Claim Process - IFFCO Tokio General Insurance

  1. Intimation
  2. Compilation/ Submission of claim file 

How to intimate travel claim with IFFCO Tokio General Insurance

In an event, you or the insured person shall immediately contact Paramount Health Services.
E-Mail
travelhealth@phmglobal.com
Claim Helpline
1800-103-5499
Nearest Branch

Details required for Registration/ Intimation of Claim

To register a claim/seek assistance through the above contact points, the following information has to be provided to the customer support executive:-
  • Specification of claim
  • Address
  • Telephone number

Points to Remember

  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.
  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.

The claim file has to be submitted at the below mentioned addresses within 30 days of the event.

The claim file has to be submitted at the below mentioned addresses within 30 days of the event.
Courier Address
Corporate Office, IFFCO Tower, Plot No. 3, Sector 29, Gurgaon, 122001, Haryana(India)




List of Documents

  • The original bills and vouchers must be submitted.
  • 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. In the case of dental treatment, the bills / vouchers / reports must give the details of the tooth treated and the treatment performed.
  • 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. The medical statement should certify the medical necessity of the transportation. Medical statements from relations or spouses will not be accepted.
  • 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. In rare cases, We may consider other supporting documents such as Report issued by the airlines, newspaper reports, TV and other media coverage with regard to the hijacking incident.
  • It is provided that for any claim under Loss of Passport, the basis of settlement will be the cost of replacing the passport inclusive of the application money, fees, stamps, cost of a professional accountant, solicitor and other incidental costs but excluding any transportation cost and time delay which are necessary for the purpose of getting the duplicate or fresh passport. 
  • 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.
  • If Paramount Health Services requests that bills / vouchers in a foreign language be accompanied by an appropriate translation then the costs of such translation must be borne by the insured person / You.
  • Reimbursement of all claims by Paramount Health Services will be in Indian Rupees at the exchange rate applicable on the date the amount is billed. If, however, it can be proved that the necessary foreign currency to pay the bill was obtained at a less favorable rate, this will be taken as the applicable exchange rate.
  • The cost of the translations that have to be made by Paramount Health Services will be deducted from the insurance claim.

Process of Claim

01
The treatment is to be intimated with respective service providers within prescribed timelines.
02
All prescriptions, investigation reports & medicine bills are to be kept handy.
03
The claim file is to be prepared with ref to check list & to be submitted upon return to India.
06
Duly filled claim forms along with all necessary documents are to be submitted within prescribed timelines.
05
Insurer will inform about any deficiency within 7 days.
04
Post receiving of all required info, the claim will be processed within 30 days.
07
If the claim is approved, amount will be transferred within 30 days.
08
If the claim is rejected, letter with details are to be shared with Insured.
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