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Your vacations are meant to be memorable, secure it with HDFC ERGO travel insurance

Travel Insurance

Your international trip planning gets completed with a valid travel insurance plan. Choose HDFC ERGO Travel Insurance to secure your overseas trip. Be it a vacation with family or an important business meeting, we cover every trip type seamlessly with our vast list of coverage and 1 lac+ cashless hospitals present worldwide.

Reasons to buy HDFC ERGO Travel Insurance

No Medical Tests

You can buy a travel insurance with HDFC ERGO without undergoing pre-policy medical check-ups.

1 Lakh+ Cashless Network Hospitals Worldwide

With a wide reach all over the world we make sure you avail cashless medical facilities in a foreign land.

24x7 Worldwide Assistance

With in-house customer support and claim assistance team you can reach out to us at any time and we will cater to your queries instantly.

Hassle-Free Claim Process

We are prompt in settling claims, make sure all your documents are kept safely and we will settle claims seamlessly.

WHAT'S INCLUDED?

Medical Related Coverage

Emergency medical expenses

For my:health Suraksha Health Insurance you get an additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.

Emergency dental expenses

We cover emergency medical expenses if that happens due to illness or an accident.

Medical evacuation

We will literally get you out of distressing situations with emergency medical evacuation via air/surface to the nearest hospital.

Hospital daily cash allowance

Petty hospitalisation expenses can eat into your trip money. Although medical expenses will get covered seamlessly, with hospital daily cash we look at reimbursing those little expenses as well.

Medical & Body Repatriation

If any of the insured member suffers from mental illness, the expenses for hospitalization gets covered in this health insurance plan.

Accidental death

We are with you not just in sickness and health but also in case of an accidental death. We will provide a lump-sum compensation to your family under such unfortunate circumstance.

Permanent Disablement

If an unfortunate accident causes permanent disability, we’ll provide a lump-sum compensation to make things a little easier for you.

BAGGAGE RELATED COVERAGE?

Loss of Baggage & Personal Documents

You don’t want to be in a foreign country without your passport, right? Neither do we, so we will reimburse the expenses for getting a duplicate/new passport.

Loss of checked-in baggage

What’s the point of vacation shopping if your luggage gets lost? Don’t worry, we’ll compensate you for the loss of your checked-in baggage.

Delay of checked-in baggage

You are travelling to have fun and not to wait at the baggage collection. So, if your luggage gets delayed, we’ll reimburse you for the essentials while things get sorted. Journey-related coverage

Personal liability

In a foreign land if you are accidentally liable for any third party damage, we will compensate you for the same.

Financial Emergency Assistance

Even on a solo travel you are not alone. We’ll provide emergency cash in case of robbery, theft, or dacoity.

Hijack Distress Allowance

We might not be able to rescue a hijacked flight, but we’ll definitely compensate you for the distress it causes you.

Flight delay

Flight delays are annoying, right? We will make it a little less so by reimbursing you for the essential purchases you make in the meanwhile.

Hotel Accommodation

Let us take care of your extended hotel accommodation while you recover from your medical emergency.

What’s not included in HDFC ERGO Travel Insurance

Breach of Law

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

Consumption of Intoxicant substances

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

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

Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

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

Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

FAQS

1. There are so many plans. How do one decide the best option?

Go for the plan that suits you the most like if you are travelling alone, then go for individual plan. In case you are travelling with your family, opt for family floater plan to cover your entire family in a single policy. If you are a frequent traveller, you can avoid the hassle of buying travel insurance for every trip by opting for Annual Multi-trip plan. If you are travelling abroad for further studies, then student plan gives you a perfect cover for the duration you are studying.

2. What should I do in case I am stuck in the foreign land due to unforeseen circumstances?

You can easily extend the policy online before the policy expiry date and stay covered for the extended period. With HDFC Ergo Travel Insurance plans, you can extend the policy multiple times for a maximum of 360 days from the initial policy start date.

3. I already purchased a travel policy from HDFC ERGO, but there seems to be some change in my travel dates. Can I alter/change my travel dates in the policy?

Yes, you can change your travel dates anytime before the policy start date to a later date.

4. I forgot to purchase a travel insurance policy and I am already out of the country. Can I still buy travel insurance policy?

Unfortunately no. Your policy start date & purchase date cannot be later than your trip commencement date.

5. I am travelling out of the country for good. Can I buy Travel Insurance policy for a specific period of time till I get my local insurance activated?

No. Travel Insurance policy is for those who plan to come back to India and where the purpose of travel is leisure holidaying, business & studies.

6. I returned earlier than what I initially planned for. I would like to know if I can get premium refund for the unused policy period?

Travel Insurance ends either on the policy end date as mentioned in the policy or return date whichever is earlier. Hence, there won't be any premium refund in case you come earlier than planned.

7. I am an OCI card holder (Overseas Citizen of India). Can I buy a travel Insurance policy?

As long as you have an active Indian Passport and you plan to return to India, you can buy travel insurance policy.

8. I have to cancel my trip, but I already bought the policy. Can I cancel travel insurance? Are there any cancellation charges?

You can cancel your travel Insurance anytime before the policy start date. In case we receive Travel insurance cancellation request after the commencement of the policy date, photocopy of all pages of passport will be required as a proof that you have not travelled. Cancellation charge of Rs 250/- is levied on all cancellation requests.

9. I am pretty healthy, but in case I need an emergency medical attention on an OPD basis, will I be covered ?

Yes, our policy will reimburse for the emergency medical expenses due to sickness or injury on OPD basis.

10. Who are the travel assistance partners ?

Allianz Worldwide are our travel assistance partners. They have a vast network of 8 lacs+ service providers with 24x7 service capabilities.

11. How do I make changes in my policy details after receiving the policy documents ?

You can change your policy details online through our website hdfcergo.com. Visit the 'HELP' section on the website and place a request. To place request or explore services, click here



Terms and Conditions Applied. #1 Crore+ Active Customers upto September -2019© HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146 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 +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. 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 Ltd and ERGO International AG and used by the Company under license. CIN: U66030MH2007PLC177117.