Claim process

For seamless processing of claims make sure to submit below details

  • Provide NEFT details in the claim form along with cancelled cheque.
  • Provide KYC ( Know your customer ) form along with photocopy of any one of following KYC documents for all claims amounting to Rs 1 lakh and above. For KYC Form Click Here.
  • KYC Documents: Aadhaar Card, Passport, Driving Licence Voter ID , etc.

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How to file a Claim

  • While abroad, look for our Network Hospitals in case of medical emergencies.
  • If you are abroad, please contact +800 08250825 (International Toll Free). Incase you are dialling from India, please contact 01204507250 (Chargeable).
  • Our Claims Service Representative will guide you on the claim procedures and documents required.
  • A claim form will be forwarded to you by mail, email or fax.
  • Complete the claim form relevant to the nature of loss as indicated below.
  • Kindly mail us scanned images of your claim documents on processing@hdfcergo.com, with cc to travelclaims@hdfcergo.com or fax us on +91-120-6691600 within 30 days from date of loss.
  • Attach the documents mentioned against the claim type.

Documents required for Claims :

Accidental Death
  • Attached Claim form duly completed (Page 1,2,3 with Section B, Section C -mandatory).
  • Consultation Note OR Emergency Room's doctor medical report OR Relevant Treatment Papers OR Discharge Summary. (Mandatory Document).
  • Copy of the passport showing the date of entry journey from India.
  • All relevant Original Invoices for the expenses incurred.
  • Receipt OR Any other document suggestive of payment made to the hospital.
  • Postmortem Report or Coroner’s Report.
  • Death Certificate.
  • Final police inspection report.
  • Copy of cancelled cheque.
Emergency Medical Expenses
  • Attached Claim form duly completed (Page 1,2,3 with Section B, Section C -mandatory).
  • Consultation note or Emergency Room's doctor medical report.
  • Relevant treatment papers or Discharge Summary.
  • Copy of the passport showing the date of entry and exit related to journey (to & fro) from India.
  • All relevant Original Invoices for the expenses incurred.
  • Payment receipt for all invoices OR any other document suggestive of payment made to the hospital.
  • Copy of cancelled cheque.
Emergency Dental Treatment
  • Attached Claim form (Page 1,2,3 with Section B, Section C -mandatory) duly completed and signed by the claimant.
  • Consultation note or Emergency Room's doctor medical report.
  • Relevant treatment papers or Discharge Summary.
  • Copy of the passport showing the date of entry and exit related to journey (to & fro) from India.
  • All relevant Original Invoices for the expenses incurred.
  • Copy of cancelled cheque
Loss Of Baggage & Personal Documents
  • Attached Claim Form (Page 1,2,3 with Section F) duly completed and signed by the Insured.
  • Original FIR Report to be obtained from the relevant police authority in the event of loss or theft.
  • Copy of the old passport of the employee, if available. (In case of loss of passport).
  • For claims involving jewelry, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance.
  • Original embassy receipts OR Passport office Receipts for the replacement of Passport. (In case of loss of passport).
  • Emergency travel certificate. (In case of loss of passport).
  • Copy of the new passport. (In case of loss of passport).
  • Copy of cancelled cheque.
    Please Note: Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.
Checked Baggage Loss (Including Baggage Damage)
  • Attached Claim Form (Page 1,2,3 with Section D) duly completed and signed by the Insured.
  • Original Property Irregularity Report (PIR) from airlines.
  • Claim form submitted to airlines, mentioning the details items lost/damaged, with their respective cost. (Mandatory).
  • Baggage Loss/Damage Report OR letter from airlines OR any other document from airlines confirming the loss of items.
  • Copies of Boarding Pass, Ticket and Baggage tags.
  • Copy of Passport showing the date of entry and exit related to journey (to & fro) from India.
  • Details of Compensation received from Airlines If Any.
  • Original Bills/Receipts for the items lost.
  • Copy of cancelled cheque.
Baggage Delay
  • Claim Form (Page 1,2,3 with Section F – duly completed and signed by the Insured.
  • Original Property Irregularity Report (PIR) mentioning the date and time of loss.
  • Letter from airlines mentioning the duration for which baggage delay has taken Place or any other document suggestive of proof of period for which baggage delay has taken place. (Mandatory).
  • Copies of Boarding Pass, Ticket and Baggage tags.
  • Copy of Passport showing the date of entry and exit related to journey (to & fro) from India.
  • Details of compensation received from airlines If any.
  • Original Bills/Receipts/Invoices for the necessary emergency purchases of toiletries, medication and clothing that he/she needed to buy during the period of baggage delay.(Mandatory)
  • Copy of cancelled cheque
    Please Note: Claim payment can be made only against the receipts for expenses directly resulting from baggage delay.
Trip Cancellation
  • Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant.
  • Letter from insured mentioning the reason of trip cancellation with related proof.
  • Proof of travel and accomodation expenses made in advance for the trip.
  • Details of refundable amount from the airlines for tavel tickets.
  • Copy of cancelled cheque.
Trip Interruption
  • Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant.
  • Letter from insured mentioning the reason of trip cancellation with related proof.
  • Proof of travel and accomodation expenses made in advance for the trip.
  • Details of refundable amount from the airlines, hotel booked in advance.
  • Copy of cancelled cheque.
Loss of Cash
  • Attached Claim form (Page 1,2,3 ) duly completed and signed by the claimant.
  • Original/Photo Copy of FIR Report to be obtained from the relevant police authority in the event of loss or theft. This is a written proof confirming that the loss has occurred due to theft.
  • Documentation of Cash withdrawal/Travelers cheques, occurring within seventy-two (72) hours of the commencement of an Insured Journey that supports the amount of the claim.
  • Details of refundable amount from the airlines for tavel tickets.
  • Copy of the passport showing the date of entry and exit related to journey (to & fro) from India.
  • Copy of cancelled cheque.
Flight Delay
  • Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant.
  • Invoices related to List of essential purchases made, such as meals, refreshments or other related expenses directly resulting from the flight delay. (mandatory)
  • Confirmation letter from the airlines clearly stating the duration and the reason for flight delay (Mandatory)
  • Copies of Boarding Pass, Ticket.
  • Copy of cancelled cheque.
    Please Note: Claim payment can be made only against the receipts for expenses directly resulting from flight delay.
  • Documents, in addition to those mentioned above maybe called for, depending on the nature of accident and claim lodged.
  • Please retain a copy of the documents sent for your records.
  • You may also send the claim form with annexures to our Claims Processing Cell at the following address :
    HDFC ERGO General Insurance Company Limited
    6th Floor, Leela Business Park,
    Andheri Kurla Road,
    Andheri – East,
    Mumbai- 400 059,
    India

" All claims are subject to approval by Surveyor appointed by HDFC ERGO GIC LTD "
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