hdfc ergo overseas travel insurance

From flight delays to medical emergencies, we got you covered. Secure your trip with HDFC ERGO Explorer. Travel Worry-free.

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Travel Insurance -  Your Safety Net at Foreign Shores

A medical or dental emergency can catch you off guard in a faraway land, derail your travel plans, and cost you dearly, as medical expenses in a foreign land can be high-priced. However, international travel insurance can save you from such expenses. Apart from this, it also provides reimbursement for essentials in case of delay or loss of check-in baggage, covers for loss of passports, visas, identity proof, etc. It also provides assistance in case of theft, burglary, accident assistance and medical evacuation in times of crisis. So, whether you travel overseas solo or with your family, remember to get travel insurance to enjoy a memorable and relaxed holiday. Many countries have also made it mandatory to get travel insurance before entering their borders. Check out HDFC ERGO’s travel explorer to explore the world confidently with 21 benefits and 3 tailor-made plans, just for you. You can buy travel insurance online from the comforts of your home. In addition, we offer medical facilities at 1Lac+ cashless hospitals** worldwide.

Introducing HDFC ERGO Travel Explorer

To make your travels filled with excitement and keep worries at bay, HDFC ERGO brings you the all-new international travel insurance, packed with more benefits than you can imagine. Explorer's got your back, whether it is a medical or dental emergency, loss or delay of your checked-in baggage, flight delays or cancellations, theft, robbery or loss of passport when overseas. It comes with up to 21 benefits packed in one, and 3 tailor-made plans just for you.

Schengen approved travel insurance

Competitive premiums, increased sum insured limit, medical & dental emergencies, baggage mishap, in-trip crisis, here's why you need hdfc ergo's travel insurance, covers emergency medical assistance.

Met with an unexpected medical emergency, in a foreign territory? Travel insurance, with its emergency medical benefits, is just the friend you need during such a toughtime. Our 1,00,000+ cashless hospitals are there to take care of you.

Covers Travel Related Inconveniences

Flight delays . Loss of baggage. Financial emergency. These things can be quite unsettling. But with travel insurance backing you up, you can keep calm and carry on.

Covers Baggage-Related Hassles

Buy #SafetyKaTicket for your travel. Whenever you’re travelling abroad all baggage carries all your essentials, and we cover you against baggage loss and baggage delay for checked-in baggage.

Affordable Travel Security

Secure your international trips without breaking the bank. With affordable premiums for every kind of budget, the benefits of travel insurance far outweigh the costs.

Round-the-clock Assistance

Time zones don’t get in the way of a good travel insurance plan. No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house claim settlement & customer support mechanism.

1 Lac+ Cashless Hospitals

There are a million things you can take on your trips; worry shouldn’t be one of them. Our 1 Lac+ cashless hospitals networked worldwide will make sure your medical expenses are covered.

Travel Insurance Plans For All Types Of Travellers

Travel plan for individuals.

If you’re flying solo in your search for new experiences, the HDFC ERGO Individual Travel Insurance, with its host of inbuilt benefits that make your travel experience smooth and seamless, is the trusted companion you need to take along for company.

Travel plan for Families

Family vacations are when you make memories that transcend time and last across generations. Now, with the HDFC ERGO Family Travel Insurance, give your loved ones the security they deserve as you and your family take off into the sunset for the vacation of your dreams.

Travel plan for Frequent Fliers

The HDFC ERGO Annual Multi-trip Insurance is tailored just for you, so you can secure multiple trips under one comprehensive insurance plan. Enjoy multiple trips, easy renewals, in-house claim settlement and so much more.

Travel plan for Students

Planning to pursue higher education at foreign destinations, then do not leave your home without a valid travel insurance. It will secure your prolonged stay and make sure you concentrate only on studies.

Travel Plan for Senior Citizens

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO’s Travel Insurance for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

Compare Travel Insurance Plans

So, have you compared the plans and found the one that suits you best, what does hdfc ergo travel insurance policy cover .

• Medical Coverage
• Journey Coverage
• Baggage Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO Travel Insurance Policy Not Cover?

Breach of law.

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

Key Features of HDFC ERGO Travel Insurance Policy

  does hdfc ergo’s travel insurance cover covid-19.

The world is returning to normal after being in the clutches of the COVID-19 pandemic for almost two years. However, the worst is not over yet. A new variant of the virus - Arcturus covid variant – has caused much concern among the public and healthcare experts alike. The presence of this new covid variant has been reported in many countries across the globe. The concern regarding this new covid variant is that it is believed to be more transmissible than previous strains, but it is still unclear whether it is more deadly than the previous ones. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay.

In the face of rising Covid cases in India , the importance of vaccinations and booster doses has again been highlighted. If you aren’t vaccinated yet, it’s high time you get the jab. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. The symptoms of Arcturus covid virus can range from mild to moderate, manifesting as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing. Some individuals may also experience muscle aches, headaches, sore throat, congestion, conjunctivitis, or pink eye. If you experience any of these symptoms while travelling overseas, rush to the nearest hospital for a check-up. Medical expenses in a foreign land can be expensive, so having the backing of travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

● Hospitalisation expenses

● Cashless treatment at network hospitals

● Daily cash allowance during hospitalisation

● Medical evacuation

● Extended hotel stay for treatment

● Medical and body repatriation

How to Modify or Extend existing Travel Insurance Policy?

Even though the terms and provisions of your travel insurance are locked in the minute you sign off on the plan and pay your premium, you can modify dates of your existing plan with HDFC ERGO in the following manner:-

Change in Travel Dates prior to undertaking the travel: Dates of travel insurance policy can be changed if the journey has been postponed due to any reason. For example, If the policy was taken from 01-Nov21 to 30-Nov-21, modification can be allowed if the dates have to be changed to 01-Dec-21 to 30-Dec-21. The change is allowed for a date after the one already chosen. Modification is not allowed if the journey is scheduled to begin before the existing date 01-Nov-21. Should such a situation arise, the existing policy will need to be cancelled completely and then a new travel insurance cover can be purchased for the required dates.

Extending the international travel insurance policy is possible subject to the following conditions:

1. The original travel insurance policy has not expired.

2. There is no claim in the original policy.

3. The sum insured will not be enhanced upon extending the plan.

4. You will need to provide a declaration of good health.

5. The premium for extension has to be paid before the actual extension is affected.

6. Total period (policy + extension) does not exceed 360 days.

7. Extension is allowed on Single Trip policies only. Annual Multi-Trip policies cannot be extended.

You can change travel dates for HDFC ERGO travel insurance online in following ways:

1. Visit the HDFC ERGO website here

2. Under the banner, go to ‘ Want to modify existing travel policy? Click here’

3. You will be directed to a new page where you can change or extend travel date.

4. Next, you must enter your policy number.

5. In case of extending your dates, you must pay an extension premium on your travel insurance.

Know your Travel insurance premium In 3 Easy Steps

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders

Why do you need overseas travel insurance policy.

With HDFC ERGO travel insurance policy, you can go for a trip without worrying about anything. We provide coverage for untimely expenses that might occur during your journey like, loss of luggage, missing out on connecting flight, or the risk of getting infected by COVID-19. Hence to avoid creating a big hole in your pocket due to any unwanted events, buying comprehensive International travel insurance is a must.

Our travel insurance will essentially secure you under following circumstances:

Medical Expenses

Loss of documents & baggage, flight delays, delay in baggage arrival, emergency dental expenses, emergency financial assistance, international travel insurance for most visited countries.

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for UAE

Travel Insurance for France

Travel Insurance for Canada

Travel Insurance for Schengen VISA

Travel Insurance for Japan

Travel Insurance for Singapore

Travel Insurance for Malaysia

Travel Insurance for Australia

Travel Insurance for USA

Travel insurance for thailand, travel insurance for germany.

Travel Insurance for Bali

 here’s what you should keep in mind before buying, the duration of your trip.

The longer your trip, the higher the insurance premium will be, since the risk involved in longer stays abroad is higher.

The destination of your trip

If you’re travelling to a country that is safer or economically more stable, the insurance premium will likely be lower.

The amount of coverage you need

Higher the sum insured higher will be your travel insurance premium.

Your renewal or extension options

You can extend or renew your travel insurance whenever it’s about to expire. Refer policy document for more details.

The age of the traveller(s)

Typically, older travellers may be charged a higher premium. This is because the probability of medical emergencies occurring increases with age.

  Factors That Affect Your Travel Insurance Premium

The country you’re travelling to, the duration of your trip¨, the extent of coverage you choose,   how to claim travel insurance.

The claim process of HDFC ERGO travel insurance is an easy 4 step process. You can make a travel insurance claim online on a cashless as well as reimbursement basis.

• Cashless Claim
• Reimbursement Claim

Intimate claim to [email protected] / [email protected] and get a list of network hospitals from TPA.

[email protected] will share the checklist of documents required for cashless claims.

Mail Documents

Send the cashless claim documents and policy details to our TPA partner- Allianz Global Assistance, at [email protected] .

Our concerned team will contact you within 24 hours for the further cashless claim process as per policy terms & conditions.

Intimate claim to [email protected] and get a list of network hospitals from TPA.

[email protected] will share the checklist of documents required for reimbursement claims.

Send all required documents to [email protected] for reimbursement as per the Checklist

Upon receipt of complete documents, the claim will be registered and processed within 7 days as per policy terms & conditions.

List Of Countries Where Travel Insurance Is Mandatory

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

Schengen countries

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

Decoding Travel Insurance Terms

Confused about all the travel insurance jargon floating around? We’ll make it easier for you by decoding some commonly used travel insurance terms.

Sum Insured

The sum insured is the maximum amount the insurance company will pay you in case any of the insurable events occur. In other words, it’s the maximum coverage that you are entitled to under your travel insurance plan.

Sublimits are additional monetary limitations in the coverage offered by your travel insurance policy. They limit the cover applicable to specific insurable events or losses, and they are a part of the original overall coverage offered by the policy.

In some cases, when an insurable event happens, you may have to pay some of the expenses involved out of your own pocket. This amount is known as the deductible. The rest of the expenses or losses will be borne by the insurance company.

Cashless settlement

Cashless settlement is a kind of claim settlement process where the insurer directly pays the costs involved in case of any insurable loss on behalf of the policyholder.

Reimbursement

This is a kind of claim settlement wherein the policyholder pays the expenses out of pocket first, and the insurance company later reimburses the costs as per the coverage limits in place.

Single Trip Plans

Single trip plans are travel insurance plans that provide coverage for only one trip. You can buy this plan in advance of your international holiday.

Multi-trip Plans

Multi-trip plans are travel insurance policies that offer coverage for multiple trips within a predetermined period. Typically, the cover offered by multi-trip plans is valid for one year.

Family Floater Plans

Family floater plans are for families, as is evident from the name. These plans offer travel insurance coverage that extends to every member of the family who is travelling on the insured journey.

Travel Insurance Policy Documents

Travelling to the US?

There’s nearly a 20% chance that your flight could be delayed. protect yourself with hdfc ergo’s travel insurance., travel insurance  reviews & ratings.

Our customers have rated us

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

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Gen Zs and Millennials Prioritize Experiences in 2024

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Frequently asked questions on travel insurance, 1. is it necessary to buy travel insurance.

Yes, it is. Travel insurance is the ultimate seal of safety you can add to your journey, so you can enjoy your vacation or turn that business trip into a success without worrying about the stressful scenarios that could occur unexpectedly. With travel insurance acting as your #SafetyKaTicket, you can rest assured that you’re insured against the financial losses or burden associated with flight delays, loss of baggage, and even emergency medical expenses when you’re in another city, among other things.

1. How does travel insurance work?

Travel insurance acts as a financial safety net and protects you against the possible financial repercussions of unexpected emergencies on your journey. When you purchase a travel insurance policy, you essentially buy a cover against certain insurable events. It offers medical, baggage-related and journey-related coverage. In case any of the insured events, like flight delays, loss of baggage, or medical emergencies occur, your insurer will either reimburse the additional costs that you incur on account of such incidents, or they shall offer a cashless claim settlement for the same.

2. Is a medical checkup necessary before the policy is purchased?

We have good news for you here. A medical checkup is not necessary if you’re planning to buy the HDFC ERGO travel insurance policy. You can bid goodbye to health checkups and purchase travel insurance without any hassle.

3. Is it necessary to get prior approval of the insurance provider before proceeding with medical treatment should the necessary arises?

Emergency medical needs must be treated in time if the need arises. And that is why it is not necessary to get any sort of prior approval from the insurer before you proceed with medical treatment, but it is better to inform the insurance company of the claim. However, the nature of the treatment and the terms of the travel insurance policy will determine if the treatment is covered by the travel insurance.

4. Can you buy travel insurance after booking your trip?

Yes, you most certainly can buy travel insurance after you’ve made a booking for your trip. In fact, it’s a smart idea to do so, because that way, you will have a better idea of the details of your trip, such as the start date, the end date, the number of people accompanying you and the destination. These details are all essential to determine the cost of your travel insurance cover.

5. Is travel insurance mandatory?

Well, that depends on where you’re travelling to. To be more specific, there are 34 countries that have made travel insurance mandatory, so you’ll need to purchase a cover before you travel there. These countries include Cuba, The United States of America, The United Arab of Emirates, Ecuador, Antarctica, Qatar, Russia, Turkey and the group of 26 Schengen countries.

7. What is a deductible? Why is this necessary?

A deductible is simply that amount of a claim that you will need to meet from your pocket, before the insurer steps in and bears the rest of the costs involved. Insurance policies have deductibles because they help the insurer share the costs with the policyholder. And knowing that some of the costs may need to be borne out-of-pocket keeps the policyholder from engaging in any risky behavior that may result in losses that are insured.

6. What are the age criteria for which you issue a travel insurance policy online in India?

single trip-91 days to 70 years. AMT same, family floater – from 91 days to 70 years, insuring upto 20 people. The exact age criteria vary from one travel insurance policy to another, and also from one insurer to the next. For the travel insurance policy from HDFC ERGO, the age criteria depend on the kind of cover you opt for. • For single trip insurance, people aged between 91 days and 70 years can be insured. • For annual multi trip insurance, people aged between 18 and 70 years can be insured. • For family floater insurance, which covers the policyholder and up to 18 other immediate family members, the minimum age of entry is 91 days and can be insured up to 70 years.

7. When should you buy a travel insurance policy?

That depends on the number of trips you’ll be taking during the year. If you’ll likely just take the one trip, you will want to purchase a single trip cover. The ideal time to buy a travel policy for a single trip is within a couple of weeks of booking your flight tickets. On the other hand, if you plan to take multiple trips during the year, it would be a better idea to purchase your travel insurance plan well in advance, before you book your various trips.

8. In which Schengen countries is travel insurance mandatory?

Travel insurance is mandatory for traveling to all 26 Schengen countries.

9. Can more than one policy be issued for the same trip?

No. HDFC ERGO does not provide multiple insurance plans to the same person for the same trip.

10. Are business travellers eligible to purchase a Travel Insurance policy?

Yes, Indian Nationals travelling abroad for business can purchase travel insurance policy.

11. When does the travel insurance cover begin and end?

Travel insurance is usually taken for the duration of travel. The policy will mention the start and end date on its schedule.

12. Where can customers access the list of network hospitals?

You can find your preferred hospital from among HDFC ERGO’s list of partner hospitals https://www.hdfcergo.com/locators/travel-medi-assist-detail or send mail to [email protected].

13. Is it mandatory for the customer to be in India for international travel policy issuance?

Policy can be taken only if the insured is in India. Cover is not offered for individuals who have already travelled abroad.

14. Can I buy travel insurance after leaving the country?

Unfortunately, you cannot buy travel insurance after leaving the country. The traveller needs to ensure availing of the travel insurance policy before travelling abroad.

15. What are the sublimits of this product?

No sub-limit has been specifically imposed for customers visiting Schengen countries. For insured individuals below 61 years of age, there are no sub-limits applicable under travel medical insurance. Sub-limits are applicable to insured individuals aged 61 years and older for various expenses, including hospital room and boarding, physician fees, ICU and ITU charges, anaesthetic services, surgical treatment, diagnostic testing expenses, and ambulance services. These sub-limits are applicable to all travel insurance policies regardless of the plan purchased. For more details, refer to the product prospectus.

16. How much does travel insurance cost?

The cost of a travel insurance policy depends on a lot of factors. The cost is not fixed or uniform for all trips. The following factors determine how much premium would be payable –

● The type of policy

There are different types of travel insurance plans available and each plan has a different premium. Single trip plans are cheaper than annual multi-trip plans. Individual plans are cheaper than family plans and so on.

● The destination

Different countries attract different premiums. Developed countries like the USA, UK, Australia, etc. involve higher premiums than others.

● Number of members travelling

The more the number of members who travel with you the higher would be the premium.

Higher the age higher would be the probability of suffering an illness. As such, premiums increase with age

● Trip duration

The longer the trip the higher would be the premium and vice-versa.

● Plan variant

There are different variants of the same plan. Each variant has different coverage benefits. The higher the variant the more inclusive the plan becomes and so the premiums are higher

● Sum insured

The higher the sum insured that you choose the higher would be the premium and vice-versa

You can use HDFC ERGO’s online calculators to find out the premium payable for the travel insurance plan.

17. Can you buy insurance after starting your trip?

No, you cannot buy travel insurance after starting your trip. The policy should be bought before the trip has commenced.

18. How do I choose a travel policy?

You should choose a travel insurance plan based on your travel needs. Here’s how –

● If you are travelling solo, choose an individual policy

● If you are travelling with your family, a family travel insurance plan would be suitable

● If a student is travelling for higher education, choose a student travel insurance plan

● You can also choose the plan based on your destination, like a Schengen travel plan, Asia travel plan, etc.

● If you travel frequently, choose an annual multi-trip plan

After you have shortlisted the type of plan that you want, compare the different policies in that category. There are different insurance companies offering travel insurance plans. Compare the available policies on the basis of the following –

● Coverage benefits

● Premium rates

● Ease of claim settlement

● International tie-ups in the country that you are travelling to

● Discounts, etc.

Choose a policy that offers the most inclusive coverage benefits at the most competitive rate of premium. Choose an optimal sum insured and buy the best plan for securing the trip.

1. What is not covered in travel insurance?

It’s always a good idea to know what the scope of your travel insurance is. When you buy the HDFC ERGO travel insurance policy, do keep in mind that the following incidents, losses, or events are not covered by our travel insurance. • Any sickness or health issues caused due to war or a breach of the law • Claims related to health, if you consume any intoxicants or banned substances • Expenses related to pre-existing diseases • Expenses related to cosmetic surgery or obesity treatment • Any hospitalization expenses or medical costs arising from self-inflicted injuries • Injuries sustained during adventure sports

1. Does travel insurance cover flight cancellation?

Yes, we will reimburse the Insured Person for non-refundable flight cancellation expenses incurred in the event of a flight cancellation.

2. What benefit will I get from this insurance in case of a medical emergency?

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Source : https://www.hdfcergo.com/docs/default-source/downloads/prospectus/travel/hdfc-ergo-explorer-p.pdf

4. What does my travel insurance cover?

Your HDFC ERGO travel insurance plan covers a wide range of medical emergencies, baggage-related emergencies and journey-related issues. In the medical emergency coverage, you can rest assured that your policy covers emergency medical and dental expenses, medical evacuation, hospital daily cash allowance, accidental death and even medical/body repatriation. As for baggage troubles, we have you covered in case of loss or delay of checked-in baggage and loss of personal documents. Flight delays, financial emergency assistance, hijacking, personal liability and hotel accommodation are also other benefits you’ll enjoy with our travel insurance plan. Source: HDFC ERGO site - ‘what’s covered’ section

3. Will pre-existing diseases be covered under the travel insurance policy?

No. The HDFC ERGO travel insurance policy does not cover any expenses related to the treatment of a pre existing disease or condition in the duration of your insured trip.

4. If I’m being advised to quarantine; are the accommodations or re-booking expenses covered?

Accommodation or re-booking expenses resulting from a Quarantine are not covered.

7. Are pre-existing ailments or diseases covered under travel insurance plans?

If you undergo treatment for pre-existing diseases during the travel insurance policy period, medical expenses for the same are not covered by the travel insurance policy. However, any medical condition that is diagnosed after purchasing the travel insurance policy will be covered. It is important to disclose all your health-related information at the time of purchasing the travel insurance policy to not face any claim rejections during the trip.

5. Which conditions are covered under medical coverage?

Medical benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Cashless facility is available for receiving treatments at the insurer’s network hospitals.

6. What is flight insurance?

Flight insurance is a part of travel insurance wherein you get covered for flight-related contingencies. Such contingencies include the following –

● Flight delay

● Accidental death due to a crash

● Flight cancellation

● Missed flight connection

7. What do I do if I fall sick when I am overseas?

When you fall sick when travelling contact our Toll free no +800 0825 0825 ( add the area code + ) or chargeable no +91 1204507250 / + 91 1206740895 or write to [email protected]

HDFC ERGO has partnered with Alliance Global Assist for its TPA services. Fill up the online claim form available at https://customersupport.hdfcergo.com/DigitalClaimForms/travel-insurance-claim-form.aspx?_ga=2.101256641.138509516.1653287509-1095414633.1644309447. Fill up a ROMIF form which is available at https://www.hdfcergo.com/docs/default-source/documents/downloads/claim-form/romf_form.pdf?sfvrsn=9fbbdf9a_2 .

Send the filled and signed claim form, ROMIF forms all the claim-related documents to the TPA at [email protected] . The TPA would process your claim request, look for the networked hospitals and assist you with the hospital list so that you can get the medical attention that you need.

1. How can I cancel my travel insurance policy?

Cancelling your travel insurance policy is quite easy. You can place your cancellation request via email or fax. Do make sure that the cancellation request reaches up within 14 days from the policy’s inception date. In case the policy is already in force, you’ll also need to submit a copy of all the 40 pages of your passport, as a proof that the journey has not been undertaken. Do note that cancellation charges of Rs. 250 will be applicable, and the balance amount paid will be refunded.

2. Can I extend my policy?

Currently we cannot extend the policy

3. How many times can we extend the policy?

You can extend your travel insurance policy once. The period of extension depends on the details of the trip. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.

3. What is the maximum number of days for which I can take the travel insurance policy?

Generally, the total policy period, including extensions if any, should not exceed 360 days. However, the limits may vary for specific plans, as explained below. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.-->

5. If I extend my travel insurance policy online, what premium is applicable?

The exact amount of the extension premium depends on many factors like the period of extension, the destination of the trip, the number of people covered, and other aspects of the cover. Simply put, it varies on a case-to-case basis. To extend your policy, you can visit this link. Alternatively, you could als send a mail to us at [email protected]. You will receive a response from our end, detailing the procedure and giving you the details of the additional premium to be paid.

4. Does HDFC ERGO's travel insurance policy come with a free-look period?

No. The HDFC ERGO travel insurance policy does not come with a free-look period.

5. Is there a grace period in travel insurance policy?

Grace period is not applicable to any cover for travel insurance policy.

6. What sum insured should be opted for while traveling to Schengen countries?

The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.

7. Are there any sub-limits applicable for Schengen countries?

There are sub-limits applicable for availing travel insurance policy for Schengen countries. Please refer the policy documents to know that sub-limits.

8. If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

No, the product does not offer any refund for early returns.

11. If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement?

Yes. HDFC ERGO allows you to extend your travel insurance cover by paying an additional premium as long as the existing plan remains unexpired and no claims have been raised. Extension can be taken for a maximum of 180 days. Also, Total period of cover (base policy + extension) should not exceed 360 days.

9. What are the charges for policy cancellation?

A cancellation charge of Rs 250 will be levied if you cancel your HDFC ERGO travel insurance, irrespective of whether you raise the request before or after your trip begins.

10. Do I get a grace period for my travel insurance policy?

No. There is no grace period applicable for a travel insurance policy.

11. What is my travel insurance coverage requirement sum insured while travelling to any of the Schengen countries?

Travel insurance with a minimum equivalent sum insured of 30,000 Euros needs to be availed to travel to Schengen countries. There are about 26 countries that come under the entire Schengen region for you to visit and it is compulsory to have travel medical insurance cover to visit these states. To get Schengen Visa, you need to produce your travel medical insurance document.

12. Is there a partial refund possible on a travel insurance plan, in case the trip is curtailed and the customer comes home earlier than initially planned?

No. Partial refund is not allowed under travel policy.

16. Can travel insurance plans be extended at a later point in time if there is a genuine requirement or an extension of stay?

Yes! The extension is provided on travel insurance policy based on certain conditions such as:

• There should have been no claim under the policy during the period

• The policy is not expired

• Insured needs to provide the declaration of good health

• The sum insured remains the same and no enhancement of the sum insured is allowed

• The total period of policy, base plus extension, does not exceed 360 days.

• The premium for extension needs to be paid before the extension is affected.

12. How is the travel insurance premium calculated?

The travel insurance premium is calculated considering the following details –

● Type of plan

● Destination

● Members to be covered

● Their age

● Plan variant and sum insured

You can use HDFC ERGO’s online premium calculators to find the premium of the policy that you want. Enter in your trip details and the premium would be calculated.

13. What is the document provided as proof of travel insurance?

The policy is issued by HDFC ERGO which serves as proof of travel insurance. The bond is mailed to you on your email ID. Moreover, a physical copy is also sent to your registered address. You can carry this copy as proof of coverage.

14. What are the modes of payment for buying a travel insurance policy?

HDFC ERGO allows both online as well as offline modes of paying for the travel insurance policy. The available modes include the following –

● Demand draft

● Credit card

● Debit card

● Net banking facility

● NEFT/RTGS/IMPS

1. Does a claim have to be lodged or made in a specific time frame from the time of the accident?

In case any of the insured events covered by the travel insurance policy occurs, it’s best to give us a written notice of the incident as soon as practicable. In any case, the written notice must be given within 30 days of such an event occurring. In case the insured event is the death of a person covered by the plan, the notice must be given immediately.

2. How long does it take to process a travel insurance claim?

We understand that during any emergency financial distress, the sooner we can assist you, the better you’ll be able to get through the crisis. That’s why we settle your claims in record time. While the exact length of the period varies from case to case, we ensure that your claims are quickly settled upon the receipt of the original documents.

3. What kind of documentation is required while making a travel insurance claim?

The kind of documentation depends greatly on the nature of the insured incident that has occured. In case of any loss covered by the travel policy, the following proof must be submitted. 1. The Policy Number 2. The preliminary medical report describing the nature and extent of all injuries or illnesses, and providing a precise diagnosis 3. All invoices, bills, prescriptions, hospital certificates which will permit us to accurately determine the total amount of medical expenses (if applicable) incurred 4. In the case another party was involved (like in the case of a car collision), the names, contact details and if possible, the insurance details of the other party 5. In the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents establishing the identity of any and all beneficiaries 6. Proof of age, where applicable 7. Any such other information we may require to handle the claim In case of any accident covered by the travel policy, the following proof must be submitted. 1. Detailed circumstances of the accident and the names of witnesses, if any 2. Any police reports concerning the accident 3. The date a physician was seen consulted for the injury 4. The contact details of that physician In case of any sickness covered by the travel policy, the following proof must be submitted. 1. The date on which the symptoms of the sickness began 2. The date on which a physician was consulted for the sickness 3. The contact details of that physician

4. What if I lose my baggage? How do I make a claim in such a case?

Losing your baggage during your trip can be inconvenient, because you may need to replace a lot of essentials and spend out of pocket. With a travel insurance policy, you can cushion the financial impact of such a loss. If you lose your baggage during the period the insurance cover is valid, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825 You can also visit this blog for more information.

5. How do I claim on my travel insurance?

In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825

6. Will I be able to extend the travel insurance policy if I already have an ongoing claim?

No. You cannot extend the existing HDFC ERGO travel insurance policy if you have already raised a claim on it.

6. How many days does it take to settle the claim?

The claim is settled in three working days from the date of receiving the last documents for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).

6. What would be the documents required to file a travel insurance claim for COVID-19?

Documents required for filing a travel insurance claim are the same as Emergency Medical Expenses, which will only cover expenses for patients who test positive for COVID-19. It will not cover expenses for home quarantine or quarantine in the hotel.

1. Can I renew my travel insurance policy online?

only Annual multi-trip policy can be renewed. Single trip policies cannot be renewed.

2. How do I check the status of my HDFC ERGO travel insurance renewal?

Only AMT policies can be renewed. Single trip policies cannot be renewed. Extension of single trip policies can be done online.

3. What are the Details and Documentation of the Travel Insurance Extension?

The details and documentation needed for travel insurance cover/extension are your basic details like name, age, journey details, and start and end day of your travel. You can get travel insurance online by filling out these basic details and paying.

4. Can I extend my travel insurance policy when travelling abroad?

If you are already covered under HDFC ERGO’s travel insurance cover, you can extend your travel insurance only if the policy has not expired. Ideally, if you need to extend your travel insurance, you can do that in India before your journey begins.

Here are a few more points you should keep in mind for extending your travel insurance:

• There should be no claim availed on the original policy.

5. How to Extend Your Travel Insurance Policy?

You can extend your travel insurance policy online by login here , or you can call our helpline no to extend travel insurance.

1. How To Get Travel Insurance With Covid-19 Cover?

HDFC ERGO’s Travel Insurance covers coronavirus hospitalisation. You don’t have to buy separate insurance for COVID-19. Your travel medical insurance will give you cover for the same. You can buy travel insurance online by visiting our website or calling our helpline number 022 6242 6242.

Following are some of the features covered for COVID-19 in travel insurance -

● Hospital expenses if one gets COVID-19 while covered under overseas travel insurance.

● Cashless treatment in network hospitals.

● Reimbursements of medical expenses.

● Daily cash allowance during hospitalisation.

● Expenses related to transferring mortal remains to home country in case of death due to COVID-19

2. When should I buy Covid-19 travel insurance?

Ideally, it would be best if you buy a travel insurance plan like HDFC ERGO's International Travel plan , which covers coronavirus hospitalisation before embarking on your journey. Your travel insurance covers you from the first day of your journey till you return to India. However, it might not be possible to buy one while you are overseas and reap its benefits. So, make it a point to buy your travel medical insurance ahead of time. To avoid last minute hassles buy your insurance as soon as you book tickets for your destination.

3. Does travel insurance cover a positive PCR test?

No, travel insurance doesn’t cover a Positive PCR Test if detected before your journey. However, hospital expenses, medical reimbursements and cashless treatment in network hospitals are provided as mentioned under your travel insurance policy if you get infected with coronavirus while travelling.

4. Can you get a refund on flights if you have COVID?

No, flight cancellations due to COVID-19 infection are not covered under HDFC ERGO’s International Travel Plan.

5. How much does COVID-19 travel insurance cost?

While buying Travel Insurance online, you can opt for Individual Travel Insurance , Family Travel Insurance or Student Travel Insurance , depending on your need and how you plan to travel. Depending on the sum you want to insure, you can also choose from our Gold, Silver, Platinum, and Titanium plans. However, you don’t have to pay extra for COVID-19 coverage. You will be covered for the same in any of the travel plans you choose.

6. Can I get travel insurance with pre-existing conditions and COVID-19coverage?

HDFC ERGO’s travel insurance policy doesn’t cover pre-existing conditions during your stay, even if you are covered under International travel insurance. However, you will be covered for COVID-19 hospitalisation during your insured period.

7. Does travel insurance cover quarantine?

No, HDFC ERGO’s travel insurance plan doesn’t cover quarantine expenses.

8. How can I claim for COVID-19 expenses through my travel insurance?

We will help you settle your claims for COVID-19 hospitalisation and expenses as soon as possible. The claim is settled within three working days after receiving all the valid documents related to your hospitalisation and medical expenses for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).The claim will cover expenses for the patients who test positive for COVID-19. However, it doesn’t cover expenses for home quarantine or quarantine in the hotel.

9. Does travel insurance cover missed flights due to Covid-19 Testing?

No, HDFC ERGO’s travel insurance doesn’t cover missed flights or flight cancellations due to COVID-19 or COVID-19 testing.

10. How long does it take to process the claim?

While we will try to help you with your claims at the earliest, it isn't easy to define the length of the claim period as it will depend from case to case. Therefore, we try to settle the claims in record time upon receipt of the original invoices.

11.Can the period of travel insurance be extended?

Yes, the travel insurance period can be extended only once, subject to the following conditions.

• The original policy period has not expired.

• There is no claim on the original policy.

• The sum insured will not be enhanced upon extending the plan.

• You will need to provide a declaration of good health.

• The extension premium has to be paid before the actual extension is affected. However, note that you might not be able to extend your travel insurance plan if you have already placed a claim on your existing HDFC ERGO travel insurance policy.

10. Who is a Third Party Administrator or TPA in Travel Insurance?

A third-party administrator provides operational services such as claims processing and other benefits as mentioned in your policy under contract with HDFC ERGO and can assist you in times of emergency when on international shores.

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HDFC ERGO Travel Insurance – Benefits, Coverage, Reviews & More

HDFC Ergo General Insurance Company is a joint venture between some of the leading names in the financial sector. The company is jointly owned by HDFC Limited and ERGO International AG. HDFC Limited is a housing finance company which is quite reputed in India and ERGO international AG is the insurance component of the Munich Re Group. Thus, both the companies have tremendous expertise in insurance and finance as a result of which HDFC Ergo offers various attractive general insurance policies. Travel insurance policies are also offered by the company which provides coverage when you are travelling.

Let’s understand HDFC Ergo travel insurance plans in detail.

Why choose HDFC Ergo travel insurance?

HDFC Ergo travel insurance plans have a definite edge over other policies because of the following reasons

• HDFC Ergo enjoys the trust of more than 1 crore individuals and is, therefore, a trusted and a reputed company
• The company provides its customers with 24*7 support for any type of query or feedback that they might have
• HDFC Ergo travel insurance offer you the benefit of paying premiums per day of travel ensuring that you do not pay additional premiums
• No pre-entrance medical check-ups are needed to buy HDFC Ergo travel insurance plans
• You can buy any HDFC Ergo travel insurance policy online without getting involved in unnecessary paperwork. HDFC Ergo provides complete online assistance when it comes to buying travel insurance policies
• The company has an in-house claim settlement department which makes it easier and convenient for you to get settlement of your travel insurance claims
• In case of medical contingencies faced when travelling, you can avail cashless treatments at across more than 8 lakhs hospitals over the world which are tied-up with HDFC Ergo

Types of HDFC Ergo travel insurance plans

HDFC Ergo offers a range of travel insurance policies for different types of trips that you might undertake. The list of HDFC Ergo travel insurance plans is, therefore, as follows

• HDFC ERGO Individual travel insurance plan

This policy covers a single individual travelling to another destination. The policy has the following features

• There are destination specific individual travel insurance policies. These policies are Asia plan, Schengen countries plan, worldwide plan excluding USA and Canada and worldwide plan including USA and Canada
• You can buy a single trip policy or an annual multi trip policy covering multiple trips taken during a year
• Foreign nationals who are working in India and drawing their salary in INR can be covered under the policy
• Even foreign individuals who are living in India can be covered
• There are four plan variants of Silver, Gold, Platinum and Titanium under single trip plan

Coverage benefits under HDFC ERGO Individual Travel Insurance Plan

Coverage under individual travel insurance plans is provided for the following

• Cashless treatments at networked hospital in case of medical emergencies
• Emergency dental treatments necessitated due to an injury or accident
• Medical evacuation to the nearest hospital for treatments
• A daily cash allowance if you are admitted to the hospital for 24 hours or more
• Repatriation of the dead body back to the resident country in case of death
• Coverage against accidental death
• Coverage against permanent disability
• Loss of baggage and personal documents
• Delay or loss of checked-in-baggage
• Coverage against liability faced in case of third party damages in a foreign country
• Emergency cash assistance in case of theft or robbery
• lAllowance for hijack of your flight
• Coverage for flight delay
• Coverage for extension of hotel stay due to unavoidable circumstances

Exclusions under HDFC ERGO Individual Travel Insurance Plan

Though individual travel insurance plans provide a comprehensive list of coverage features, the following would not be covered under the policy

• Medical contingency suffered due to criminal acts
• Medical emergency suffered due to alcohol consumption, drug usage or use of any other intoxicating substance
• Any treatments which are caused due to pre-existing illnesses
• Any type of cosmetic treatment or treatment related to weight management
• Medical emergencies suffered due to suicide, attempted suicide and self-inflicted injuries
• Injuries suffered due to participation in adventure sports or hazardous activities

Eligibility criteria of HDFC ERGO Individual Travel Insurance Plan

• HDFC ERGO Family Travel Insurance Plan

A family travel insurance policy covers you along with your family members under the same plan. The features of the plan are as follows –

• All travelling family members are covered under a single travel insurance policy which includes self, spouse and up to two dependent children
• You can choose an annual multi trip policy for the whole family if you take regular trips. Alternatively, you can also choose a single trip policy covering one specific trip which you undertake with your family
• There are four coverage variants and the sum insured and coverage benefits vary across each variant
• In case of business professionals, their spouse and dependent children can be covered under the policy

Coverage under HDFC ERGO Family Travel Insurance Plan

Family travel insurance plan covers both medical as well as non-medical emergencies suffered by any family member while on the trip. The plan allows coverage for the following instances

• Medical treatments due to an emergency
• Medical evacuation
• Costs incurred in undergoing an emergency dental treatment due to an injury suffered
• Hospital cash allowance benefit if you are hospitalised for a period of 24 hours or more. This benefit is paid per day of hospitalisation
• Repatriation of mortal remains if the insured member dies on the trip
• A lump sum benefit is payable in case of accidental death or permanent disablement suffered by any insured member
• If you or your family members cause any third party damage, the liability that you face would be covered under the policy
• Loss or delay of your checked-in-baggage
• Loss of personal belongings and important documents while on the trip
• Hijack distress allowance on a per day basis if your flight is hijacked

Exclusions under HDFC ERGO Family Travel Insurance Plan

The following are instances which are not covered under a family travel insurance policy

• Any act which breaches the law
• Any contingency suffered due to alcohol or substance abuse
• Contingency suffered due to participation in adventure sports
• Cosmetic treatments
• Any type of obesity related treatments
• Attempted suicides and self-inflicted injuries
• Illnesses which occur due to pre-existing diseases or conditions

Eligibility criteria of HDFC ERGO Family Travel Insurance Plan

• HDFC ERGO Student Travel Insurance Plan

A student travel insurance policy is specifically designed for students who go abroad for higher studies. These policies have coverage benefits which are needed by students. The salient features of the student travel insurance plan offered by HDFC Ergo are as follows

• There are two types of policies offered under this category – worldwide excluding USA and Canada and worldwide coverage
• The scope of coverage is quite extensive and the premiums are also affordable
• Resident Indian students can buy this policy if they are going abroad for higher education
• There are five plan variants of Standard, Bronze, Silver, Gold and Platinum
• Add-on covers are also available under the plan at an additional premium

Coverage features of HDFC ERGO Student Travel Insurance Plan

HDFC Ergo student travel insurance plans have the following coverage benefits

• Cashless treatments at networked hospitals in case of emergency medical contingencies
• Coverage against dental treatments required in case of injuries
• Medical evacuation by air or surface to the nearest hospital for treatments
• Repatriation of the dead body in case of death of the student
• Coverage against accidental death and permanent disability suffered abroad
• Delay in receiving the checked-in-baggage or loss of the baggage altogether
• Personal liability faced due to any third party damage caused by the student
• Coverage against bail money if the student is imprisoned abroad
• Coverage against study interruption if the student falls sick which results in a prolonged hospital stay of is an immediate family member dies. In such cases, the tuition fee is paid as compensation
• Payment of tuition fee if the sponsor of the student dies and the student is unable to meet the education costs
• Coverage for compassionate visit of a family member if the student falls sick abroad. The cost of return fare tickets is paid as claims
• Coverage for getting a new passport in case of loss of the earlier one

Additional coverage features of HDFC ERGO Student Travel Insurance Plan

By paying an additional premium, you can avail coverage for the following instances too

• Medical expenses incurred on an inpatient basis due to pregnancy
• Treatment costs incurred for treating mental disorders, nervous disorders, drug dependency and alcohol addiction
• Costs of cancer screening and mammography exams
• Daily allowance payable for child care benefits for up to 7 days

Exclusions under HDFC ERGO Student Travel Insurance Plan

A student travel insurance plan offered by HDFC Ergo excludes the following instances of claims

• Self-inflicted injuries, suicides or attempted suicides
• Acts of criminal nature and their consequences
• Claims arising due to alcohol or drug abuse cases
• Pre-existing illnesses and their complications are not covered
• If the student participates in any hazardous activities or adventure sports, any resulting emergencies would not be covered
• Cosmetic and weight management treatments are not covered
• Pregnancy expenses would be covered only after a waiting period of 10 months

Eligibility criteria of HDFC ERGO Student Travel Insurance Plan

• Frequent Flyers Insurance Plan

This is an annual multi-trip policy which is suitable for individuals who travel frequently during a year for their work related needs. The features of the policy are as follows –

• You can avail cashless treatments at a vast network of hospitals all around the world as they are tied-up with HDFC Ergo
• Unlimited number of trips are covered under the policy and one trip should not exceed 45 days
• The plan has two coverage variants of Gold and Platinum

Coverage under frequent flyers insurance plan

The frequent flyers insurance policy covers the following types of claims

• Medical emergencies suffered while on the trip
• Emergency medical evacuation
• Emergency dental treatments due to an injury
• Daily cash allowance benefit in case of hospitalisation
• Medical repatriation and repatriation of mortal remains
• Accidental death and disablement
• Loss of baggage
• Loss of personal documents
• Delay of checked-in-baggage
• Loss of checked-in-baggage
• Personal liability for causing any third party damage
• Emergency financial assistance due to loss of funds to theft, robbery or dacoity
• Hijack distress allowance if the flight is hijacked
• Hotel accommodation in case of extension of the trip due to unavoidable circumstances
• Delay of flight and the consequences thereof

Exclusions under frequent flyers insurance plan

The frequent flyers insurance policy does not cover the following types of claims –

• Claims made for pre-existing illnesses
• Claims made for any activity which is illegal and criminal in nature
• Claims suffered because of being under the influence of alcohol and/or drugs
• Any type of cosmetic and obesity related treatments which are not medically necessary
• Claims suffered because of participation in adventure sports
• Claims suffered due to self-inflicted injuries or suicides

Eligibility criteria of frequent flyers plan

How to buy HDFC Ergo Travel Insurance plans?

You have various options to buy HDFC Ergo travel insurance plans. These options are as follows

• Through HDFC Ergo’s branch HDFC Ergo General Insurance Company has a widespread network of branches all over India. You can locate the branch office of the company in your city and visit the nearest branch to buy the policy. Visit the branch, avail an application form, fill up the form and submit it with your documents and premium amount. The application process would be done. The company would, then, assess your application and issue the policy at the earliest.
• Through HDFC Ergo’s insurance agent HDFC Ergo also has a network of insurance intermediaries who sell the company’s policies. You can find and approach an agent of the company and apply for HDFC Ergo travel insurance plans from him/her. An application form would have to be filled and submitted along with your documents and premium amount. The agent would submit your application to the company and HDFC Ergo would, then, assess your application. If everything is in order, the policy would be issued at the earliest.
• Through the company’s website Applying for HDFC Ergo travel insurance plans online is perhaps the most convenient mode of buying. HDFC Ergo allows online issuance of its travel insurance policies and so you can apply for a suitable travel insurance policy online from the company’s website. To apply, visit https://www.hdfcergo.com/travel-insurance and choose the most suitable policy depending on the type of trip you are undertaking. Fill in the online application form stating your details and the details of the trip. Pay the premium online and the policy would be issued in an instant.

Documents required for buying HDFC Ergo travel insurance plans

To buy HDFC Ergo travel insurance plans, the following documents would be needed –

• Proposal form/application form
• Identity proof of the insured members
• Age proof of insured members
• Travel tickets
• Travel Visa
• Any other document as required by the insurance company

How to renew HDFC Ergo travel insurance plans?

If you want to renew your policy, you can visit the company’s website and renew the policy instantly online. Just provide your policy details and pay the renewal premium and your policy would be renewed at the earliest.

How to make a claim under HDFC Ergo travel insurance plans?

As mentioned earlier, HDFC Ergo has an in-house claim settlement team for its travel insurance claims. Thus, in case of a claim, you simply have to inform the company of your claim and the company would guide you with the next steps which should be taken. To inform the company you can choose any of the following options

• Send an email to the company at [email protected]
• Call the international toll-free number of the company +800 0825 0825 and inform the company of the claim
• Call on the landline of the company at +91 120 4507250. This call would be chargeable as per international call rates

After informing the company, you would be told of the next steps to be followed. Take the specified steps, fill up a claim form and submit the form with the relevant documents to get a settlement of your claim.

Documents required for claims

For your claim to be settled, the following documents would have to be submitted

• Identity proof
• In case of a medical claim – all medical bills and reports
• Other claims – proof of claims

Is it possible to extend the coverage duration if the trip is extended?

Yes, HDFC Ergo travel insurance plans allow extension of your coverage if the trip duration extends due to unavoidable situations. You can extend your coverage for up to 360 days by requesting the company for an extension. An additional premium would have to be paid for such an extension.

When does a travel insurance plan expire?

A travel insurance plan has a coverage duration which is equal to the duration of the trip. Once the coverage duration is over, the plan would expire.

Can I change the travel dates after buying HDFC Ergo travel insurance policy?

Yes, the travel dates can be changed after you have bought an HDFC Ergo travel insurance policy but if the trip has not already started.

Will I get a refund if I come back early from the trip?

No premium refund is allowed if you cut short your trip and come back to the origin country.

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Policy Cancellation & Refund

Policy cancellation and refund of the premium shall be as per the terms & conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to contact the toll free number of your Insurance Company or refer the respective section of your Policy terms and conditions. You can also call us at our toll free number 1800-266-0101 or write a mail to us at [email protected] . We shall be available to guide/assist you.

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HDFC ERGO Travel Insurance Claim Process

Faq - hdfc ergo general insurance.

HDFC ERGO's travel cover ensures you have a smooth travel experience at foreign destinations. The plan helps deal with situations like medical emergencies, baggage loss, etc.

We understand that you may have any questions, concerns, doubts pertaining to your policies or on products & services.

In case the Insured/ Policyholder has any Grievance regarding services, product or process of HDFC Ergo General Insurance, they may approach the Grievance Redressal Cell at the below mentioned details.

HDFC Ergo General Insurance Company has the responsibility to put in place proper procedures and effective mechanism to address complaints and grievances of policyholders including Mis-selling by different intermediaries and to ensure compliance with the statutory requirements.

In any case if the Insured/ Policyholder would like to cancel his HDFC Ergo General Insurance policy, then the below given procedure needs to be followed:-

An Insurance endorsement is a mini-policy that is added to a current insurance policy to change certain information on the original insurance documents.

If you wish to visit HDFC Ergo General Insurance India Ltd. branch for any issues, concerns or queries regarding your policy then please click on the below link to get the complete details.

HDFC ERGO has launched a Super Top Up insurance plan (MY: MEDISURE SUPER TOP UP INSURANCE) to match the rising medical costs. It provides you a higher cover with a nominal premium amount.

• Call Us: 86559 86559
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HDFC ERGO Travel Insurance (A Simple Guide)

Are you planning to take a trip abroad for work or pleasure? Getting a travel insurance policy is imperative. Certain countries even mandate their visitors travel insurance policies. Want to know about HDFC ERGO travel insurance? Well, you have come to the right place. In this article, we will talk in detail about HDFC ERGO travel insurance, its features, plan benefits, types of travel insurance plans, and much more.

What is Travel Insurance?

• Travel Insurance in India.
• HDFC ERGO Travel insurance.
• Features of HDFC ERGO Travel Insurance plans.
• HDFC ERGO Travel Insurance Plan benefits.
• Travel Insurance Plans by HDFC ERGO.

How to purchase HDFC ERGO Travel Insurance Plans?

How to renew hdfc ergo travel insurance plans.

• How to file a claim with HDFC ERGO Travel Insurance Plans?
• Exclusions under HDFC ERGO Travel Insurance Plans.

Travel insurance is an insurance product that financially compensates the policyholder against various risks while traveling abroad or in the country. In simple terms, the insurance company will indemnify the policyholder in case of any unforeseen events like any medical emergency, loss or theft of baggage, flight cancellations, etc, depending on the terms of the policy.

Travel insurance in India

According to a survey conducted by a leading insurance company travel insurance in the country has skyrocketed post-COVID-19. As per the survey reports only 50% of international travellers bought a travel insurance policy. Post the COVID-19 outbreak this number has drastically increased to 76%. Another finding from the survey suggests that awareness of purchasing travel insurance plans has increased up to 90% from 76% post-pandemic.

HDFC Ergo Travel Insurance

HDFC ERGO offers a plethora of travel insurance plans that provide comprehensive coverage to both domestic and international travelers. The company offers a vast range of travel plans for families, individuals, students, and people who frequently travel due to work.

HDFC ERGO travel plans offers cashless facility in over 1 Lakh hospitals worldwide. Plans offered by the company provide coverage in more than 20 Schengen countries and 18 other countries.

Features of HDFC ERGO Travel Insurance plans

• Cashless Hospitalization : HDFC ERGO has more than 1 Lakh network hospitals all around the world which will provide cashless facilities to the policyholder in case of any emergency hospitalization while traveling.
• Countries Covered : Plans offered by the company provide coverage in 25 Schengen countries and various other countries.
• COVID-19 Coverage : Travel plans by HDFC ERGO provide coverage against COVID-19. In case the policyholder contracts COVID-19 while traveling abroad the hospitalization expenses for the same will be taken care of by the company.
• Customizable Plans : HDFC ERGO plans are customizable according to the preference and needs of the individual. The policyholder can choose from a range of cover options such as flight cancellations, lost luggage, medical expenses, etc while traveling. Certain policies also allow you to select the sum insured or the coverage limit needed for the trip.
• 24/7 Customer Support : HDFC ERGO provides 24-hour customer support for quick assistance to its customers in case of any emergency like theft, loss of baggage, etc in all covered countries.
• In-house Claim Settlement : The company provides in-house claim settlement for its customers which means there’s no involvement of any third-party administrator (TPA). HDFC Ergo has a dedicated team of experts who looks after the claim settlement process providing a smooth experience for its customers.

HDFC ERGO Travel Insurance Plan benefits

Below provided are some general plan benefits of HDFC Ergo travel insurance plans. These benefits may vary from policy to policy.

• Medical Expenses : HDFC ERGO’s travel plan cover medical expenses like inpatient, and outpatient care, therapies, diagnostic tests, and so on due to any illness or injury suffered while traveling.
• Accidental Death Cover : Travel plans by HDFC ERGO also provide accidental death coverage in which the company provides financial compensation to the nominee of the policy in case of accidental death of the policyholder.
• Accidental Disability Cover : The company also provides accidental disability coverage which provides compensation in case of total permanent disablement suffered by the policyholder due to an accident.
• Emergency Medical Evacuation : HDFC ERGO travel plans offer a unique benefit that provides coverage for an emergency medical crisis such as medical evacuation by air or road to the nearest hospital for treatments.
• Coverage for Loss of Passport : The plans also offer to cover the cost of a passport and other crucial documents in case of loss or theft.
• Coverage for Flight Delay : Plans by HDFC ERGO travel insurance also offer reimbursement in case the policyholder’s flight is delayed for more than 12 hours from the scheduled departure time.
• Worldwide Coverage : Travel plans offered by the company provide comprehensive worldwide coverage that protects you and your loved ones while traveling on vacation or for any work-related purposes.

Travel Insurance Plans by HDFC ERGO

Below provided are the notable plans offered by the company:

1.) Student Travel Insurance Plan

The student travel policy is designed for students who are planning to travel abroad for higher education. This plan will secure a prolonged stay abroad so that the student can solely concentrate on their studies without worrying about the losses caused due to any unforeseen incidents. Any Indian student already residing overseas can also purchase this plan. This plan offers sum insured options starting from $100000 up to $250000. This plan is available in five variants: Platinum, Gold, Silver, Bronze, and Standard.

Plan Benefits

• This plan covers all medical, evacuation, and repatriation expenses of the insured student studying abroad.
• Worldwide coverage is provided to the insured student starting from one month up to 2 years.
• This plan also covers the risk of theft or loss of a passport.
• This plan also provides financial compensation in case of study interruption due to personal reasons such as the death of a family member.
• This policy also indemnifies the payment of the bail amount of the student in case of incarceration of the student for any offense.
• Medical tests are not mandatory to purchase this policy.

Plan Eligibility

• Age: From 16 years up-to 35 years.
• All Indian students studying abroad are eligible to purchase this plan.

2.) HDFC ERGO Family Travel Insurance Plan

This type of travel plan is ideal if you are planning a vacation with your family members. It is an affordable option allowing you to insure all your family members under a single travel policy at an affordable premium. This plan offers a wide range of sum insured options starting from $ 50,000 up to $ 500,000. This policy is available in five variants: Platinum, Gold, Silver, Bronze, and Standard.

• This plan offers cashless treatment in more than 1 lakh hospitals all around the world in case of a medical emergency.
• The policy provides financial compensation in case of any total permanent disability suffered while traveling.
• This plan also covers the cost of any accidental dental injury suffered while traveling.
• The plan covers the cost of baggage or personal documents lost or stolen up to the sum insured.
• The company will provide financial compensation to the nominee of the policy in case of the accidental death of the policyholder.
• The plan will also financially compensate in case of hijack of the airplane or train in which the insured has travelled.
• Single trips: 6 months to 70 years.
• Multi trips: 18 years up to 70 years.

3.) HDFC ERGO Multi-trip Travel Plan

This plan is ideal for individuals who have to travel frequently due to work or any other purpose. In this plan, the policyholder can avail of coverage for multiple trips under the same cover. HDFC ERGO‘s Multi-trip plan is available in four variants; Platinum, Gold, Silver, and Asian Region. The plan offers a wide range of coverage options from USD 5,00,000 to USD 25,000.

4.) HDFC ERGO Individual Travel Insurance Plan

This plan is designed for individuals who travel solo offering a wide range of benefits at an affordable premium. HDFC ERGO’s travel plan is available in five variants; Platinum, Gold, Silver, Bronze, and Asian region. The sum insured ranges from USD 5,00,000 to USD 25,000.

• The policy covers cashless hospitalization in network hospitals worldwide.
• This plan provides financial compensation in case of loss or theft of baggage.
• This plan covers accidental death while traveling.
• Any accidental disability while traveling will be compensated.

Follow these simple steps laid down by us to purchase a travel insurance policy with HDFC ERGO.

• Step 1 : Visit the official website of the company i.e https://www.hdfcergo.com/
• Step 2 : Click on the “BUY” option at the header of the page and select travel insurance.
• Step 3 : Select the type of travel insurance plan you wish to purchase.
• Step 4 : Fill in all the required details like destination, number of passengers, and so on.
• Step 5 : You will be redirected to the quotes page where you will be offered the right plan for your requirements.
• Step 6 : You can make the payment directly via a debit or credit card. Your policy will be instantly generated or you can also purchase an HDFC Ergo travel plan by visiting the nearest official branch of the company.

Follow these simple steps to renew your travel insurance plan with HDFC ERGO:

• Step 1 : Visit the official website of the insurer and click on the “Renew” option.
• Step 2 : Fill in the requested details like policy number or registered mobile number to log in.
• Step 3 : Verify all the policy details and make the premium online.
• Step 4 : Your policy will be instantly renewed and you will receive a confirmatory email on your registered email address, or you can also renew your travel insurance policy by visiting the nearest branch of HDFC ERGO.

How to file a claim with HDFC ERGO?

As mentioned earlier, HDFC ERGO has a dedicated in-house claim settlement team that looks after providing an efficient claim settlement experience for its policyholders.

• You must immediately inform the insurer in case of an emergency on its claim intimation number i.e +91 22 6234 6234/+91 120 6234 6234.
• You can also contact the insurer on its claim’s intimation India landline number +91-120-4507250.
• You can also intimate the insurer on an official email address i.e [email protected].

Follow these simple steps to facilitate a claim with HDFC ERGO Travel Insurance:

• Step 1 : You must immediately inform the insurance company in case of any emergency.
• Step 2 : Please visit [email protected] and get a list of network hospitals to avail treatment.
• Step 3 : The claims team will share the required documents for a cashless claim.
• Step 4 : You can also download the digital claim form available on the official website of the company.
• Step 5 : Send the dully filled digital claim form with all the necessary documents to the company.
• Step 6 : After verification by the company the claim will be approved.

Exclusions under HDFC ERGO Travel Insurance Plans

Following are some general exclusions under HDFC Ergo travel plans. These exclusions may vary from policy to policy.

• Pre-existing Conditions : Travel plans by HDFC ERGO will not cover any pre-existing conditions suffered by the policyholder before traveling.
• Self-inflicted Injury : Any self-inflicted harm or injury caused to the policyholder like suicide, etc will not be covered under the policy.
• Injury due to Adventure Sports : Any injury suffered due to participation in any kind of adventurous sport like rock climbing, scuba diving, paragliding, bungee jumping, etc is not covered under the plan.
• Cosmetic Procedures : Any cosmetic treatments like botox, lip augmentation, etc will not be covered the plans.
• Obesity Treatment : Any cost of treatments arising due to an obesity procedure or surgery will not be covered under the plan.
• Health hazard due to breach of law : Any coverage for health problems that insured individual may experience due to illegal activities on their part like smoking illegal substances or drug abuse will not be covered by the insurer.

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Frequently asked questions about HDFC ERGO Travel Insurance

This truly depends on the requirements, preferences, and budget of the individual. For example, If you are traveling with your family, it’s best to choose a family floater plan that covers your entire family in a single policy. Also, you can avoid the irritant of buying travel insurance for every trip by opting for a Multi-trip plan if you are a frequent traveller. If you are traveling abroad for higher studies, then a student plan is the best option for you.

Travel insurance plans generally do not cover any pre-existing conditions, mental illnesses, cosmetic procedures, and so on.

70 years is the maximum age to buy a travel insurance plan with the company.

Yes, you can alter the travel dates in your policy before the policy commencement date to a later date.