HDFC ERGO Travel Insurance

Why Choose HDFC ERGO Travel Insurance?

Travelling around the world can be enriching as well as fun. A lot of thought and money goes behind planning an international trip and you wouldn't want it to get hampered by an untoward incident. By buying travel insurance policy, you can get covered against many adverse situations and look forward to enjoying every moment of your international trip. Here's why buying a HDFC ERGO travel insurance policy is a wonderful idea:

• The insurer provides cashless facilities at over 1 lakh network hospitals across the world
• 24x7 customer care available to handle all HDFC ERGO travel insurance claims
• No medical health check-ups required
• Multi-trip policy available for frequent flyers
• Sum insured amount up to USD 10,00,000

Types of HDFC ERGO Travel Insurance

To cater to the needs of different travellers, HDFC ERGO General Insurance Co. Ltd. offers various types of trip insurance plans:

1. Individual Travel Insurance

   The HDFC ERGO individual travel insurance guarantees your safety from any unforeseen emergency expenses that you may face while travelling abroad. This travel policy will provide you with medical support and assist you in case you lose your baggage, along with other coverage or benefits, including personal liability, loss of personal documents, and delay in check-in baggage arrival. You can opt for any of the following available plans:

   • HDFC ERGO Travel insurance plan
   • HDFC ERGO Explorer travel insurance plan

   These can be purchased as individual, family and multi-trip policies, depending on your requirements.

   HDFC ERGO Travel Insurance Plan

   This HDFC ERGO travel insurance plan has four variants: Silver, Gold, Platinum, and Titanium, with the sum insured ranging from USD 50,000 to USD 5,00,000. You can also customize your policy according to the country you are travelling to, such as Asia, Schengen countries, and worldwide (excluding & including the USA and Canada).

   HDFC ERGO Explorer Travel Insurance Plan

   This HDFC ERGO Explorer travel insurance plan is an all-purpose plan to meet the needs of individuals, families, students, and business people. It comes in two plan variants: Gold and Platinum, with sum insured coverage ranging from USD 40,000 to USD 10,00,000.

2. Family Travel Insurance

   The insurer also offers plans that protect all family members when travelling abroad. It covers the insured family from any untoward incident, including emergency medical and non-medical expenses. These include daily hospital cash allowance, accidental death and permanent disability, personal liability, delay, and loss of check-in baggage.

   This family travel insurance plan offers a sum insured on a family floater basis in the range of USD 50,000 to 5,00,000. It can also be customized according to the destination country like the Schengen countries, Asia, worldwide and worldwide excluding/including USA & Canada. With Silver, Gold, Platinum and Titanium plan variants, you can select a plan variant that suits your family's requirements.

3. Student Travel Insurance

   Studying abroad has now become safer with the HDFC ERGO Student Suraksha- Student Overseas plan. This plan has been tailor-made for Indians travelling abroad for studies as it will protect them from any unexpected emergencies during their education.

   Apart from basic coverage like medical expenses, delay or loss of check-in baggage and personal liability, this HDFC ERGO Student Suraksha plan also covers passport loss, bail bond, compassionate visit, sponsor protection and study interruption.

   With a sum insured amount ranging from USD 50,000 to 5,00,000, this plan by HDRFC ERGO travel insurance has five variants i.e. Standard, Bronze, Silver, Gold and Platinum. Moreover, this plan also offers additional coverage through the Plus Plan that includes pregnancy, childcare, mammography examinations and cancer screenings among others.

4. Frequent Flyers Insurance

   This plan by HDFC ERGO Travel Insurance Insurance is custom-made for people who frequently travel abroad. It provides the protection of an individual plan with an extended trip validity of a year, eliminating the need to buy a new policy for each trip. It provides covers including medical treatment expenses, daily hospital cash allowance, loss of baggage & personal documents, financial emergency assistance, personal liability and delay & loss of check-in baggage. This HDFC ERGO travel insurance has Gold and Platinum variants with sum insured amount of USD 2,50,000 and 5,00,000.

HDFC ERGO Travel Insurance Eligibility Criteria

The eligibility criteria for different HDFC ERGO travel insurance plans are as follows:

HDFC ERGO Travel Insurance Inclusions

An insured traveller can enjoy the following coverage by buying HDFC ERGO travel insurance policy:

1. Emergency Medical Expenses

   It covers the insured for any hospitalisation and treatment expenses arising out of an illness or an accidental injury. It includes expenses incurred for in-patient, out-patient, and therapy care, as well as emergency evacuation and repatriation of mortal remains to India.

2. Emergency Dental Treatment

   HDFC ERGO travel insurance covers the cost of dental treatment following an accident or for acute pain relief.

   Accidental Death & Permanent Disablement (Common Carrier)

   Your HDFC Ergo travel insurance plan will pay compensation to the insured or their family if an accident abroad leads to their death or permanent total disability while travelling in common carriers like a flight, train, or bus.

3. Daily Hospital Cash

   The insurer will give allowances to the insured on a daily basis if hospitalized in lieu of an illness or accidental injury.

4. Flight Delay

   The insurer will pay compensation to the insured if their flight is delayed by more than 6 hours.

5. Delay or Loss of Check-In Baggage

   HDFC Ergo travel insurance plan compensates the insured if the airline loses their check-in baggage. It will also reimburse the cost of purchasing essential items, including clothes and toiletries in case the arrival of check-in baggage is delayed by the airline.

6. Loss of Passport

   In case the insured loses their passport due to theft or genuine reasons, this HDFC ERGO travel insurance plan will cover expenses incurred in obtaining a new passport.

7. Personal Liability

   The insurer will pay for the damages or injuries caused by the insured to a third party person or property.

8. Compassionate Visit

   This feature is available under HDFC ERGO student travel insurance plans. If a student is hospitalised for more than seven days, the insurer will cover the travel cost of one of the insured student's immediate family members to the country where they are studying.

9. Study Interruption

   The insurer will reimburse the tuition fee paid to the university in advance in case the insured student is unable to attend classes due to hospitalization or an emergency trip back to India.

10. Bail Bond

    If the insured student is detained or arrested under a bailable offence, HDFC ERGO will pay for the bail.

HDFC ERGO Travel Insurance: Additional Coverage

Plus Plan – This HDFC ERGO Plus Plan is an extension of the student travel insurance plan. It covers the insured student for any hospitalization expenses incurred due to pregnancy & childcare, cancer screenings, mammography examinations, along with mental & nervous disorder treatments, including dependency on alcohol and drugs

HDFC ERGO Travel Insurance Exclusions

In certain scenarios, your HDFC ERGO travel insurance plan will not provide any coverage benefits. Some of these are listed below:

• Breach of Law: The insurer will not cover any illness or injury caused due to war or for breaking the law
• Consumption of Intoxicants: The insurer will not cover any injury or illness caused due to the use of intoxicants or banned substances
• Pre-existing Diseases: Any medical treatment for a pre-existing illness will not be covered by the insurer
• Cosmetic and Obesity Treatment: The insurer will not cover the expenses incurred on cosmetic surgery and treatment for obesity
• Self-Inflicted Injury: Hospitalisation expenses due to an attempt to suicide will not be covered by the insurer
• Adventure Sports: HDFC ERGO Travel Insurance Insurance will not pay for the treatment expenses incurred due to an injury caused while participating in adventure sports

To understand all the situations where you won't receive any coverage, read the complete list of exclusions provided in the policy wording.

HDFC ERGO Travel Insurance Claim Procedure

Any untoward incident can shake your international travel plans at any point unless you have travel insurance. Buying a travel insurance policy is useful only if you make a timely claim in case of an emergency abroad. You can make both cashless and reimbursement claims, depending on your emergency. Take a look at the claim procedure for this HDFC ERGO travel insurance plan:

Cashless Claims Registration

• In case of a medical emergency, get admitted to a listed network hospital of HDFC ERGO Travel Insurance Inform the insurer about the hospitalization by calling the toll-free number
• A Claim Service Representative will validate your treatment at the hospital
• Receive the treatment and get discharged
• The claim service representative of HDFC ERGO will settle the bills with the hospital

Reimbursement Claims

Under HDFC ERGO travel insurance, a reimbursement claim can be filed for emergencies like loss of check-in baggage, flight delay, lost passport, personal liability, accidental injury, study interruption, etc. Follow these steps to file a reimbursement claim:

• Inform the insurer about the emergency or the loss by calling the toll-free number
• The Claim Service Representative of HDFC ERGO Travel Insurance will send you the claim form
• Fill up the claim form with all the required details
• Send the scanned copy of all the required documents along with the filled-in claim form via mail or fax within 30 days of the loss
• HDFC ERGO Claim Service Representative will review the claim against your policy coverage
• Payment will be made directly to the insured's bank account

Documents Required for HDFC ERGO Travel Insurance Claim

• Duly completed claim form of HDFC ERGO Travel Insurance
• Required documents (Doctor's consultation /Emergency room's report/FIR etc., as required)
• Original bills and payment receipts of any expenses incurred

You can easily confirm the list of required documents with the Claim Service Representative of your HDFC ERGO travel insurance plan while filing a claim.

How to Buy HDFC ERGO Travel Insurance?

You can buy HDFC Ergo travel insurance policy online very conveniently through Policybazaar. Here's what you have to do to apply for a HDFC ERGO travel insurance plan:

• Visit Policybazaar.com and click on the 'Travel Insurance' section on the menu
• On the available form, enter your destination(s), trip duration, total number of travellers, age and other details.
• Proceed to 'View Plans' and select the 'Insurer' filter to get a list of available HDFC Ergo travel insurance plans
• Browse through the various types of plans and select the plan you wish to buy.
• Check the quote and click on 'Buy Now'
• Provide the necessary details and proceed to payment
• Select a suitable payment mode and pay the premium. The premium can be paid online via debit card, credit card or net banking

You can also buy a policy directly from the insurer's official website.