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Types of Travel Insurance for UK
Travel Plans for Individual
This travel plan is designed for solo travellers visiting a foreign country, which in this case is UK. With the HDFC ERGO individual travel insurance for UK as your trusted companion, you will never be alone in your time of need.
Travel plan for Families
This plan protects families against unforeseen circumstances that they might face during their international holidays in UK. It means that instead of paying premiums for separate travel insurance for each individual, you can secure all members of your family under a single policy during the trip.
Travel plan for Students
The HDFC ERGO student travel insurance plan is for students who are planning a short stay in UK for study purposes. Managing studies while dealing with common medical, baggage and stay-related issues without the backing of travel insurance can be very challenging.
Travel plan for Frequent Fliers
This plan for frequent travellers is designed to cover multiple trips within a predetermined period under a single policy. This way, you won't have to purchase new travel insurance policies or tackle paperwork every time you go on a different trip.
Travel Plan for Senior Citizens
The senior citizen travel insurance for UK offers coverage against unforeseen events that older adults may face during their international trips. This way, they can seamlessly enjoy their trip without the need to worry about common medical, baggage and journey-related contingencies.
Benefits of Buying Travel Insurance for the UK
Travel insurance offers a safety net for unexpected events during your trip. Here are some key benefits of purchasing travel insurance for your UK trip:
Coverage Against Medical Emergencies
Travel insurance for UK ensures that you stay financially covered against emergency medical situations that can cause massive hindrances during your foreign trip. With the backing of this policy, you can easily tackle and resolve inconveniences like emergency dental and medical expenses, medical evacuation, hospital daily cash allowance, etc., and get back to what's important.
Coverage Against Non-Medical Emergencies
Besides medical emergencies, another crucial benefit of investing in travel insurance for UK from India is that it will also keep you safe against a number of non-medical emergencies. This includes journey-related inconveniences, such as personal liability, hijack distress allowance, flight delays, etc., and baggage-related hassles, like delay of checked-in baggage, loss of baggage and personal documents, etc.
Hassle-Free Travel
UK travel insurance offered by HDFC ERGO covers individuals and families against a variety of contingencies. It not only acts as a financial safeguard but also offers peace of mind to individuals so they can enjoy their trip worry-free. Also, thanks to the internet, getting travel insurance for UK has become more convenient than ever.
Round-The-Clock Support In Times Of Need
Loss of passport or baggage, medical and dental emergencies, theft of personal belongings, etc., in a foreign land, are more common than you think. With HDFC ERGO's travel insurance for UK, individuals get access to a 24x7 customer care support and claim approval team for quick help during their time of need.
Good For The Pocket
Travel insurance for UK is quite affordable, considering the coverage and benefits it offers. Individuals can now just pay for the specific number of days they travel and choose from the offered coverage type that fits their budget. Also, the financial coverage it offers against contingencies will make sure that you don’t exceed your travel budget under emergencies.
Cashless Medical Service
Besides reimbursements on emergency medical and hospitalisation-related expenses, individuals can enjoy fast and cashless medical service from a number of network hospitals in UK with their HDFC ERGO travel insurance. Without international travel insurance, getting treatment for medical emergencies in a foreign land can turn out to be a nightmare.
What's Covered under Travel Insurance for UK from India
Emergency Medical Expenses
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.
Dental Expenses
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
Personal Accident
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
Personal Accident : Common Carrier
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
Hospital cash - accident & illness
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight Delay & Cancellation
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
Trip Delay & Cancellation
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Loss of Passport & International driving license
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Trip Curtailment
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
Personal Liability
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Emergency Hotel Accommodation for Insured Person
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Missed Flight Connection
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Hijack Distress Allowance
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
Emergency Cash Assistance Service
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Loss Of Checked-In Baggage
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Delay of Checked-In Baggage
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage and its contents
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
UK Visa Documents and Requirements for Indians
If you're planning to visit the UK as a tourist, ensure you have the following documents ready:
• A valid passport
• 2 photographs, as per regulations
• Proof of legal residence - ID card, passport
• Proof of previous travel history - copy of visa
• Complete travel itinerary
• Proof of accommodation - hotel bookings, Invitation letter from the host
• Proof of employment or studies -
◦ If employed
▪ Employment contract's copy or Employee ID card copy
▪ Letter from employer stating sanction of leave for the travel period
▪ NOC (No objection certificate) from the company
◦ If self-employed
▪ A copy of the business license
▪ Copy in the commerce register or as a partner in a company
◦ If student
▪ Letter granting leave for the travel period, or NOC
▪ Proof of admission
◦ If retired
▪ Pension statement of the latest 6 months
▪ Copy of Retirement letter/relieving letter
▪ Proof of funds to support the stay - Bank Statements for the last 6 months/ Passbook
▪ Proof of ties in the home country - Rent agreement, proof of bank accounts, etc.
UK Safety And Precautionary Measures To Be Undertaken
While the UK is generally safe for tourists, it's essential to stay vigilant and follow common safety precautions:
• Keep your belongings secure, especially in crowded areas.
• Be cautious when crossing roads, as traffic flows on the left side.
• Stay updated on local news and any travel advisories.
Covid-19 travel specific travel guidelines
• Wear a face mask in public places and while using public transportation.
• Maintain personal hygiene and safe distancing in crowded tourist areas.
• Learn about the latest regional Covid-19 guidelines and rules and follow them.
• Comply with the local authorities if you develop any symptoms.
Local Law and Etiquette in the UK
Adhere to local laws and customs in the UK:
• Queue patiently in public places.
• Tipping is customary, typically 10-15% in restaurants.
• Always greet with a polite "please" and "thank you."
• Respect the local culture and customs.
Money Saving Tips in the UK
Make the most of your UK visit without breaking the bank:
• Use public transportation for cost-effective travel.
• Look for discounts and vouchers for attractions.
• Enjoy free museums and parks.
• Consider staying in budget-friendly accommodations.
• Try local street food and markets for affordable dining.