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Home / Travel Insurance / Travel Insurance for Senior Citizens

Senior Citizen Travel Insurance for Overseas Trip

Travel Insurance

Travel makes you feel younger and live a healthy life too. Remember, the joys of travel are unparalleled, and age should never stop you from exploring the wonders of the world. However, to secure your trip, get travel insurance for senior citizens which gives you the much-needed support to check-out destinations from your bucket list while securing your holiday from any untoward incidences like medical emergencies, lost or delay in check-in baggage, theft or burglary at a foreign destination. While selecting travel insurance, ensure adequate coverage for overseas medical insurance for senior citizens, as health could be a matter of concern as one age. HDFC ERGO offers travel insurance to cater to all your needs. So, whether you are travelling abroad to meet your dear ones, for work or leisure, having International travel insurance for senior citizens should be your priority before take-off.

Where do you wish to wander today?

Asia

Asia

Experience the diversity of Asia without a single worry with our travel insurance plans. The medical insurance coverage comes in particularly handy when traveling to remote parts of the continent.
Schengen countries

Schengen countries

While it is compulsory to get travel insurance to obtain a Schengen visa; the sceneries shine brighter, and parties get louder when you have someone looking out for you at every step of the way!
Worldwide, excluding USA and Canada

Worldwide, excluding USA and Canada

For nomads constantly hopping from one country to another, a comprehensive travel insurance plan offers the safety and peace of mind to travel at will to any part of the world without any hassles.
Worldwide coverage

Worldwide coverage

It's beautiful to see the sunrise from a different country every week, but as a globetrotter, you must also prioritise your safety. Travel the world fearlessly as we protect you and everything dear to you.

What Does HDFC ERGO Travel Insurance Policy Cover?

Emergency Medical Expenses

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.

Emergency dental expenses coverage by HDFC ERGO Travel Insurance

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

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

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

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 coverage by HDFC ERGO Travel Insurance

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

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 Baggage & Personal Documents by HDFC ERGO Travel Insurance

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

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 coverage by HDFC ERGO Travel Insurance

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.

Trip Curtailment

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 flight

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.

Loss of Passport & International driving license :

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.

Hospital cash - accident & illness

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 by HDFC ERGO Travel Insurance

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 by HDFC ERGO Travel Insurance

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.

Loss of Passport & International driving license :

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’s Travel Insurance Plan Not Cover?

Breach of Law

Breach of Law

Any sickness or health issues caused to due to war, injury, or a breach of the law.

Consumption Of Intoxicant Substances not covered by HDFC ERGO Travel Insurance

Consumption of Intoxicant substances

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

Pre Existing Diseases not covered by HDFC ERGO Travel Insurance

Pre existing diseases

If you're suffering from a disease before travelling or undergo treatment for an illness which already exists, we do not cover it.

Cosmetic And Obesity Treatment not covered by HDFC ERGO Travel Insurance

Cosmetic and Obesity Treatment

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

Self Inflicted Injury not covered by HDFC ERGO Travel Insurance

Self Inflicted Injury

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

Self Inflicted Injury not covered by HDFC ERGO Travel Insurance

Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

Senior Citizen Travel Insurance Plans

Trip Duration and Travel Insurance

Senior Citizen Single Trip International Insurance

As the name goes, single trip international insurance is apt for all those who wish to travel just once to a particular overseas destination. Just like you wish to go on a solo backpacking to Georgia or Bahamas or a business conference at U.S.A this travel insurance is best for you. If you are a group of friends or family going for a vacation then this suits the best. HDFC ERGO offers comprehensive benefits, like offering medical cover when you fall sick or face an accidental injury.


Trip Destination & Travel Insurance

Senior Citizen Multi Trip International Insurance

For the ones who are always on the go and keep hopping to multiple countries or visit the same country many times a year, this insurance is a must. The best part is it saves you from the hassle of multiple renewals. You can buy it for a year and travel as much as you wish to without worrying about getting travel insurance for every single trip. This is best suited for frequent flyers!


Coverage Amount & Travel Insurance

Senior Citizen Travel Medical Insurance

Travel Insurance is a must for medical necessities! We all know medical expenses cost a bomb at international destination even a minor injury or fever treatment may hamper your trip budget. Hence, it's always recommended to buy travel insurance for medical coverage. We offer benefits like:

● Emergency Medical Expenses

● Dental Expenses

● Personal Accident

● Hospital Cash


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.

my:health medisure super top-up plan

Schengen countries

  • France
  • Spain
  • Belgium
  • Austria
  • Italy
  • Sweden
  • Lithuania
  • Germany
  • the Netherlands
  • Poland
  • Finland
  • Norway
  • Malta
  • Portugal
  • Switzerland
  • Estonia
  • Denmark
  • Greece
  • Iceland
  • Slovakia
  • Czechia
  • Hungary
  • Latvia
  • Slovenia
  • Liechtenstein and Luxembourg
my:health medisure super top-up plan

Other countries

  • Cuba
  • Ecuador
  • Iran
  • Turkey
  • Morocco
  • Thailand
  • UAE
  • Togo
  • Algeria
  • Romania
  • Croatia
  • Moldova
  • Georgia
  • Aruba
  • Cambodia
  • Lebanon
  • Seychelles
  • Antarctica

Source: VisaGuide.World

Hear from Our happy customers

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Our customers have rated us

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JAGRATI DAHIYA

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

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Vaidyanathan Ganesan

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.

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SAKSHI ARORA

my:Single trip Travel insurance

05 Jul 2019

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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Frequently Asked Questions

HDFC ERGO offers a travel insurance plan which can be taken by senior citizens. Under this policy, the entry age is up to 70 years. However, the plan can be taken only on an individual coverage basis, i.e., covering only one individual.

Your senior citizen travel insurance coverage starts from the date the trip starts. The coverage also ends when your trip ends. However, the trip duration should be within the allowed coverage duration limit.

When you meet with an accident abroad, you would have to intimate the company and register the claim. The process is as follows -

● For cashless claims, you would have to contact Alliance Global Assist which is the TPA of HDFC ERGO

● You would have to fill out an online claim form for raising your claim

● Thereafter, the filled claim form and ROMIF Form should be mailed to the TPA at medical.services@allianz.com

● The TPA would, then, check whether the hospital allows the cashless facility and arrange for cashless treatments. The processing would take about 24 hours

● You can also check the list of networked hospitals in a foreign country through this link - https://www.hdfcergo.com/locators/travel-medi-assist-detail

You can also call the toll-free number which is +800 08250825. Attach the country code before the number when you place the call.

No, you can buy only one travel insurance plan for travelling to multiple countries. However, when buying the plan, specify the countries that you are travelling to get the right coverage.

Yes, the loss of a passport is covered under senior citizen travel insurance plans. However, the coverage is allowed up to a specified limit. Moreover, there would be a deductible which would be payable by you. The insurance company would pay the claim in excess of the deductible.

Your travel insurance plan can be stored in a digital format in which case it wouldn’t matter even if you forget to carry the policy along. You should just remember the policy number so that you can get the policy details from HDFC ERGO by calling its helpline. The coverage would be allowed even if you forget to carry your travel insurance policy.

Senior citizens are at a higher risk of medical complications when they travel to international countries. They might fall ill or suffer an injury on the trip for which medical attention might be required. Receiving medical treatments in foreign countries can prove to be a costly affair that puts a strain on your finances. As such, a senior citizen travel insurance policy is required to cover the financial complications of a medical emergency. The plan covers medical emergencies incurred during the trip and provides financial security.

Besides medical emergencies, senior citizen travel insurance plans provide a host of coverage benefits that include the following -

● Emergency dental treatments

● Loss of passport

● Trip cancellation or curtailment

● Personal accident cover

● Repatriation of mortal remains

● Third-party legal liability

● Hijack allowance

● Loss or delay of checked-in baggage

● Financial assistance in an emergency

All these coverage features ensure that possible emergencies that you might face on the trip are covered. In these emergencies, you get financial assistance.

Moreover, senior citizen travel insurance plans cover all countries and can be taken at affordable rates.

Thus, to secure your trip financially, a senior citizen travel insurance policy is recommended.

No, pre-existing conditions are not covered under senior citizen travel insurance plans. If you suffer medical complications arising out of pre-existing conditions, the coverage would not be allowed.

Yes, pre-approval helps you get cashless treatments. You can get in touch with HDFC ERGO’s TPA, Alliance Global Assist and intimate your claim. Get a pre-approval within 24 hours and you can get cashless treatments.

No, a free look period is not available under senior citizen travel insurance plans.

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