading":"For more details refer below link","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-for-more-details-refer-below-link"},{"clause":"Section 4","heading":"Employment Contingencies & Repatriation Expenses","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-4-2"},{"clause":"Section 5(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-5-ii"}],"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 15 days from the date of submission of claim. If investigation is warranted, it must be completed not later than 30 days from the date of submission of claim, and the insurer shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","display":"15 days from submission of claim; if investigation, complete investigation within 30 days and settle/reject within 45 days from last necessary document","note":"The clause also provides penal interest for delay at bank rate plus 2%.","quote":"i. We shall settle or reject a claim, as the case may be, within 15 days from the date of submission of claim.\nii. ln the case of delay in the payment of a claim, We shall pay interest to You from the date of receipt of intimation to the date of payment of claim at bank rate** plus 2%.Such interest shall be suo-moto paid by Us.\niii. However, where the circumstances of a claim warrant an investigation during adjudication of the claim, We shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of submission of claim. ln such cases, We shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"Section 5(b)(v)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-5-b-v"}],"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 grievance, the insured may contact the insurer through the stated website, toll free number, e-mail or courier to the Chief Grievance Officer, or approach the grievance cell at any company branch. If not satisfied, the insured may contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"Contact IFFCO-Tokio by website, 1800-103-5499, support@iffcotokio.co.in, courier to Chief Grievance Officer, or branch grievance cell; if not satisfied, contact chiefgrievanceofficer@iffcotokio.co.in","note":null,"quote":"In case of any grievance, may contact Us through:\nWebsite: | https://www.iffcotokio.co.in/customer-services/grievance-redressal\nToll free: | 1800-103-5499\nE-mail: | support@iffcotokio.co.in\nCourier: | Chief Grievance Officer\nIFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon – 122001\nInsured person may also approach the grievance cell at any of the company’s branches with the details of grievance. The list of branches with addresses are available at https://www.iffcotokio.co.in/contactus?tab=branch If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in","sources":[{"clause":"Section 5(b)(v)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-5-b-v"}],"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":["bodily injury leading to Insured Person’s death or permanent disability","transporting the mortal remains of the deceased upto International Airport nearest to the address of the Insured in India or equivalent amount for local funeral abroad","additional cost of economy class return airfare for one attendant","Hospitalisation and Day Care Treatment expenses","Maternity expenses","Hospitalisation expenses of Insured’s Family members","Employment Contingencies & Repatriation Expenses","legal expenses incurred by You in any litigation expenses relating to Insured Person’s employment abroad"],"display":"Personal accident death or permanent disability; mortal remains/local funeral and attendant airfare; hospitalisation and day care; maternity; family hospitalisation in India; employment contingencies and repatriation airfare; legal costs for employment abroad litigation","note":"Family hospitalisation is payable only if a claim has been paid or liability has been admitted under Section 1.","quote":"We shall pay you or your legal representative the Sum mentioned in the Schedule in the event of bodily injury leading to Insured Person’s death or permanent disability ... We will reimburse the actual cost of transporting the mortal remains of the deceased upto International Airport nearest to the address of the Insured in India or equivalent amount for local funeral abroad. We shall also reimburse the additional cost of economy class return airfare for one attendant. ... We will pay the Reasonable and Customary Charges of Hospitalisation and Day Care Treatment expenses actually incurred but upto the limits specified in the Policy Schedule ... Part B Maternity expenses: - ... Part C Hospitalisation expenses of Insured’s Family members: - ... We will pay to You for actual one way economy class airfare upto International Airport nearest to the address of the Insured in India by the shortest direct route available to the under noted circumstances: - ... We will pay to You upto limits specified in the Schedule in connection with legal expenses incurred by You in any litigation expenses relating to Insured Person’s employment abroad.","sources":[{"clause":"Section 1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-1"},{"clause":"Section 2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-2"},{"clause":"Section 3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-3"},{"clause":"Section 4","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-4"},{"clause":null,"heading":"Legal Costs","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-legal-costs"}],"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 during the term by giving 7 days’ notice in writing. If there is no claim, the insurer refunds proportionate premium for the unexpired policy period; if there is a claim, it refunds premium for policy year(s) for which risk coverage has not commenced as on the cancellation date. All cancellations require prior approval of the P.O.E. office.","display":"7 days’ written notice; no claim: proportionate premium for unexpired policy period; with claim: premium for policy year(s) where risk coverage has not commenced; prior P.O.E. approval required","note":null,"quote":"Cancellation: You may cancel this policy at any time during the term, by giving 7 days’ notice in writing. The Insurer shall: ... a) in case of no claim, refund proportionate premium for unexpired policy period. ... b) in case of a claim, refund the premium in respect of policy year(s) for which risk coverage has not commenced as on the date of cancellation. ... All cancellations will require the prior approval of the P.O.E. office.","sources":[{"clause":"Section 5(c)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-5-c-2"},{"clause":"Section 5(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-5-a-3"},{"clause":"Section 5(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-5-b-3"}],"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":"Personal accident injury may take place anywhere in the world and this section remains valid during visits to India or any third country. Hospitalisation cover applies in India, a third country or the country of employment for the insured emigrant, maternity hospitalisation applies in India or the country of employment, and family hospitalisation applies in India.","display":"Personal accident: anywhere in the world, including visits to India or any third country; hospitalisation: India/third country/country of employment; maternity: India or country of employment; family hospitalisation: India","note":"Some benefits, such as employment contingencies, repatriation and legal costs, relate to employment abroad.","quote":"However the Accident leading to injury may take place anywhere in the world. Note:This Section shall remain valid irrespective of change of employer or the insured’s location during the policy period. The insurance shall also remain valid during visit of insured to India or any third country during the currency of insurance policy. ... In case the Insured Person sustains any Injury or contracts any Disease and upon advice of a Medical Practitioner, he/she has to incur Hospitalisation expenses in Nursing Home/Hospital in India/ third country or in the country of employment. Part B Maternity expenses: - In case a woman Emigrant incurs the Hospitalisation expenses relating to maternity in Nursing Home/Hospital in India or in the country of employment, arising out of her pregnancy. ... Part C Hospitalisation expenses of Insured’s Family members: - In case a Family member of Insured Person sustains any injury or contracts any disease, and upon advice of Medical Practitioner, any or all of them have to incur Hospitalisation expenses in a Nursing Home/ Hospital in India.","sources":[{"clause":"Section 1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-1"},{"clause":"Section 3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434#c-section-3"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":null,"quote":null,"sources":[],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 state sums insured, limits and non-payable items, but do not state a per-claim deductible or excess amount.","quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Pravasi Bharatiya Bima Yojana","pages":31,"fetched_at":"2026-10-17 19:38:48+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/health/pravasiya-bharatiya-bima-yojana-policy-wording.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8434"},{"kind":"prospectus","label":"Pravasi Bharatiya Bima Yojana","pages":18,"fetched_at":"2026-10-17 19:40:34+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/travel/pravasi-bhartiya-bima-yojna-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627/document/8497"}],"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":"Pravasi Bharatiya Bima Yojana (UIN IFFTIOP27044V022627), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/pravasi-bharatiya-bima-yojana-ifftiop27044v022627"}