{"uin":"IRDAN106P0015V01200102","name":"Travel Protector Insurance Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102","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":"2001-11-02","withdrawn_on":null,"summary":"Travel Protector Insurance Policy covers trips abroad for health expenses, baggage loss or delay, passport loss, hijack distress, financial emergency assistance, personal liability and personal accident. It has a 15-day free-look period, with thirty days for policies with term of one year or more, and does not operate beyond 125 days of continuous absence unless specifically agreed.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:47:27.30576+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":"quote-verified","value":["Specified Trip Policy","Annual Cover"],"display":"Specified Trip Policy; Annual Cover","note":null,"quote":"30 days in case of the Specified Trip Policy and 60 days in case of the Annual Cover ... same as the Period of Insurance in case of the Specified Trip Policy and in case of the Annual Cover it will be the maximum days specified per trip.","sources":[{"clause":"26(c)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-26-c-ii"},{"clause":"28","heading":"Insurance Period: It","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-28"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording says the duration is shown on the Policy Schedule, and the provided documents do not print a fixed policy term.","quote":null,"sources":[],"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, the insured person must immediately contact Paramount Health Services/ Europ Assistance, or as soon as possible if an emergency call was not possible before consulting a physician or going to hospital. Loss of passport must be reported to the Police within 24 hours of discovery, and claims for insurance benefits must be submitted not later than one month after completion of treatment or transportation home, or after transportation of mortal remains/burial in the event of death.","display":"Accident or illness: immediately contact assistance, or as soon as possible; passport loss: Police within 24 hours; claim benefits: within one month after completion of treatment/transportation home or death-related transportation/burial.","note":null,"quote":"In the event of an accident or sudden illness, You or the insured person shall immediately contact Paramount Health Services/ Europ Assistance stating the details given on the Policy. If it is not possible to make this emergency call before consulting a physician or going to the hospital, You or the insured person shall contact the Alarm Centre as soon as possible. ... The loss of passport has to be reported to the Police authority within 24 hours of discovery and an official Report has to be obtained. ... Claims for insurance benefits must be submitted to Paramount Health Services/ Europ Assistance not later than one month after the completion of the treatment or transportation home, or in the event of death, after transportation of the mortal remains / burial.","sources":[{"clause":"10(a)","heading":"Procedure in the event of an Accident or Illness","page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-10-a"},{"clause":"10(b)","heading":"Procedure in case of Loss of Baggage or Passport","page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-10-b"},{"clause":"12(I)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-12-i"}],"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":["original bills and vouchers","Bills/ vouchers/ reports/ discharge summary","Prescriptions","official death certificate and a physician’s statement","bill/ voucher and a medical statement","Police Report for Hijacking","Property Irregularity Report (P.I.R.) with ticket(s) and baggage receipt(s)","official Report with the Claim Form for loss of passport","salary / income certificate for Hospital Daily Allowance"],"display":"Original bills and vouchers; medical bills/reports/discharge summary; prescriptions; death certificate and physician statement; transportation bill and medical statement; Police Report for hijacking; P.I.R., tickets and baggage receipts for baggage; official Police Report for passport; salary/income certificate for Hospital Daily Allowance.","note":null,"quote":"The total loss of baggage caused by a carrier has to be reported to them and a Property Irregularity Report (P.I.R.) has to be obtained. Please enclose the original Report together with the ticket(s) and baggage receipt(s) alongwith the Claim Form. The loss of passport has to be reported to the Police authority within 24 hours of discovery and an official Report has to be obtained. Please enclose the original Report with the Claim Form. ... i) The original bills and vouchers must be submitted. ii) Bills/ vouchers/ reports/ discharge summary must contain the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment. Prescriptions must clearly show the medicines prescribed, the price and the receipt stamp of the pharmacy. ... iii) A claim for reimbursement of the costs of transporting home mortal remains or the costs of burial abroad must be substantiated by an official death certificate and a physician’s statement giving the cause of death. A claim for reimbursement of the costs of transportation home must be substantiated by the submission of the bill/ voucher and a medical statement indicating the illness. ... iv. It is required that for any claim under Hijacking, the incident should be confirmed by the Police. The Police Report should contain details such as the passport number of the insured person, period of hijacking. ... A claim under Hospital Daily Allowance is payable only in respect of insured person(s) between the ages of 21 – 60 years provided that they are earning which should be proved by a salary / income certificate of the insured person.","sources":[{"clause":"10(b)","heading":"Procedure in case of Loss of Baggage or Passport","page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-10-b"},{"clause":"11(b)(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-11-b-iv"},{"clause":"11(b)(vi)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-11-b-vi"}],"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":"If a claim is admissible, the insurer will make an offer of settlement or convey rejection within 30 days of receipt of all relevant documents and investigation/assessment report if required. If admitted, the claim proceeds are paid within 7 days of acceptance of the offer; delay carries interest at 2.0% above bank rate.","display":"Offer or rejection within 30 days of all relevant documents and investigation/assessment report; payment within 7 days of acceptance; delay interest 2.0% above bank rate.","note":null,"quote":"in the event of a claim, if the same is found admissible under the policy, we shall make an offer of settlement or convey the rejection of the claim within 30(thirty) days of receipt of all relevant documents and investigation/ assessment report (if required). In case the claim is admitted, the claim proceeds shall be paid within 7(seven) days of your acceptance of our offer. In case of delay in payment, we shall be liable to pay interest at a rate which is 2.0% (two percent) above the bank rate prevalent at the beginning of financial year in which the claim is received by us.","sources":[{"clause":"26","heading":"Protection of Policy Holder’s Interest","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-26-2"}],"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":"quote-verified","value":["For deductible mentioned in the Schedule except in case of Hospital Daily Allowance.","For treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.","Medical expenses / services, the need for which arises out of a pre-existing condition.","For treatment by relatives.","For rehabilitation and physiotherapy or the costs of prostheses ( artificial limbs etc.)","For any claim relating to events occurring before the commencement of the cover.","Is travelling against the advice of a physician.","Is receiving or on a waiting list for specified medical treatment declared in a physician’s report or certificate","Has received terminal prognosis for a medical condition.","Is taking part in a naval, military or air force operation.","For any claim arising out of illnesses or accidents that the insured person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).","For any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss directly or indirectly attributable to HIV","For illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, military or usurped power","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel","For any claim arising out of sporting risk in so far as they involve the training or participation in competitions of professional or semi professional sportsmen or women"],"display":"Main exclusions include deductible, travel for treatment, pre-existing-condition medical expenses, treatment by relatives, rehabilitation/prostheses, events before cover, travelling against medical advice, specified/terminal medical conditions, military operations, intentional/criminal/drunkenness/drug-related claims, mental disorder/HIV, war, nuclear risks and professional/semi-professional sporting risk.","note":null,"quote":"1. For deductible mentioned in the Schedule except in case of Hospital Daily Allowance. 2. For treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad. 3. Medical expenses / services, the need for which arises out of a pre-existing condition. ... 14. For treatment by relatives. 15. For rehabilitation and physiotherapy or the costs of prostheses ( artificial limbs etc.) ... We will not pay:\n1. For any claim relating to events occurring before the commencement of the cover.\n2. For any claim if the insured person – ... Is travelling against the advice of a physician. ... Is receiving or on a waiting list for specified medical treatment declared in a physician’s report or certificate or ... Has received terminal prognosis for a medical condition. ... Is taking part in a naval, military or air force operation.\n3. For any claim arising out of illnesses or accidents that the insured person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).\n4. For any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss directly or indirectly attributable to HIV (Human Imnuno Deficiency Virus) ... 5. For illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, military or usurped power ... Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel ... For any claim arising out of sporting risk in so far as they involve the training or participation in competitions of professional or semi professional sportsmen or women (unless declared beforehand) and necessary additional premium paid.","sources":[{"clause":"Section 1","heading":"HEALTH COVER","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-1"},{"clause":"9(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-b"},{"clause":"9(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-a-2"},{"clause":"9(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-b-2"},{"clause":"9(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-c"},{"clause":"9(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-d"},{"clause":"9(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-a-3"},{"clause":"9(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-b-3"}],"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":"First contact IFFCO-Tokio through its grievance website, toll-free number, e-mail, address or grievance cell at a branch. If not satisfied, contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"First contact IFFCO-Tokio via grievance website, 1800-103-5499, support@iffcotokio.co.in, its Gurgaon address or branch grievance cell; then chiefgrievanceofficer@iffcotokio.co.in; then Ombudsman.","note":null,"quote":"In case of any grievance, You 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\nAddress: 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 the company’s branches with the details of grievance. ... 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 ... lf insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"29","heading":"Redressal Of Grievance","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-29-2"}],"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":["HEALTH COVER","TOTAL LOSS OF BAGGAGE INCLUDING DELAY OF BAGGAGE","HIJACK DISTRESS ALLOWANCE","LOSS OF PASSPORT","FINANCIAL EMERGENCY ASSISTANCE COVER","PERSONAL LIABILITY","PERSONAL ACCIDENT"],"display":"Health cover; total loss of baggage including delay; hijack distress allowance; loss of passport; financial emergency assistance; personal liability; personal accident.","note":null,"quote":"Section 1 HEALTH COVER ... Section 2 TOTAL LOSS OF BAGGAGE INCLUDING DELAY OF BAGGAGE ... Section 3 HIJACK DISTRESS ALLOWANCE ... Section 4 LOSS OF PASSPORT ... Section 5 FINANCIAL EMERGENCY ASSISTANCE COVER. ... Section 6 PERSONAL LIABILITY ... Section 7 PERSONAL ACCIDENT","sources":[{"clause":"Section 1","heading":"HEALTH COVER","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-1"},{"clause":"Section 2","heading":"TOTAL LOSS OF BAGGAGE INCLUDING DELAY OF BAGGAGE","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-2"},{"clause":"Section 3","heading":"HIJACK DISTRESS ALLOWANCE","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-3"},{"clause":"Section 4","heading":"LOSS OF PASSPORT","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-4"},{"clause":"Section 5","heading":"FINANCIAL EMERGENCY ASSISTANCE COVER.","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-5"},{"clause":"Section 6","heading":"PERSONAL LIABILITY","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-6"},{"clause":"Section 7","heading":"PERSONAL ACCIDENT","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-7"}],"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":"The policyholder may cancel at any time during the term by giving 7 days notice in writing. The insurer refunds proportionate premium for the unexpired period for policies up to one year if no claim was made, and refunds premium for the unexpired policy period for policies over one year if risk coverage for those policy years has not commenced.","display":"Cancel with 7 days notice; refund proportionate premium for unexpired period for term up to one year if no claim; for term over 1 year, refund unexpired policy period where risk coverage has not commenced.","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall ... a) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... b) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"13","heading":"Cancellation","page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-13-2"},{"clause":"13(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-13-a"},{"clause":"13(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-13-b"}],"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":"not-stated","value":null,"display":null,"note":"The wording says cover applies in foreign countries stated in the Policy Schedule, except countries of citizenship or permanent residence; the schedule/list of countries is not in the provided documents.","quote":null,"sources":[],"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":"If the insured person falls ill, contracts any disease or sustains an accident abroad during the period of insurance, the policy reimburses costs incurred for medically necessary treatment during a temporary stay abroad, less the deductible stated in the Schedule. The wording does not print the monetary medical-expenses limit.","display":"Medical expenses for medically necessary treatment during a temporary stay abroad, less deductible stated in the Schedule; monetary limit not printed in the wording/prospectus.","note":"The deductible and limit are schedule-based; no fixed medical-expenses amount is printed in the provided wording or prospectus clauses.","quote":"If the insured person falls ill or contracts any disease or sustains an accident whilst abroad during the Period of Insurance, then We will reimburse the following costs: 1. Medical Expenses: Costs incurred for medically necessary treatment during a temporary stay abroad less the deductible stated in the Schedule. Within the meaning of these coverages, treatment is deemed to include only the following : (a) Out patient treatment. (b) In patient treatment in a local hospital at the place the insured person is staying or at the nearest suitable hospital.","sources":[{"clause":"Section 1","heading":"HEALTH COVER","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-1"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Life saving unforeseen emergency measures, or measures solely designed to relieve acute pain, for disease/accident consequences arising out of a pre-existing condition are covered. Other medical expenses/services arising out of a pre-existing condition are excluded, and this emergency cover does not include transportation under the Health Cover transportation item.","display":"Emergency life-saving or acute-pain measures from a pre-existing condition are covered; other pre-existing-condition medical expenses/services and transportation are not.","note":null,"quote":"(h) Life saving unforeseen emergency measures or measures solely designed to relieve acute pain provided to the insured person by medical assistance for disease / accident including their consequences arising out of a pre-existing condition. This coverage is specifically subject to General Exclusions (2) of this Policy and will not include “Transportation” described in Item 3 of “What Is Covered” of Section 1 of the Health Cover of this Policy. ... 3. Medical expenses / services, the need for which arises out of a pre-existing condition.","sources":[{"clause":"Section 1","heading":"HEALTH COVER","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-1"}],"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 provided wording and prospectus clauses do not state a trip cancellation or curtailment benefit.","quote":null,"sources":[],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"The policy reimburses total loss of baggage caused by a carrier up to the limits stipulated in the Schedule. It also pays up to the Schedule limit for necessary emergency purchases if checked baggage is delayed more than 12 hours from the scheduled arrival time, with written proof of delay and receipts; a delay claim is offset against total loss of baggage.","display":"Total loss of baggage by carrier up to Schedule limits; delay cover for emergency purchases if checked baggage is delayed more than 12 hours, with carrier proof and receipts.","note":"The monetary baggage limits are schedule-based and are not printed in the provided wording/prospectus clauses.","quote":"We will reimburse for total loss of baggage caused by a carrier ( i.e. airline, coach operator, ferry company etc.) up to the limits stipulated in the Schedule provided that: ... Additional Benefits: (Delay of Baggage) We will pay up to the limit of cover shown in the Schedule for costs of necessary emergency purchases ... a) The delay of baggage is more than 12 hours from the scheduled arrival time at the destination and relates to delivery of baggage that has been checked in by the carrier.\nb) You give Us written proof of delay from the carrier.\nc) You give Us the receipts of the essential personal items You buy.\nd) Any claim under this additional benefit will be offset against any claim payable under Total Loss of Baggage.","sources":[{"clause":"Section 2","heading":"TOTAL LOSS OF BAGGAGE INCLUDING DELAY OF BAGGAGE","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-2"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"If the insured person's passport is lost, the policy reimburses actual expenses necessarily and reasonably incurred to obtain a duplicate or fresh passport, up to the limit stipulated in the Policy Schedule.","display":"Actual expenses to obtain a duplicate or fresh passport, up to the Policy Schedule limit.","note":"The monetary passport-loss limit is schedule-based and is not printed in the provided wording/prospectus clauses.","quote":"In the event that the passport belonging to the insured person is lost, We will pay up to the limit stipulated in the Policy Schedule for the reimbursement of actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport.","sources":[{"clause":"Section 4","heading":"LOSS OF PASSPORT","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-section-4"}],"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 wording refers to the deductible stated or mentioned in the Schedule, including per insured event for personal liability, but the provided documents do not print an 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":"This insurance does not operate beyond a period of 125 days of continuous absence from the Republic of India unless specifically agreed by the insurer.","display":"125 days of continuous absence from India unless specifically agreed.","note":null,"quote":"This insurance does not operate beyond a period of 125 days of continuous absence of the insured person from the Republic of India unless specifically agreed to by Us.","sources":[{"clause":"23","heading":null,"page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-23-2"}],"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":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days; thirty days for policies with term of one year or more","note":"Thirty days applies in case of policies with term of one year or more.","quote":"You will be allowed a period of at least 15 (fifteen) days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable stating the reasons therein for doing so. ... You/the insured shall be allowed a period of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable(This option is available in case of policies with term of one year or more.","sources":[{"clause":"9(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-a-5"},{"clause":"9(IV)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436#c-9-iv"}],"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 provided documents do not print an overall youngest and oldest entry age for buying the travel policy. They contain age limits for some benefits or sections only, such as the Personal Accident section and Hospital Daily Allowance.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Travel Protector Insurance Policy","pages":19,"fetched_at":"2026-10-17 19:38:42+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/download_forms/travel-protector-policy-wording.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8436"},{"kind":"prospectus","label":"Travel Protector Insurance Policy","pages":13,"fetched_at":"2026-10-17 19:40:44+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/travel/travel-protector-prospectus-updated.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102/document/8500"}],"versions":[{"uin":"GEN044","version":null,"approved_on":null},{"uin":"IRDAN106P0015V01200102","version":null,"approved_on":null}],"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":"Travel Protector Insurance Policy (UIN IRDAN106P0015V01200102), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/travel-protector-insurance-policy-irdan106p0015v01200102"}