Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International Trip.
No matter what you are: a business traveler or a leisure traveler: you are now safer with Overseas Travel Insurance which protects you from unfortunate events such as loss or delay in checked baggage, passport loss, a medical emergency or an accident.
Insure your trip and enjoy a hassel free journey.
HDFC ERGO provides coverages for Single Trip, Multiple Trips, Asia, and also a Family Floater Plan with various Sum Insured options to choose from.
Our Travel Insurance policy is available for all ages between 3 months – 70 years
Our Travel Plans provide coverage to travel trips as short as 1- 4 days.
No, there is no medical examination required upto the age of 70 years.
For any insured, having adverse history shall have to submit medical reports irrespective of trip band.
For any insured, having
adverse history
- Blood Sugar PP & Fasting
- ECG report with tracing
- Echo Cardiograhy report
- USG Whole Abdomen
- Doctors certificate with all details of past ailment & present medication, if any
Doctor’s certificate for fitness to travel
In case the proposer is unable to submit the medical reports, the medical Sum Insured will be restricted to US$ 10,000 for all plans.
This policy does not cover pre-existing diseases. A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy
Foreign nationals working in India with Indian employers of multinational companies, getting salary in INR can be covered subject to verification of Ration Card and IT Verification.
Extensions are applicable to original policies of 30 days or more and provided only if the Policy is still in force.
The Policy may be extended maximum upto Seven Days. The total policy period including extension should not exceed 360 days.
Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxemburg, Netherlands.
However for a safe and peaceful trip,we recommend that you have to take a Travel insurance policy even if you are travelling to countries apart from these.
The Policy may be cancelled online only if the Journey has not commenced subject to premium retention of Rs. 250/- (including Service Tax). Passport copy has to be submitted as proof. Any request for cancellation will be entertained not less than 14 days after the first date of insurance as indicated in the policy schedule.
No refund is allowed after start of Journey. No refund is allowed for curtailment of risk.
In the event of a covered emergency and to register claims, call the Assistance provider,
International SOS 24 hour Help Center and quote Policy Holders’ Name, Policy Number, Insurance Company, Passport Number when seeking assistance within 24 Hours.
The contact details are:
Email: hdfcergo@internationalsos.com
Ph no: 91 11 - 4189 8872
Fax: 91 11 - 4189 8801
On registration of a claim, claim form will be forwarded to by mail, email or fax along with the intimation for the various documents required. The forms are also available on the website.
One has to contact the International SOS immediately on Hospitalization. They also provide the necessary information to deal with any problem regarding claims.
Yes we extend Cashless Facility for hospitalization.
There are no standard lists of Hospitals. The Insured needs to intimate the International SOS immediately on admission so that cashless facility may be extended to him by the assistance provider.
Except in the case of Hospitalization, claims are settled once the Insured is back in India
'Financial Emergency' means a situation wherein the Insured loses all or a substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. Under this benefit the insured is provided with Emergency Cash Assistance upto the limit stated in the Policy. This is an assistance provided by the company through the service provider.
Yes, passport loss is covered in the policy. It is covered under the benefit of ‘Loss of personal documents’. The assistance provider helps in contacting the consular authorities in case of the loss or theft of an Insured Person’s passport, and arranging for its replacement.
The Company shall not be liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, debit or credit cards
This benefit will reimburse the Insured Person the cost of replacement of the articles if the Checked in Baggage or Personal Documents are permanently damaged or lost.
This benefit will reimburse the Insured Person the cost of replacement of the articles if the Checked in Baggage or
Personal Documents are delayed or misdirected.
No, if later the baggage and/or personal belongings are lost, then any amount claimed and paid to an Insured Person
under the Baggage Delay Section will be deducted from any payment under the Baggage Loss Section
Emergency Medical Expenses includes ambulance service (to or from the Hospital).
Emergency Medical Evacuation means arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency.
If the Common Carrier in which the insured Person is aboard is hijacked, the Company agrees to pay to the Compensation for every six (6) continuous hours in excess of the Deductible.