hdfc ergo travel insurance proposal form

Easily Organize, Claim and Renew Insurance!

Know About Car Insurance

Compare Car Insurance

Know about Car Insurance

• Third Party Car Insurance
• Comprehensive Car Insurance
• Standalone Own Damage Car Insurance
• Zero Depreciation Car Insurance
• Taxi Car Insurance
• Used Car Insurance

Insurance Knowledge

• Car Insurance Companies
• Car Insurance Premium Calculator
• Car Insurance Claim Process
• Buy, Compare or Renew Car Insurance
• Cashless Garage
• Car Insurance Blogs

Read Our Blogs

Find Advisor

Know About Bike Insurance

Compare Bike Insurance

Know about Bike Insurance

• Third Party Bike Insurance
• Comprehensive Bike Insurance
• Zero Depreciation Bike Insurance
• Add On Cover
• Stand Alone Own Damage
• Bike Insurance Companies
• Bike Insurance Claim Process
• Bike Insurance Premium Calculator
• Buy, Compare & Renew Bike Insurance
• Bike Insurance Blogs

Know About Health Insurance

Compare Health Insurance

Know about Health Insurance

• Health Insurance Plans
• Family Health Insurance Plans
• Senior Citizen Health Insurance
• Critical Illness Insurance
• Mediclaim Policy
• Coronavirus Health Insurance
• Health Insurance Tax Benefit
• Health Insurance Companies
• Health Insurance Claim Process
• Buy, Compare or Renew Health Insurance
• Health Insurance Blogs

Know About Life Insurance

Compare Life Insurance

Know about Life Insurance

• Term Insurance Policy
• Money Back Policy
• Endowment Policy
• Life Insurance Companies
• Life Insurance Premium Calculator
• Compare & Buy Life Insurance plan
• Human Life Value Calculator
• Life Insurance Riders
• Life Insurance Blogs

Raise A Claim

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.

Get Best Insurance Quotes For

Health Insurance

Life Insurance

Car Insurance

Bike Insurance

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.

Confused about insurance? Let’s simplify it together!

Submit your details for expert guidance and hassle-free assistance.

IRDAI certified expert advice

Application assistance

Claim support

Get free advice

Now sit back and relax!

Our advisor will reach out to you shortly!

• HDFC Ergo Travel

HDFC ERGO Travel Insurance

Get best quotes for HDFC ERGO

Hdfc ergo travel insurance review.

Key features of HDFC Ergo Travel Insurance

• HDFC ERGO General Insurance is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. Headquartered in Mumbai, HDFC Ergo currently operated across India through 120+ branches in 106 cities with 3000+ employees.
• HDFC Ergo has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability as well as have an ISO certification for their claim services, policy issuance, customer servicing and standardization and uniformity of Information Security processes.
• HDFC Ergo has already Secured Over 1 Crore+ Smiles through their policies in India and Trust defines how they consistently strive to make insurance easier, more affordable and more dependable. At HDFC Ergo, promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
• Like most insures, HDFC also offers support round the clock @ 24x7 – since at times of distress, instant help is the need of the hour for the traveller. With their 24x7 customer care and dedicated claims approval team, hospital guarantees and admissions are managed seamlessly.
• Unlike most insurance companies, for HDFC Ergo travel insurance policies, the travellers pays only for the days actually travelled while paying simply on per day basis – this results in the traveller saving on premium without compromising on coverage.
• Good Bye to Medical Check-ups, since there is no need for the traveller to undergo any health check-up to get HDFC ERGO Travel Insurance.
• HDFC Ergo offers Composite and Flexible range for Plan options from $30,000 to $500,000 Accident & Sickness Medical Expense Sum insured for the Global Indian traveller.

Why should an insured opt for a HDFC Ergo Travel Insurance plan?

• Composite and Flexible range for Plan options from $30,000 to $500,000 Accident & Sickness Medical Expense Sum insured
• No Medical / Health check up is required prior to travel
• Policies are available with Worldwide coverage apart from specific plans for Asian markets.
• Global Travel Protection with 24 /7 Assistance through Assistance set up across the world.
• Cashless Claims settlement abroad for Inpatient treatment anywhere in the world.
• HDFC Ergo offers a great Travel Insurance options which provide complete protection against loss incurred during the trip which is both medical and non medical . Coverage is available whether you are on business or leisure trip, holiday or going abroad to study.
• Premium is payable on a per day basis, which means that you actually pay only for the actual number of days you have travelled abroad – this result in saving of premium without remaining uninsured during your trip.
• The insurance process is paperless, insured will get a soft copy of the policy certificate and terms and conditions of the coverage.

How can one Buy a HDFC Ergo Health Insurance policy?

• Step 1 - Visit HDFC Ergo Compare health insurance to review and compare policy benefits, coverage and premium details online
• Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
• Step 3 - Fill the HDFC Ergo online Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
• Step 4 – If this is a Straight through proposal, the premium remitted online will be transferred directly to the insurance company, and the policy will be issued, dispatched and will reach you in 7 working days
• Step 5 – For Non Straight through cases, HDFC Ergo will process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy tests at designated diagnostic centers or they may just levy a loading based on the health report
• Step 6 - If the proposal is accepted, the same will be issued accordingly
• Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form in the prescribed Turn around time.

Insured’s Eligibility Criteria for HDFC Ergo’s Travel Plans

• Insured above 70 years to submit medical reports irrespective of trip band (Disease mentioned in the report to be excluded)
• Foreign nationals employed in India and earning salary in Indian Rupees can be covered under HDFC Ergo plans
• Foreign nationals domiciled in India are also eligible to purchase HDFC Ergo’s Travel policies.
• Family Floater Plan coverages are only for countries Excluding USA & Canada
• Single Trip Plans
• Annual Multi Trip Plans
• Asia Plan (excluding Japan)
• Family Floater Plan (excluding USA / Canada)
• Student Suraksha Plan

HDFC Ergo Travel Insurance Overview

• Countries Covered

Single Trip

• Description of Benefits

Countries Covered in HDFC Ergo Travel Insurance

What does hdfc ergo single trip travel insurance cover, what does hdfc ergo annual multitrip travel insurance cover, what does hdfc ergo family floater plan cover, what does hdfc ergo asia travel plan cover, what does hdfc ergo student suraksha student insurance plan cover, description of the benefits under the hdfc ergo’s travel insurance plans.

• Actual expenses incurred for Out Patient Treatment, Hospitalization Expenses for any illness or injury sustained while abroad.
• Medical Evacuation to a nearby location or to India due to a lack of medical facilities available subject to obtaining prior approval from insurer’s end for further treatment.
• Repatriation of Remains is the expenses incurred to transport the mortal remains of the insured back to India.
• Dental Expenses Coverage for actual expenses incurred resulting from sickness or accident to the teeth of the insured sustained during a Trip abroad.
• Accidental Death / Permanent Total Disability This is a compensation paid to the insured’s nominee in the even of unfortunate demise of the insured as a result of an accident while abroad. Similarly if the insured is in an accident resulting in a Permanent Total Disability, compensation is payable to the insured.
• Hospital Cash Pays a daily allowance for hospitalization due to accident or sickness.
• Loss of Baggage / Loss of Personal Documents This benefit will reimburse the insured person the cost of replacement articles for any damaged or lost articles due to the loss of baggage / personal documents in the custody of the common carrier.
• Loss of Passport In the event that the passport belonging to the Insured is lost, the Insured is reimbursed for actual expenses incurred in obtaining a duplicate or fresh passport abroad.
• Delay of Checked Baggage This benefit pays for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours
• Contingency Travel Benefits It pays for hotel accommodation for the insured if bodily injury or sickness results in hospitalization for more than 5 days and misses his/her scheduled flight back to the country of residence
• Personal Liability In the event of the Insured Person becoming legally liable to a Third Party, for an incident which results in death, injury of such a third party or damage to his/ her properties, caused involuntarily by the insured, the company will compensate the Insured person.
• Financial Emergency Assistance The insurance company will provide assistance to the insured person in case they require cash following incidents like theft, robbery, mugging or dacoity whilst on a trip abroad and covered under policy.
• Flight Delay Compensation paid to the insured for purchase of meals, refreshments etc due to the delay of a covered flight.

Frequently Asked Questions (FAQ’s regarding HDFC Ergo Travel plans)

The Sum insured opted for by the insured should be based on Destination of Travel, Duration of Travel and age of the insured. It is advisable to buy a plan with higher sum insureds if you are traveling to developed markets like USA, Europe, UK, Australia etc.

Certainly. You can buy travel insurance policy for your parents on Individual Sum Insured basis or on floater basis as you deem right.

Yes, the insured can purchase the policy for his/her minor child by providing the necessary information online while buying the policy. However they should not purchase the policy for anyone who is not an immediate family member to the insured.

Yes you can buy travel insurance in case you are an hypertensive /diabetic. Just declare the same. However, in case of medical emergency, you will be covered for all expenses excluding those for your Pre-existing Disease.

The Deductible is the amount that the insured has to bear first in all claims and is deducted from the payable claim amount. This is a fixed amount irrespective of the amount of the claim. IF the claim amount is less than the deductible stated on the policy, then the insured will not be eligible for any reimbursement.

Sublimits are applicable for only those over 61 years. The same is specified in the policy schedule. Kindly go through the same once you have purchased your policy.

No, there is no medical check up prior to purchasing a travel insurance policy from HDFC Ergo.

Claims and Assistance under HDFC Ergo Travel policies

• Toll Free: 022 62346234
• Email: [email protected]
• Toll Free +800 08250825 (outside India)
• Chargeable No. 01204507250 (Within India)
• Pre-auth: [email protected]
• NSP: [email protected]
• Claims: [email protected]

Review HDFC ERGO Travel Insurance brochure to understand coverage details.

Proposal form

Fill the online HDFC ERGO Travel Insurance proposal form.

Policy wordings

Review HDFC ERGO Travel Insurance policy wordings which explains the terms and conditions.

Get quotes for HDFC Ergo travel insurance!

India travel insurance blogs and articles.

Tips to find good and adequate international travel health insurance Click here to read more

Comparison of overseas Healthcare cost and popular tourist destinations. Click here to read more

How to use Indian visitor insurance in case of sudden sickness and accidents. Click here to read more

HDFC Ergo travel insurance useful links

How to buy online.

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy HDFC Ergo travel medical insurance after approval.

HDFC Ergo Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

HDFC Ergo Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify HDFC Ergo by contacting them.

HDFC Ergo Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

Resourceful Indian travel insurance links

Why do you need travel insurance plan?

Benefits of buying travel insurance plans

HDFC Ergo Overseas Travel Insurance Premium Calculator

FAQ's on buying travel insurance policy

Search for HDFC Ergo Travel Insurance

Hdfc ergo travel insurance links.

Family Travel

Travel Asia

Annual Multitrip

Chat with Us

Insurance Guide

Useful links

•    Insurance Categories
•    Compare Insurance
•    Insurance Claims
•    Disclaimer
•    Privacy Policy
•    Terms & Conditions
•    Blog
•    Resource Centre
•    Insurance FAQs
•    About Us
•    Contact Us
•    SiteMap

Product links

•    Health Insurance
•    Life Insurance
•    Travel Insurance
•    Motor Insurance
•    Home Insurance
•    Personal Accident

Keep in touch

InstantCover Insurance Web Aggregator Private limited 710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

• 080-41101026
• Send an email
•   Call : 080-41101026
•   Contact
•   Email
•   Chat with us

ONLINE CHAT

What are you looking for?

Provide your contact information

Unleashing the Potential: Gearless Bike Add-On Overs For Better Protection

If you own a gearless bike, investing in comprehensive bike insurance is a smart decision to make. But have you considered adding extra coverage like bike insurance add-ons for your two-wheeler policy? Bike insurance add ons can provide additional benefits and coverage that a regular policy may not cover. Let us explore the benefits of bike insurance add-ons and how they can benefit your gearless bike.

Practical advantages of additional protection covers gearless bikes in India:

Listed below are some of the advantages of having the right add-on cover for gearless bikes.

1. Theft protection:

Gearless bike add-ons such as anti-theft devices and tracking systems provide added security against bike theft. For example, anti-theft devices with GPS tracking or effective security systems are practical devices for your gearless bike.

These devices make it easier to recover a stolen vehicle and significantly reduce the chances of theft in the first place.

2. Extended warranty:

Some gearless bike add-ons offer extended warranty plans, which provide coverage beyond the standard manufacturer's warranty.

This ensures that you have additional protection against unexpected repairs or component failures, giving you peace of mind and potential cost savings.

3. Accessories coverage:

Add-ons like accessories coverage protect the non-standard accessories that you have added to your gearless bike, such as custom parts, aftermarket modifications, or additional features.

This ensures that these accessories are included in the coverage and can be repaired or replaced in case of damage or theft.

4. Engine and gearbox protection:

Add-ons that specifically cover the engine and gearbox of your gearless bike offer financial protection against major mechanical failures.

These coverages can help offset the high costs of engine or gearbox repairs, giving you added confidence in the longevity and performance of your bike.

5. No Claim Bonus protection:

No Claim Bonus (NCB) protection is an add-on that allows you to retain your accumulated NCB even after making a claim.

This can help reduce your insurance premium in subsequent years and save you money in the long run.

By opting for these gearless bike add-ons, you can enjoy advantages such as heightened security against theft, extended warranty coverage, protection for non-standard accessories, coverage for engine and gearbox repairs, and the retention of your NCB. These add-ons provide additional peace of mind and financial protection, enhancing the overall ownership experience of your gearless bike.

Importance of opting for add-on covers for gearless bikes in India:

Here is why you need bike insurance add ons.

a. Personal Accident Cover:

What is it?

A personal accident cover is a crucial add-on for bike insurance in India, including gearless bikes. It provides coverage for accidental injuries or death of the policyholder while riding the insured bike. This add-on ensures financial protection for medical expenses, disability, or loss of income, offering peace of mind to policyholders and their families.

India's roads can be unpredictable, and accidents can occur at any moment. Adding a personal accident cover ensures financial protection for yourself and any pillion riders in case of an accident. It provides coverage for medical expenses, disabilities, and accidental death benefits.

Also, according to the Motor Vehicle Act, each owner-rider needs to have a mandatory personal accident cover of Rs 15 lakhs to ride their bikes on Indian roads. This could be taken as a bundle along with the bike insurance plan or even standalone.

b. Zero Depreciation Cover:

One of the most popular add-ons for bike insurance in India is the zero depreciation bike insurance cover . With this add-on, policyholders can claim the full cost of replacing damaged parts during repairs, without accounting for depreciation. Since gearless bikes are typically more prone to minor damages, having a zero depreciation cover ensures that policyholders do not have to bear a significant portion of the repair costs.

In India, bikes depreciate quickly due to wear and tear, affecting the claim payout amount. The IRDAI has specified the amount of depreciation that a bike undergoes each year.

However, with a zero depreciation add-on, you can get a higher claim amount as depreciation is not considered, which is particularly beneficial for gearless bikes that may have higher repair costs.

c. Engine Protection Cover:

Gearless bikes often have sophisticated engines that can be costly to repair or replace. The engine protection cover offers coverage against damages to the engine or its components due to water ingress, oil leakage, hydrostatic lock, or other mechanical failures. It helps policyholders save considerably on engine repair or replacement costs.

Gearless bikes rely heavily on their engines, making them susceptible to engine damage. An engine protection cover safeguards you against significant repair costs by providing coverage for repairs or engine replacement.

d. Emergency Assistance:

Emergency roadside assistance is another popular add-on for bike insurance in India. It provides policyholders with 24/7 emergency assistance in case of breakdowns, tyre punctures, accidents, or other roadside emergencies. This service is particularly beneficial for gearless bikes as they may have a higher risk of breakdown due to mechanical or electrical issues.

Breakdowns, tyre punctures, and emergencies can occur unexpectedly, causing inconvenience and delays. A roadside assistance add-on to your insurance policy can be valuable, providing services like towing, fuel delivery, battery jump-start, and arranging alternate transportation.

e. Accessories Cover:

Many gearless bikes come with accessories like GPS systems, anti-theft alarms, or customized fittings. The accessories cover add-on covers loss or damage to these accessories, including theft or accidents.

This add-on ensures that policyholders are reimbursed for the value of these accessories in case of any unfortunate events.

Bike insurance add ons covers have a significant impact on the coverage provided by bike insurance policies. They help enhance the policy's scope by offering additional protection for specific scenarios, such as zero depreciation, roadside assistance, personal accident, engine protection, or coverage for accessories. Add-ons ensure comprehensive coverage tailored to the policyholder's needs.

In a nutshell:

Considering the purchase of add-on covers for your gearless bike is highly recommended especially if it is an expensive or a dear one. These additional covers provide extra protection at a marginal additional cost, enhance your two wheeler insurance policy, and offer comprehensive coverage for your bike, giving you peace of mind on the road.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

RELATED ARTICLES

Add On Covers With Two Wheeler Insurance

Enhance Your Bike Insurance With Add-On Covers

Need For Add-on covers In Two Wheeler Insurance

Benefits of Add On Covers for Motor Insurance

Follow us on

Get the latest News in your box

• Most Popular
• Latest Articles

Request A Call Back

Motor insurance.

Motor Insurance : Car Insurance | Second Hand Car Insurance | Comprehensive Car Insurance | Third Party Car Insurance | Car Insurance Calculator | Compare Car Insurance | Zero Depreciation Car Insurance | Renew Expired Car Insurance | No Claim Bonus | Standalone OD Car Insurance | Return to Invoice | Insured Declared Value | Two Wheeler Insurance | Bike Insurance Calculator | Comprehensive Two Wheeler Insurance | Third Party Two Wheeler Insurance | Compare Two Wheeler Insurance | Standalone OD Bike Insurance | Vehicle Insurance | Commercial Vehicle Insurance | Multi Year Two Wheeler Insurance | Track Break-In Status | Pay as You Drive | Engine Protection Cover

• Health Insurance

Health Insurance : Individual Health Insurance | Family Health Insurance | Parents Health Insurance | Senior Citizen Health Insurance | Health Insurance Renewal | Cashless Health Insurance | Health Insurance Premium Calculator | Personal Accident | my:health Suraksha Silver Smart | my:health Suraksha Gold Smart | my:health Suraksha Platinum Smart | Health Suraksha pre policy checkup status | Medisure Classic/Medisure Super top up pre policy checkup status | my:health Suraksha Silver | my:health Suraksha Silver with ECB&Rebound | my:health Women Suraksha Critical Illness Comprehensive Plan | my:health Women Suraksha CI Essential Plan | my:health Women Suraksha Cancer Plan | my:health Women Suraksha Cancer Plus Plan | my:health Women Suraksha | Arogya Sanjeevani | Health insurance Portability | iCan Health Insurance | Energy Health Insurance | Health Wallet Insurance - Family | Health Wallet Insurance - Individual | Optima Restore - Family | Optima Restore - Individual | Koti Suraksha | Saral Suraksha Bima, HDFC ERGO | Optima Secure | Optima Secure Individual | Optima Secure Global Individual | Optima Secure Global Family | Optima Super Secure Plan | Optima Super Secure Plan Individual | my:health Medisure Super Top Up | BMI Calculator | EquiCover Health | Here.

Pet Insurance

Pet Insurance : Pet Insurance

• Travel Insurance

Travel Insurance : Travel Explorer | Individual Travel Insurance | Family Travel Insurance | Student Suraksha Insurance | Annual Multi-trip Insurance | Travel Insurance For Senior Citizens | Travel Insurance for Schengen VISA from India | Travel Insurance for Australia | Travel Insurance for Bali | Travel Insurance For Canada | Travel Insurance for Dubai | Travel Insurance for France | Travel Insurance for Germany | Travel Insurance for Ireland | Travel Insurance for Italy | Travel Insurance for Japan | Travel Insurance for Malaysia | Travel Insurance for Poland | Travel Insurance for Singapore | Travel Insurance for Spain | Travel Insurance for Switzerland | Travel Insurance for Thailand | Travel Insurance for USA | Travel Insurance for UAE | Travel Insurance for UK | International Travel Insurance

Home Insurance

Home Insurance : Home Insurance For Tenants | Home Insurance For Owners | Home Insurance for Television | Home Insurance for Washing Machine | Home Insurance for Air Conditioner | Home Insurance for Jewellery | Home Insurance for Refrigerator | Home Insurance for Lighting | Home Insurance for Electronic Equipment | Home Insurance for Landslide | Home Insurance for Earthquake | Building Insurance | Property Insurance | Flood Insurance | Monsoon Insurance | Home Content Insurance | Theft Insurance

• Other Insurance

Other Insurance: Cyber Sachet Insurance | Standard Fire&Special Perilis Insurance | Rural Insurance | Casualty Insurance | Group Insurance | Property&Misc Insurance | Risk Consulting Services | Specialty Insurance | Rural Insurance | Other commercial insurance

Expert Profiles

Expert Profiles: Deepika Mathur | Diwaker Asthana | Mukesh Kumar | S.Gopala Krishnan

Customer Reviews

Customer Reviews: Health Insurance | 2 Wheeler Insurance | Private Car Insurance | Critical Illness | Travel Insurance | Personal Accident | Home Insurance | Student Suraksha

Downloads: Brochure | Prospectus | Proposal Form | Policy Wording | Claim form | KYC Form | Other Documents

• Hospital Network

Healthcare Network : Hospital Empanelment form | Product wise cashless services

Procedure to make changes

Procedure to make changes: Health Insurance | Home Insurance | Motor Insurance | Travel Insurance | Personal Accident Insurance

Others: Account aggregator | Insurance FAQs | Glossary | Travel Medi Assist | IRDAI Website | Knowledge Centre | Omicron | Repositories

Read in Hindi

Read in Hindi: Health Insurance Hindi | Car Insurance Hindi | Two Wheeler Insurance in Hindi | Home Insurance in Hindi

Our Promoters

Our Promoters: HDFC Bank | ERGO

Other Important links

Other Important links: HDFC Bank | HDFC Life | HDFC Securities | HDFC Mutual Fund | HDFC Sales | HDB Financial Services | HDFC Pension

PET INSURANCE: UIN: HDFC ERGO Paws n Claws - IRDAN146RP0001V01202324 T&C Apply. @1.51 crores+ active customers as on July 2022

Terms and Conditions Applied. © HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. HDFC Ltd. and HDFC Bank merger stands concluded, effective 1st July, 2023. HDFC ERGO General Insurance Company Limited is now a subsidiary of the Bank.

• Car Insurance
• Single Year Comprehensive Cover
• Third Party Cover
• Compulsory Personal Accident Insurance
• Standalone Car Insurance
• Bike/Two Wheeler Insurance
• Long Term Comprehensive Cover
• Standalone Two Wheeler Insurance
• For Individual
• For Parents
• For Senior Citizen
• Global Health Insurance
• Optima Secure
• Optima Secure Individual
• Optima Secure Global Individual
• Optima Secure Global Family
• Optima Super Secure plan
• Optima Super Secure plan Individual
• Optima Restore Family Floater
• Optima Restore Individual
• Critical illness Insurance
• Super Top up Insurance
• Arogya Sanjeevani Policy, HDFC ERGO
• Koti Suraksha
• Travel Explorer
• For Frequent Flyers
• For Student
• International Travel Insurance
• For Housing Society
• Bharat Griha Raksha

Cyber Insurance

• Cyber Sachet Insurance

Commercial Vehicle Insurance

• Passenger Carrying Vehicle Insurance
• Goods Carrying Insurance

Corporate Insurance

• Casualty Insurance
• Group Insurance
• Property & Misc Insurance
• Risk Consulting Services
• Speciality Insurance
• Pradhan Mantri Fasal Bima Yojana
• Cattle Insurance Policy
• Rainfall Index Insurance
• Pradhan Mantri Suraksha Bima Yojana

Customer Claim Intimation

Workshop claim intimation, track claim status, claim process.

• Critical Illness Insurance
• Personal Accident Insurance
• Group Medical Insurance
• Group Personal Insurance
• Group Travel Insurance
• Marine Hull & Machinery Insurance
• Kidnap Ransom Insurance
• Cattle Insurance

Corporate Claims

• Track Health Claims
• Track Non Health Claims

Third Party Claim

• Habit of Life Survey NEW
• Download Here App NEW
• All Things EV
• Insurance Gyan
• Wellness Corner NEW
• Know Your Policy
• Garage Network
• Diagnostic Centers
• Branch Locator
• Workshop Portal
• HDFC ERGO community
• Grievance Redressal

How can we help you?

Please rotate your device

Please rotate to portrait mode for better experience.