Travel Insurance - Your Safety Net at Foreign Shores

Yes, we will reimburse the Insured Person for non-refundable flight cancellation expenses incurred in the event of a flight cancellation.

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.
Source : https://www.hdfcergo.com/docs/default-source/downloads/prospectus/travel/hdfc-ergo-explorer-p.pdf

Your HDFC ERGO travel insurance plan covers a wide range of medical emergencies, baggage-related emergencies and journey-related issues.
In the medical emergency coverage, you can rest assured that your policy covers emergency medical and dental expenses, medical evacuation, hospital daily cash allowance, accidental death and even medical/body repatriation.
As for baggage troubles, we have you covered in case of loss or delay of checked-in baggage and loss of personal documents. Flight delays, financial emergency assistance, hijacking, personal liability and hotel accommodation are also other benefits you’ll enjoy with our travel insurance plan.
Source: HDFC ERGO site - ‘what’s covered’ section

No. The HDFC ERGO travel insurance policy does not cover any expenses related to the treatment of a pre existing disease or condition in the duration of your insured trip.

Currently we cannot extend the policy

Generally, the total policy period, including extensions if any, should not exceed 360 days. However, the limits may vary for specific plans, as explained below.

No. The HDFC ERGO travel insurance policy does not come with a free-look period.

Grace period is not applicable to any cover for travel insurance policy.

We understand that during any emergency financial distress, the sooner we can assist you, the better you’ll be able to get through the crisis. That’s why we settle your claims in record time. While the exact length of the period varies from case to case, we ensure that your claims are quickly settled upon the receipt of the original documents.

The kind of documentation depends greatly on the nature of the insured incident that has occured. In case of any loss covered by the travel policy, the following proof must be submitted.

1. The Policy Number
2. The preliminary medical report describing the nature and extent of all injuries or illnesses, and providing a precise diagnosis
3. All invoices, bills, prescriptions, hospital certificates which will permit us to accurately determine the total amount of medical expenses (if applicable) incurred
4. In the case another party was involved (like in the case of a car collision), the names, contact details and if possible, the insurance details of the other party
5. In the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents establishing the identity of any and all beneficiaries
6. Proof of age, where applicable
7. Any such other information we may require to handle the claim

In case of any accident covered by the travel policy, the following proof must be submitted.
1. Detailed circumstances of the accident and the names of witnesses, if any
2. Any police reports concerning the accident
3. The date a physician was seen consulted for the injury
4. The contact details of that physician

In case of any sickness covered by the travel policy, the following proof must be submitted.
1. The date on which the symptoms of the sickness began
2. The date on which a physician was consulted for the sickness
3. The contact details of that physician

Losing your baggage during your trip can be inconvenient, because you may need to replace a lot of essentials and spend out of pocket. With a travel insurance policy, you can cushion the financial impact of such a loss.
If you lose your baggage during the period the insurance cover is valid, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours.

Here are our contact details.
Landline:+ 91 - 120 - 4507250 (Chargeable)
Fax: + 91 - 120 - 6691600
Email: travelclaims@hdfcergo.com
Toll free no.+ 800 08250825
You can also visit this blog for more information.

In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours.

Here are our contact details.
Landline:+ 91 - 120 - 4507250 (Chargeable)
Fax: + 91 - 120 - 6691600
Email: travelclaims@hdfcergo.com
Toll free no.+ 800 08250825

Only AMT policies can be renewed. Single trip policies cannot be renewed. Extension of single trip policies can be done online.

Ideally, it would be best if you buy a travel insurance plan like HDFC ERGO's International Travel plan, which covers coronavirus hospitalisation before embarking on your journey. Your travel insurance covers you from the first day of your journey till you return to India. However, it might not be possible to buy one while you are overseas and reap its benefits. So, make it a point to buy your travel medical insurance ahead of time. To avoid last minute hassles buy your insurance as soon as you book tickets for your destination.

No, travel insurance doesn’t cover a Positive PCR Test if detected before your journey. However, hospital expenses, medical reimbursements and cashless treatment in network hospitals are provided as mentioned under your travel insurance policy if you get infected with coronavirus while travelling.

No, flight cancellations due to COVID-19 infection are not covered under HDFC ERGO’s International Travel Plan.

While buying Travel Insurance online, you can opt for Individual Travel Insurance, Family Travel Insurance or Student Travel Insurance, depending on your need and how you plan to travel. Depending on the sum you want to insure, you can also choose from our Gold, Silver, Platinum, and Titanium plans. However, you don’t have to pay extra for COVID-19 coverage. You will be covered for the same in any of the travel plans you choose.