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Going on a Family Trip? Stay Covered with HDFC ERGO Travel Insurance

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Published on August 27, 2021. EST READ TIME: 3 minutes



Travelling to a new place, be it in India or abroad, can be exciting and a wonderful learning experience. From exploring popular attractions and meeting new people to learning about different cultures and trying lip-smacking cuisines, a trip has so much to offer. And when you are travelling with your family, the joy simply doubles!

However, no one knows when unwanted situations might crop up, be it a medical emergency, loss of checked-in baggage or passport, flight delay or cancellation, or third-party liability. This is the reason why you need to buy family travel insurance online from HDFC ERGO. It will cover you financially against all unforeseen events.

What is family travel insurance?

A family travel insurance policy is a single insurance plan that covers all your family members. The plan acts as a safety net against the possible risks and uncertainties that you may face during a trip. In case you find yourself in an unpleasant situation, such as baggage loss, personal liability or medical emergency, your insurer will come to your rescue. They will provide all possible assistance and compensate you for the financial loss you might suffer.

Why should you buy travel insurance for your family?

Travel insurance for family covers a wide range of trip-related contingencies and keeps you and your loved ones safe. If you are travelling to a foreign country, a simple medical procedure can cost you a lot and leave you worried. However, if you have travel insurance, the insurance company will cover your hospital bills. You can also avail cashless treatment in a network hospital and keep your trip budget intact.

Similarly, in case your flight gets delayed or your baggage gets lost, the insurer will reimburse you for the essentials you had to purchase for all family members. Hence, buying travel insurance online for the family will help you deal with any stressful situation easily.

Advantages of HDFC ERGO family travel insurance policy

1. Worldwide coverage:

   The insurance plan offers worldwide coverage to all family members. So, in case you fall sick in a foreign land or lose your baggage and important documents, the insurer will cover the associated expenses.

2. One policy for all:

   You can cover all family members (maximum 6, including spouse, 2 children and parents) under one plan. This saves you from the hassles of taking and managing separate travel insurance policies.

3. Affordable premium:

   One policy for all works out to be more feasible in terms of premium as well.

4. Pay only for the days you travel:

   You can take travel insurance for only the number of days you plan to travel and pay easily on a per day basis.

5. Different options:

   The insurer offers different plans for single and multiple international trips. You can also take travel medical insurance and secure yourself and your family against emergency medical expenses, dental treatments, hospital daily cash and more.

6. Easy to buy:

   You can easily buy HDFC ERGO family travel insurance online from the comfort of your home, with minimum documentation.

7. Round the clock assistance:

   The insurer offers round the clock assistance in case of emergencies, such as medical issues and loss of passport.

Inclusions and exclusions of HDFC ERGO family travel insurance

The travel insurance plan covers:

• Medical-related expenses:

  In case you experience any medical emergency in a foreign land, the insurer will cover the expenses. Apart from this, your HDFC ERGO family travel insurance plan will cover:
  • Emergency dental expenses
  • Medical evacuation
  • Hospital daily cash allowance
  • Accidental death
  • Medical and body repatriation
  • Permanent disablement

     

• Baggage-related coverage:

  The travel plan also offers baggage-related benefits, such as:
  • Loss of baggage and personal documents, like passport
  • Loss of checked-in baggage
  • Delay in receiving checked-in baggage

   

• Journey-related coverage:

  HDFC ERGO family travel insurance also compensates you for:
  • Personal liability for third-party damage
  • Distress caused due to flight hijack

  Exclusions

  Your family travel insurance plan will not cover the following:

• Pre-existing conditions
• Any medical condition related to war, criminal act, or a breach of law
• Health and other issues related to the consumption of banned or intoxicating substances
• Cost of cosmetic or obesity treatment
• Self-inflicted injury or suicide attempt
• Injury related to sky diving, bungee jumping, and other adventure sports

How to buy HDFC ERGO travel insurance for your family trip?

You can easily take HDFC ERGO family travel insurance online with minimum documentation. The insurer does not require any kind of health check-up before you buy a travel plan.

Follow these simple steps to buy family travel insurance online:

• Go to https://www.hdfcergo.com/travel-insurance/family-travel-insurance-policy and click on “Buy Now”.
• Next, you need to fill in the required travel details, like the age of every family member travelling with you, countries you plan to visit, departure and return dates, etc.
• You will then be asked to choose a plan, fill in details and make the payment.
• The insurer will then verify your online form and send your family travel insurance plan to your inbox.

Conclusion

HDFC ERGO family travel insurance is a great option for a stress-free trip. The insurer has a long list of network hospitals and many travel channels in different countries. Hence, in case you face any medical, journey or baggage-related issues during your trip, the insurer is just a call away. So, remember to buy HDFC ERGO travel insurance online before you embark on a family vacationand stay covered against uncertainties.

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

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