Travel Insurance Plans

Flight cancellation is not covered by the travel insurance plan, but flight delays sure are. If the flight on which you’re due to travel is delayed in excess of the deductible amounts, then we’ll reimburse the rest, up to the amount stated in the policy. This is valid for essential purchases, such as meals, refreshments.

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.

Accommodation or re-booking expenses resulting from a Quarantine are not covered.

Yes, of course you can. Extending your travel insurance policy is possible, subject to the following conditions.

• The original policy period has not expired.
• There is no claim on the original policy.
• The sum insured will not be enhanced upon extending the plan.
• You will need to provide a declaration of good health.
• Such extension can be done only once for each policy.
• The extension premium has to be paid before the actual extension is effected.

You can extend your travel insurance policy once. The period of extension depends on the details of the trip.

• Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.

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.

• Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.

The exact amount of the extension premium depends on many factors like the period of extension, the destination of the trip, the number of people covered, and other aspects of the cover. Simply put, it varies on a case-to-case basis.
To extend your policy, you can visit this link. Alternatively, you could als send a mail to us at care@hdfcergo.com. You will receive a response from our end, detailing the procedure and giving you the details of the additional premium to be paid.

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.

The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.

There are sub-limits applicable for availing travel insurance policy for Schengen countries. Please refer the policy documents to know that sub-limits.

No, the product does not offer any refund for early returns.

Yes. HDFC ERGO allows you to extend your travel insurance cover by paying an additional premium as long as the existing plan remains unexpired and no claims have been raised. Extension can be taken for a maximum of 180 days. Also, Total period of cover (base policy + extension) should not exceed 360 days.

A cancellation charge of Rs 250 will be levied if you cancel your HDFC ERGO travel insurance, irrespective of whether you raise the request before or after your trip begins.

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

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

No. You cannot extend the existing HDFC ERGO travel insurance policy if you have already raised a claim on it.

The claim is settled in three working days from the date of receiving the last documents for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).

Documents required for filing a travel insurance claim are the same as Emergency Medical Expenses, which will only cover expenses for patients who test positive for COVID-19. It will not cover expenses for home quarantine or quarantine in the hotel.

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