A long drawn vacation, a business trip or studying abroad, no matter what is the
reason, travelling abroad is full of excitement. With fun and excitement comes the
responsibility to make your journey safe. Your desire to travel without worries
is what an effective travel insurance yearns to achieve. Be it a loss of passport
or a sudden ailment or even loss/delay of your baggage, travel insurance ensures
that your journey remains worry free and you enjoy to the fullest!
HDFC ERGO Travel Insurance
With HDFC ERGO Travel Insurance, enables you to explore and enjoy new destinations
with heartiness. With its wide range of travel insurance plans that encompasses
both business and leisure travel, we always have a plan that will best suit your
travelling purpose and that too at a cost that is soft on your budget. So, be rest
assured and enjoy your travelling abroad without worries.
- Entry Age:
- Rest assured on our international travel assistance provider on call 24*7
- Optimum Coverage at Low Costs
- Online purchase option available
General Covers available across all our plans are as follows:-
- Emergency Medical Expenses: Covers medical costs incurred due to
illness or accident including medically necessary and prescribed emergency evacuation.
It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as
described in the policy schedule.
- Emergency Medical Evacuation: Evacuation to the home country is
covered up to the medical sum insured chosen.
- Repatriation of remains: Covers the funeral expenses or expenses
of repatriating the remains back to India, in case of death of the insured overseas
- Emergency Dental Expenses: Covers acute anesthetic treatment of
natural teeth
- Hospital Cash: Pays a daily allowance as stated in the policy schedule
in the event of hospitalization either due to sickness or accidents.
- Accidental Death and Permanent Total Disability - Common Carrier:
The company will pay the sum insured specified stated in the schedule in addition
to the sum insured specified under the Personal Accident Section, if the insured
sustains Accidental Bodily Injury during the course of the journey while travelling
in a common carrier such as rail, bus, tram, or aircraft; and such bodily injury
results in death or permanent total disability.
- Personal Accident: Compensation paid in case of death or permanent
total disability caused to an accident.
- Flight Delay: Compensation if the aircraft is delayed for more
than 12 hours than the original scheduled departure time.
- Loss of Passport: Expenses incurred in obtaining a fresh or new
passport
- Loss of Checked Baggage: Compensation for the permanent loss of
checked-in baggage
- Delay of Checked Baggage: Compensation for reasonable expenses
incurred for the purchase of toiletries, clothing and medication due to delay of
checked-in baggage for more than 12 hours.
- Personal Liability: Compensation of damages to be paid to a third
party, resulting from death, injury or damage to health or property caused involuntarily
by the insured.
- Financial Emergency Assistance: Insurance cover is provided in
the event of the Insured Person getting into a financial emergency due to theft,
pilferage, robbery or dacoity of his/her travel funds. A fixed sum is paid as emergency
assistance up to the limits specified under the Policy.
- Hotel Accomodation: Pays for the cost of Hotel accomodation, if
the Insured Person sustains Bodily Injury or Sickness which directly and independently
of all other causes results in a Hospital stay as an in-patient and misses his/her
flight back to the country of residence.
- Hijack Distress Allowance: Insurance cover is provided in the event
of the hijack of the air or sea common carrier in which the Insured Person is traveling
whilst on the trip abroad during the Period of Insurance. An allowance will be paid
for each day of the hijack up to the limits specified under the Policy.
The company shall not be liable to pay any benefit to the Insured caused due to:
- Civil War or Foreign War
- Terrorism
- Self Inflicted Injury, Suicide
- Non adherence to medical advice
- Under Influence of Liquor, Drugs or Narcotics (Unless advised/administered by a
physician)
- Participation in any Sport as a Professional Player
- Participation in any Criminal Act
- AIDS or HIV
- Treatment of Nervous and Mental Problems
- Participating in hazardous sports like parachuting, hang gliding, bungee jumping
etc.
*Please note these are illustrative exclusions. For a detailed list, kindly refer
the policy wordings.
*This content is descriptive only. Actual coverage is subject to language policy
issued.