Pravasi Bhartiya Bima Policy from IFFCO Tokio general insurance

What the Policy Cover?

Section – 1 : Personal Accident-This Section covers for a Sum Insured of Rs. 10,00,000/ Rs. 20,00,000* against accidental bodily injury leading to death or permanent total disablement resulting into loss of employment within 12 months of bodily injury.* Sum Insured of Rs.20,00,000 is applicable for Libya only.


Section – 2 : Transportation & Airfare for Attendant-This Section covers the transportation expenses of mortal remains of deceased from place of death abroad to back home in India. Further, this Section also covers the actual reimbursement of economy class return airfare of one Attendant to accompany the mortal remains from place of death to back home in India. The claim for reimbursement must be filed within 90 days of completion of journey.


Section – 3 : Hospitalisation expenses-This Section has three parts covering hospitalisation expenses upto Rs.75,000 of Emigrant, maternity expense upto Rs.25,000 of female Emigrant and hospitalisation expense upto Rs.50,000 of family of Emigrant comprising spouse upto 60 years and two children upto 21 years of age in the event of death or permanent disability of Emigrant.


The hospitalisation expenses must be incurred as an inpatient in a Hospital/Nursing Home arising out of sickness, disease and/or accident. For Emigrant,coverage is available for treatment in India or in the country where Emigrant is employed abroad, whereas for his/her family members, coverage is available for treatment in India only. The coverage for hospitalisation expenses of family of Emigrant is available only if there is a valid claim under Section 1 of this Policy.The coverage includes following expenses incurred during actual hospitalisation period: –

    • Room rent, board, nursing expenses in Hospital, including Registration and Service charges.
    • Surgeon, Anaesthetist, Medical Practitioner, Consultant and Specialist fees.
    • Cost of Anaesthesia, Blood, Oxygen, Operation Theater, Medicines, Diagnostic Expenses etc. certified by Medical Practitioner.



Section – 4 : Employment Contingencies and Repatriation Expenses-This Section covers one way return airfare to India arising out of loss of employment due to refusal of job by the employer upon arrival at workplace/ destination abroad, the premature termination from job within first 3 months for no fault of the policyholder and/or making job contract/agreement disadvantageous to him. Further, this Section also covers termination of job within first 12 months of inception of cover, provided that such termination arises out of medically unfit to commence, continue or resume working. 



Section –5 : Legal Expenses-This Section covers litigation expenses upto Rs. 30,000 relating to contingencies involved with employment, provided the grounds of such litigation are justified by concerned Ministry in the country of employment.



Sum Inured & Premium: The normal premium to be charged will be Rs. 500 plus Service Tax for the full two year period. The premium for 3 years shall be Rs 750 plus Service tax.


Other Feature of the Policy: 

  • Reimburse the actual cost of transporting the mortal remains of the deceased back home to India
  • Reimburse the additional cost of economy class return airfare for one attendant to accompany the mortal remains from the place of death abroad to back home in India.

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