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Travel Insurance Plans

A lot of planning is done before selecting a holiday destination abroad, international hotels, international flights, etc. However, who will ensure that your vacation is a success? A travel insurance plan will ensure that your vacation is hassle-free. Whether you happen to lose your baggage or passport, or whether u need any kind of medical support on your trip, an overseas travel insurance will make sure that you get what you need. So plan up, buy a travel insurance policy and go on your trips without any worries With HDFC ERGO Travel Insurance, you have the option to explore and enjoy newer destinations whole-heartedly. With our wide range of travel insurance plans that spans both leisure and business travels, we always have a plan that will best suit your travelling purpose at affordable cost.

  • Individual Travel Insurance Plan - HDFC ERGO

    Individual Travel Insurance

    HDFC ERGO International Individual Travel Insurance ensures your safety against any emergency expenses. HDFC ERGO Travel policy will assist you on your trip if you lose your baggage or need any medical support

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  • Family Travel Insurance Plan - HDFC ERGO

    Family Travel Insurance

    HDFC ERGO’s International Family Travel Insurance plans are tailored to protect you, your family & budget. Travel with peace of mind anywhere in the world with our Family Travel Insurance covers.

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  • Student Travel Insurance Plan - HDFC ERGO

    Student Travel Insurance

    Now Studying abroad has become safer with HDFC ERGO’s International Student Suraksha – Student Overseas travel insurance your child can study abroad without worrying about safety & medical expenses.

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International Travel Insurance

We put a lot into planning the perfect vacation abroad. However, to make sure that our vacation is a complete success, travel insurance is an absolute necessity. Your trip abroad should be without hassles and worries, and a comprehensive travel insurance policy provides you with the same. Whether you lose your baggage or passport, or even need some medical support on your trip, overseas travel insurance will make sure you get what you need. Go on your vacation without any worries in the back of your mind, buy a travel insurance policy.

If you are planning your next business/family trip to Schengen countries, travel insurance is mandatory for Schengen Visa. HDFC ERGO offers online travel insurance plans for Schengen countries. Click here for list of Schengen Countries
Now easily calculate your Schengen travel insurance premium using our calculator and have a secured overseas journey.

HDFC ERGO Travel Insurance

With HDFC ERGO Travel Insurance, enables you to explore and enjoy new destinations with heartiness. With its wide range of travel insurance plans that encompasses both business and leisure travel, we always have a plan that will best suit your travelling purpose and that too at a cost that is soft on your budget. So, be rest assured and enjoy your travelling abroad without worries.

  • Various travel insurance plan options across geographies including schengen countries and length of travel to suit every need
  • Buy travel insurance policy online instantly in 3 easy steps
  • Enjoy optimum coverage at the most affordable price
  • Enjoy 24*7 HDFC ERGO’s international travel assistance support
  • Manage your overseas travel insurance policy online to match policy period with your travel dates

General covers available across all our international travel insurance plans are as follows

  • Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as described in the policy schedule
  • Emergency Medical Evacuation: Evacuation to the home country is covered up to the medical sum insured chosen
  • Repatriation of remains: Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death of the insured overseas
  • Emergency Dental Expenses: Covers acute Anaesthetic treatment of natural teeth
  • Hospital Cash: Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents
  • Accidental Death and Permanent Total Disability Common Carrier: The company will pay the sum insured specified in the schedule in addition to the sum insured specified under the Personal Accident section, if the insured sustains Accidental Bodily Injury during the course of the journey while travelling in a common carrier such as rail, bus, tram, or aircraft; and such bodily injury results in death or permanent total disability
  • Personal accident: Compensation paid in case of death or permanent total disability caused due to an accident
  • Flight delay: Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time
  • Loss of Baggage and Personal Documents: Pays for expenses incurred in replacing lost documents and belongings.
  • Loss of Checked Baggage: Compensation for the permanent loss of checked-in baggage
  • Delay of Checked Baggage: Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours
  • Personal Liability: Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured
  • Financial Emergency Assistance: International Travel Insurance cover is provided in the event of the Insured Person getting into a financial emergency due to theft, pilferage, robbery or dacoity of his/her travel funds. A fixed sum is paid as emergency assistance up to the limits specified under the Travel Insurance Policy
  • Contingency Travel Benefits: Pays for the cost of hotel Accommodation if the Insured Person sustains Bodily Injury or Sickness which directly and independently of all other causes results in a hospital stay as an in-patient and misses his/her flight back to the country of residence
  • Hijack Distress Allowance: International Travel Insurance cover is provided in the event of the hijack of the air or sea common carrier in which the Insured Person is Travelling whilst on the trip abroad during the Period of Insurance. An allowance will be paid for each day of the hijack up to the limits specified under the Policy


  • Single Trip Travel Insurance: 6 months to 70 years
  • Annual Multi Trip Travel Insurance: 18 years to 70 years
  • Single Trip Asia Excluding Japan: 6 months to 70 years
  • Family Floater Travel Insurance Plan:
    Self Up to the age of 60 yrs
    Spouse Up to the age of 60 yrs
    • Maximum 2 dependent children can be covered
    • From age of 3 months to age of 21 years

The company shall not be liable to pay any benefit to the Insured caused due to:

  • Civil War or Foreign War
  • Terrorism
  • Self Inflicted Injury, Suicide
  • Non adherence to medical advice
  • Under influence of Liquor, Drugs or Narcotics (Unless advised/administered by a physician)
  • Participation in any Sport as a Professional Player
  • Participation in any Criminal Act
  • AIDS or HIV
  • Treatment of Nervous and Mental Problems
  • Participating in hazardous sports like parachuting, hang gliding, bungee jumping etc.
  • *Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings.
  • *This content is descriptive only. Actual coverage is subject to language policy issued.


  • Why does one require Travel Insurance?

    Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International Trip.
    No matter who you are: a business traveler or a leisure traveler: you are now safer with Overseas Travel Insurance which protects you from unfortunate events such as loss or delay in checked baggage, passport loss, a medical emergency or an Accident.
    Insure your trip and enjoy a hassle free journey.
  • What are the available plans with HDFC ERGO?

    HDFC ERGO provides coverages for Single Trip, Multiple Trips, Asia, and also a Family Floater Plan with various Sum Insured options to choose from.
  • What are the eligibility criterias?

    Our Travel Insurance policy is available for all ages between 6 months – 70 yrs.
  • What is the minimum period for a trip to be insured?

    Our Travel Plans provide coverage to travel trips as short as 1- 4 days.
  • Does one have to go through any medical examination?

    No, there is no medical examination required upto the age of 70 years.
  • Is Travel insurance mandatory for Schengen Visa?

    Yes it is mandatory to buy travel insurance before you apply for schengen visa
  • What are the Schengen Visa requirements?

    One needs to be at least covered for US$ 50000 sum insured under Travel Insurance plan. For more details please visit Schengen consulate website.
  • Is there any medical check-up required for Schengen Travel Insurance?

    Medical check-up is not required upto the age of 70 years. We may call for medicals irrespective of the age if customer is having and pre-existing illness.
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