Knowledge Centre
HDFC ERGO 1Lac+ Cashless Hospitals
1 Lac+

Cashless Hospitals

HDFC ERGO 24x7 In-house Claim Assistance
24x7 In-house

Claim Assistance

HDFC ERGO No health Check-ups
No health

Check-ups

Home / Travel Insurance

Travel Insurance - Your Safety Net at Foreign Shores

Travel Insurance

A medical or dental emergency can catch you off guard in a faraway land, derail your travel plans, and cost you dearly, as medical expenses in a foreign land can be high-priced. However, international travel insurance can save you from such expenses. Apart from this, it also provides reimbursement for essentials in case of delay or loss of check-in baggage, covers for loss of passports, visas, identity proof, etc. It also provides assistance in case of theft, burglary, accident assistance and medical evacuation in times of crisis. So, whether you travel overseas solo or with your family, remember to get travel insurance to enjoy a memorable and relaxed holiday. Many countries have also made it mandatory to get travel insurance before entering their borders. Check out HDFC ERGO’s travel explorer to explore the world confidently with 21 benefits and 3 tailor-made plans, just for you. You can buy travel insurance online from the comforts of your home. In addition, we offer medical facilities at 1Lac+ cashless hospitals** worldwide.

Introducing HDFC ERGO Travel Explorer

Introducing HDFC ERGO Travel Explorer

To make your travels filled with excitement and keep worries at bay, HDFC ERGO brings you the all-new international travel insurance, packed with more benefits than you can imagine. Explorer's got your back, whether it is a medical or dental emergency, loss or delay of your checked-in baggage, flight delays or cancellations, theft, robbery or loss of passport when overseas. It comes with up to 21 benefits packed in one, and 3 tailor-made plans just for you.

Schengen approved travel insurance
Schengen approved travel insurance
Competitive premiums
Competitive premiums
Increased sum insured limit
Increased sum insured limit
Medical & dental emergencies
Medical & dental emergencies
Baggage mishap
Baggage mishap
In-trip crisis
In-trip crisis

Here's why you need HDFC ERGO's Travel Insurance?

Emergency Medical Assistance by HDFC ERGO Travel Insurance

Covers Emergency Medical Assistance

Met with an unexpected medical emergency, in a foreign territory? Travel insurance, with its emergency medical benefits, is just the friend you need during such a toughtime. Our 1,00,000+ cashless hospitals are there to take care of you.

Travel-related Emergencies Covered by HDFC ERGO Travel Insurance

Covers Travel Related Inconveniences

Flight delays. Loss of baggage. Financial emergency. These things can be quite unsettling. But with travel insurance backing you up, you can keep calm and carry on.

Covers Baggage-Related Hassles by HDFC ERGO Travel Insurance

Covers Baggage-Related Hassles

Buy #SafetyKaTicket for your travel. Whenever you’re travelling abroad all baggage carries all your essentials, and we cover you against baggage loss and baggage delay for checked-in baggage.

Affordable Travel Security by HDFC ERGO Travel Insurance

Affordable Travel Security

Secure your international trips without breaking the bank. With affordable premiums for every kind of budget, the benefits of travel insurance far outweigh the costs.

Round-the-clock Assistance by HDFC ERGO Travel Insurance

Round-the-clock Assistance

Time zones don’t get in the way of a good travel insurance plan. No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house claim settlement & customer support mechanism.

1Lac Cashless Hospitals by HDFC ERGO Travel Insurance

1 Lac+ Cashless Hospitals

There are a million things you can take on your trips; worry shouldn’t be one of them. Our 1 Lac+ cashless hospitals networked worldwide will make sure your medical expenses are covered.

Travel Insurance Plans For All Types Of Travellers

slider-right
Travel plan for Individuals by HDFC ERGO

Travel plan for Individuals

For globetrotting wanderers and explorers

If you’re flying solo in your search for new experiences, the HDFC ERGO Individual Travel Insurance, with its host of inbuilt benefits that make your travel experience smooth and seamless, is the trusted companion you need to take along for company.

View Plans Know more
Travel plan for Families by HDFC ERGO

Travel plan for Families

For families that stick together and sail together

Family vacations are when you make memories that transcend time and last across generations. Now, with the HDFC ERGO Family Travel Insurance, give your loved ones the security they deserve as you and your family take off into the sunset for the vacation of your dreams.

View Plans Know more
 Travel plan for Frequent Fliers by HDFC ERGO

Travel plan for Frequent Fliers

For the jetsetter who flies frequently

The HDFC ERGO Annual Multi-trip Insurance is tailored just for you, so you can secure multiple trips under one comprehensive insurance plan. Enjoy multiple trips, easy renewals, in-house claim settlement and so much more.

View Plans Know more
Travel plan for Students by HDFC ERGO

Travel plan for Students

For the ones who aspire to study abroad

Planning to pursue higher education at foreign destinations, then do not leave your home without a valid travel insurance. It will secure your prolonged stay and make sure you concentrate only on studies.

View Plans Know more
Travel Plan for Senior Citizens

Travel Plan for Senior Citizens

You are always young enough to travel

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO’s Travel Insurance for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

View Plans Know more
slider-left

Compare Travel Insurance Plans

StarRECOMMENDED
Covers under Travel Insurance Individuals/FamilyFrequent flyers
Suitable for
Individuals, Family
Frequent Overseas Travellers
No. of Members in a Policy
Upto 12 members
Upto 12 members
Maximum Stay duration
365 Days
120 Days
Places you can travel
Worldwide
Worldwide
Coverage amount options
$40K, $50K, $100K, $200K, $500K, $1000K
$40K, $50K, $100K, $200K, $500K, $1000K

 

BUY NOW
buy a Traavel insurance plan
So, Have you compared the plans and found the one that suits you best?

What Does HDFC ERGO Travel Insurance Policy Cover?

Emergency Medical Expenses

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.

Emergency dental expenses coverage by HDFC ERGO Travel Insurance

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

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

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

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 coverage by HDFC ERGO Travel Insurance

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

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 Baggage & Personal Documents by HDFC ERGO Travel Insurance

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

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 coverage by HDFC ERGO Travel Insurance

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.

Trip Curtailment

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 flight

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.

Loss of Passport & International driving license :

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.

Hospital cash - accident & illness

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 by HDFC ERGO Travel Insurance

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 by HDFC ERGO Travel Insurance

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.

Loss of Passport & International driving license :

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.

What Does HDFC ERGO Travel Insurance Policy Not Cover?

Breach of Law

Breach of Law

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption Of Intoxicant Substances not covered by HDFC ERGO Travel Insurance

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre Existing Diseases not covered by HDFC ERGO Travel Insurance

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic And Obesity Treatment not covered by HDFC ERGO Travel Insurance

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury not covered by HDFC ERGO Travel Insurance

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

Key Features of HDFC ERGO Travel Insurance Policy

Key Features Benefits
Cashless Hospitals 1,00,000+ cashless hospitals worldwide.
Countries Covered 25 Schengen countries + 18 Other countries.
Coverage Amount $40K to $1,000K
Health Check-up Requirement No health check-up is required prior travelling.
COVID-19 Coverage Coverage for COVID-19 hospitalisation.

  Does HDFC ERGO’s Travel Insurance Cover COVID-19?

Travel Insurance With COVID 19 Cover by HDFC ERGO
yes-does Yes, it does!

The world is returning to normal after being in the clutches of the COVID-19 pandemic for almost two years. However, the worst is not over yet. A new variant of the virus - Arcturus covid variant – has caused much concern among the public and healthcare experts alike. The presence of this new covid variant has been reported in many countries across the globe. The concern regarding this new covid variant is that it is believed to be more transmissible than previous strains, but it is still unclear whether it is more deadly than the previous ones. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay.

In the face of rising Covid cases in India, the importance of vaccinations and booster doses has again been highlighted. If you aren’t vaccinated yet, it’s high time you get the jab. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. The symptoms of Arcturus covid virus can range from mild to moderate, manifesting as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing. Some individuals may also experience muscle aches, headaches, sore throat, congestion, conjunctivitis, or pink eye. If you experience any of these symptoms while travelling overseas, rush to the nearest hospital for a check-up. Medical expenses in a foreign land can be expensive, so having the backing of travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

● Hospitalisation expenses

● Cashless treatment at network hospitals

● Daily cash allowance during hospitalisation

● Medical evacuation

● Extended hotel stay for treatment

● Medical and body repatriation

Know More

Know your Travel insurance premium In 3 Easy Steps

know your Travel insurance premium
Know Your Travel Insurance Premium with HDFC ERGO Step 1

STEP 1

Add your trip details

Phone Frame
Know Your Travel Insurance Premium with HDFC ERGO Step 2

STEP 2

Fill your personal details

Phone Frame
Choose Sum Insured for Travel Insurance Premium with HDFC ERGO

STEP 3

choose your travel insurance plan

slider-right
slider-left
Travel Insurance Fact by HDFC ERGO
Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders

Why Do You Need Overseas Travel Insurance Policy?

What is health Insurance policy

With HDFC ERGO travel insurance policy, you can go for a trip without worrying about anything. We provide coverage for untimely expenses that might occur during your journey like, loss of luggage, missing out on connecting flight, or the risk of getting infected by COVID-19. Hence to avoid creating a big hole in your pocket due to any unwanted events, buying comprehensive International travel insurance is a must.

Our travel insurance will essentially secure you under following circumstances:

Emergency
                        dental expenses by HDFC ERGO Travel Insurance
Emergency dental expenses
Emergency financial assistance by HDFC ERGO Travel Insurance
Emergency financial assistance

 Here’s What You Should Keep In Mind Before Buying

A Travel Insurance Plan
Trip Duration and Travel Insurance

The duration of your trip

The longer your trip, the higher the insurance premium will be, since the risk involved in longer stays abroad is higher.

Trip Destination & Travel Insurance

The destination of your trip

If you’re travelling to a country that is safer or economically more stable, the insurance premium will likely be lower.

Coverage Amount & Travel Insurance

The amount of coverage you need

Higher the sum insured higher will be your travel insurance premium.

Renewal or Extention Options in Travel Insurance

Your renewal or extension options

You can extend or renew your travel insurance whenever it’s about to expire. Refer policy document for more details.

Age of the Traveller & Travel Insurance

The age of the traveller(s)

Typically, older travellers may be charged a higher premium. This is because the probability of medical emergencies occurring increases with age.

  Factors That Affect Your Travel Insurance Premium

Country You travelling & Travel Insurance

The country you’re travelling to

If you’re travelling to a country that is safer or economically more stable, the insurance premium will likely be lower.
Trip Duration and Travel Insurance

The duration of your trip¨

The longer your trip, the higher the insurance premium will be, since the risk involved in longer stays abroad is higher.
Age of the Traveller & Travel Insurance

The age of the traveller(s)

Typically, older travellers may be charged a higher premium. This is because the probability of medical emergencies occurring increases with age.
Extent of Coverage & Travel Insurance

The extent of coverage you choose

A more comprehensive travel insurance plan will naturally cost higher than a more basic coverage.

  How to Claim Travel Insurance?

The claim process of HDFC ERGO travel insurance is an easy 4 step process. You can make a travel insurance claim online on a cashless as well as reimbursement basis.

Intimation
1

Intimation

Intimate claim to travelclaims@hdfcergo.com / medical.services@allianz.com and get a list of network hospitals from TPA.

Checklist
2

Checklist

travelclaims@hdfcergo.com will share the checklist of documents required for cashless claims.

Mail Documents
3

Mail Documents

Send the cashless claim documents and policy details to our TPA partner- Allianz Global Assistance, at medical.services@allianz.com.

Processing
4

Processing

Our concerned team will contact you within 24 hours for the further cashless claim process as per policy terms & conditions.

Hospitalization
1

Intimation

Intimate claim to travelclaims@hdfcergo.com and get a list of network hospitals from TPA.

claim registration
2

Checklist

travelclaims@hdfcergo.com will share the checklist of documents required for reimbursement claims.

claim verifcation
3

Mail Documents

Send all required documents to travelclaims@hdfcergo.com for reimbursement as per the Checklist

Processing
3

Processing

Upon receipt of complete documents, the claim will be registered and processed within 7 days as per policy terms & conditions.

List Of Countries Where Travel Insurance Is Mandatory

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

my:health medisure super top-up plan

Schengen countries

  • France
  • Spain
  • Belgium
  • Austria
  • Italy
  • Sweden
  • Lithuania
  • Germany
  • the Netherlands
  • Poland
  • Finland
  • Norway
  • Malta
  • Portugal
  • Switzerland
  • Estonia
  • Denmark
  • Greece
  • Iceland
  • Slovakia
  • Czechia
  • Hungary
  • Latvia
  • Slovenia
  • Liechtenstein and Luxembourg
my:health medisure super top-up plan

Other countries

  • Cuba
  • Ecuador
  • Iran
  • Turkey
  • Morocco
  • Thailand
  • UAE
  • Togo
  • Algeria
  • Romania
  • Croatia
  • Moldova
  • Georgia
  • Aruba
  • Cambodia
  • Lebanon
  • Seychelles
  • Antarctica

Source: VisaGuide.World

Decoding Travel Insurance Terms

Confused about all the travel insurance jargon floating around? We’ll make it easier for you by decoding some commonly used travel insurance terms.

Sum Insured in travel insurance

Sum Insured

The sum insured is the maximum amount the insurance company will pay you in case any of the insurable events occur. In other words, it’s the maximum coverage that you are entitled to under your travel insurance plan.

Sublimits in travel insurance

Sublimits

Sublimits are additional monetary limitations in the coverage offered by your travel insurance policy. They limit the cover applicable to specific insurable events or losses, and they are a part of the original overall coverage offered by the policy.

Deductible in travel insurance

Deductible

In some cases, when an insurable event happens, you may have to pay some of the expenses involved out of your own pocket. This amount is known as the deductible. The rest of the expenses or losses will be borne by the insurance company.

Cashless Settlement in travel insurance

Cashless settlement

Cashless settlement is a kind of claim settlement process where the insurer directly pays the costs involved in case of any insurable loss on behalf of the policyholder.

Reimbursement in travel insurance

Reimbursement

This is a kind of claim settlement wherein the policyholder pays the expenses out of pocket first, and the insurance company later reimburses the costs as per the coverage limits in place.

Single Trip Plans in travel insurance

Single Trip Plans

Single trip plans are travel insurance plans that provide coverage for only one trip. You can buy this plan in advance of your international holiday.

Multi-Trip Plans in travel insurance

Multi-trip Plans

Multi-trip plans are travel insurance policies that offer coverage for multiple trips within a predetermined period. Typically, the cover offered by multi-trip plans is valid for one year.

Family Floater Plans in travel insurance

Family Floater Plans

Family floater plans are for families, as is evident from the name. These plans offer travel insurance coverage that extends to every member of the family who is travelling on the insured journey.

Travel Insurance Policy Documents

Brochure Claim Form Policy Wordings
Get details on the key features and benefits of travel insurance. Click here to know more about HDFC ERGO travel insurance plan. Want to claim your travel policy? Click here to download the travel insurance claim form and fill in the required details for hassle free claim settlement. Please refer the policy wordings to know more about the terms and conditions under travel insurance. Get more details on coverages and features offered by HDFC ERGO travel insurance plan.
Buy Travel Insurance & Travel to the US Safely

Travelling to the US?

There’s nearly a 20% chance that your flight could be delayed. Protect yourself with HDFC ERGO’s travel insurance.

Hear from Our happy customers

4.4/5 Stars
rating

Our customers have rated us

slider-right
quote-icons
female-face
JAGRATI DAHIYA

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

quote-icons
male-face
Vaidyanathan Ganesan

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

quote-icons
female-face
SAKSHI ARORA

my:Single trip Travel insurance

05 Jul 2019

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

slider-left

Travel Insurance News

slider-right
Construction Disruptions Anticipated at Hawaii Volcanoes National Park

Construction Disruptions Anticipated at Hawaii Volcanoes National Park

Hawaii Volcanoes National Park is set for major construction, addressing seismic damage and realigning Crater Rim Drive. Expect temporary closures, parking constraints, and entrance delays during the 600-day first-phase contract. Superintendent Rhonda Loh appreciates patience from visitors, tour operators, and the community amid the necessary improvements.

Published on 06 February, 2024
Tokyo Grinds to a Halt as Snowstorm Causes Travel Chaos

Tokyo Grinds to a Halt as Snowstorm Causes Travel Chaos

Heavy snow blankets Tokyo, causing mayhem with over 100 flights canceled, trains halted, and travel warnings issued. The Japan Meteorological Agency predicts up to 21 inches of snow, urging caution. Two automated trains with 550 passengers had to be evacuated, and over 14,000 homes lost power. Drivers are cautioned to use winter tires or chains.

Published on 06 February, 2024
Cathay Pacific Resumes Direct Flights Between Chennai and Hong Kong After Four-Year Hiatus

Cathay Pacific Resumes Direct Flights Between Chennai and Hong Kong After Four-Year Hiatus

Cathay Pacific restarts direct flights between Chennai and Hong Kong, marking a significant return after four years. The thrice-weekly service aims to enhance global connectivity, addressing the growing demand for travel from Chennai. Cathay Pacific emphasizes delivering an elevated travel experience with a commitment to diverse customer requirements.

Published on 06 February, 2024
United Airlines Unveils Scenic Routes Connecting Canada and U.S. National Parks

United Airlines Unveils Scenic Routes Connecting Canada and U.S. National Parks

Take off for a scenic journey as United Airlines introduces picturesque flight routes connecting Canada and U.S. national parks, catering to summer travel enthusiasts seeking breathtaking views and easy access to natural wonders.

Published on 29 January, 2024
Hong Kong Tourism Records 34 Million Visitor Arrivals in 2023

Hong Kong Tourism Records 34 Million Visitor Arrivals in 2023

Despite innumerable challenges, the Hong Kong Tourism Board announces a robust 34 million visitor arrivals for the full year of 2023, reflecting the city's enduring appeal as a global travel destination despite ongoing challenges.

Published on 29 January, 2024
China Grants 1.8 Lakh Visas to Indian Citizens in 2023 In 2023

China Grants 1.8 Lakh Visas to Indian Citizens in 2023 In 2023

In a testament to growing ties, China issues an impressive 1.8 lakh visas to Indian citizens, highlighting the growing travel ties between the two nations despite geopolitical complexities, fostering people-to-people connections and cultural exchanges.

Published on 29 January, 2024
slider-left

Read Latest Travel Insurance Blogs

slider-right
Countries to Experience Cherry Blossom Bliss in 2024!

Countries to Experience Cherry Blossom Bliss in 2024!

READ MORE
Published on 14 March, 2024
Best time to visit Spain- Weather, Climate, Temperature

Best time to visit Spain- Weather, Climate, Temperature

READ MORE
Published on 13 March, 2024
Best time to visit Switzerland - Weather, Climate, Temperature

Best time to visit Switzerland - Weather, Climate, Temperature

READ MORE
Published on 13 March, 2024
Best time to visit UAE- Weather, Climate, Temperature

Best time to visit UAE- Weather, Climate, Temperature

READ MORE
Published on 13 March, 2024
Best time to visit Singapore - Weather, Climate, Temperature

Best time to visit Singapore - Weather, Climate, Temperature

READ MORE
Published on 12 March, 2024
slider-left

Frequently Asked Questions on Travel Insurance

Yes, it is. Travel insurance is the ultimate seal of safety you can add to your journey, so you can enjoy your vacation or turn that business trip into a success without worrying about the stressful scenarios that could occur unexpectedly. With travel insurance acting as your #SafetyKaTicket, you can rest assured that you’re insured against the financial losses or burden associated with flight delays, loss of baggage, and even emergency medical expenses when you’re in another city, among other things.

Travel insurance acts as a financial safety net and protects you against the possible financial repercussions of unexpected emergencies on your journey. When you purchase a travel insurance policy, you essentially buy a cover against certain insurable events. It offers medical, baggage-related and journey-related coverage.
In case any of the insured events, like flight delays, loss of baggage, or medical emergencies occur, your insurer will either reimburse the additional costs that you incur on account of such incidents, or they shall offer a cashless claim settlement for the same.

We have good news for you here. A medical checkup is not necessary if you’re planning to buy the HDFC ERGO travel insurance policy. You can bid goodbye to health checkups and purchase travel insurance without any hassle.

Emergency medical needs must be treated in time if the need arises. And that is why it is not necessary to get any sort of prior approval from the insurer before you proceed with medical treatment, but it is better to inform the insurance company of the claim. However, the nature of the treatment and the terms of the travel insurance policy will determine if the treatment is covered by the travel insurance.

Yes, you most certainly can buy travel insurance after you’ve made a booking for your trip. In fact, it’s a smart idea to do so, because that way, you will have a better idea of the details of your trip, such as the start date, the end date, the number of people accompanying you and the destination. These details are all essential to determine the cost of your travel insurance cover.

Well, that depends on where you’re travelling to. To be more specific, there are 34 countries that have made travel insurance mandatory, so you’ll need to purchase a cover before you travel there. These countries include Cuba, The United States of America, The United Arab of Emirates, Ecuador, Antarctica, Qatar, Russia, Turkey and the group of 26 Schengen countries.

A deductible is simply that amount of a claim that you will need to meet from your pocket, before the insurer steps in and bears the rest of the costs involved. Insurance policies have deductibles because they help the insurer share the costs with the policyholder. And knowing that some of the costs may need to be borne out-of-pocket keeps the policyholder from engaging in any risky behavior that may result in losses that are insured.

single trip-91 days to 70 years. AMT same, family floater – from 91 days to 70 years, insuring upto 20 people.
The exact age criteria vary from one travel insurance policy to another, and also from one insurer to the next. For the travel insurance policy from HDFC ERGO, the age criteria depend on the kind of cover you opt for.
• For single trip insurance, people aged between 91 days and 70 years can be insured.
• For annual multi trip insurance, people aged between 18 and 70 years can be insured.
• For family floater insurance, which covers the policyholder and up to 18 other immediate family members, the minimum age of entry is 91 days and can be insured up to 70 years.

That depends on the number of trips you’ll be taking during the year. If you’ll likely just take the one trip, you will want to purchase a single trip cover. The ideal time to buy a travel policy for a single trip is within a couple of weeks of booking your flight tickets. On the other hand, if you plan to take multiple trips during the year, it would be a better idea to purchase your travel insurance plan well in advance, before you book your various trips.

Travel insurance is mandatory for traveling to all 26 Schengen countries.

No. HDFC ERGO does not provide multiple insurance plans to the same person for the same trip.

Yes, Indian Nationals travelling abroad for business can purchase travel insurance policy.

Travel insurance is usually taken for the duration of travel. The policy will mention the start and end date on its schedule.

You can find your preferred hospital from among HDFC ERGO’s list of partner hospitals https://www.hdfcergo.com/locators/travel-medi-assist-detail or send mail to travelclaims@hdfcergo.com.

Policy can be taken only if the insured is in India. Cover is not offered for individuals who have already travelled abroad.

Unfortunately, you cannot buy travel insurance after leaving the country. The traveller needs to ensure availing of the travel insurance policy before travelling abroad.

No sub-limit has been specifically imposed for customers visiting Schengen countries.
For insured individuals below 61 years of age, there are no sub-limits applicable under travel medical insurance.
Sub-limits are applicable to insured individuals aged 61 years and older for various expenses, including hospital room and boarding, physician fees, ICU and ITU charges, anaesthetic services, surgical treatment, diagnostic testing expenses, and ambulance services. These sub-limits are applicable to all travel insurance policies regardless of the plan purchased. For more details, refer to the product prospectus.
(SUB-LIMITS MENTIONED ON PAGE 3 OF PROSPOECTUS UPLOADED ON WEBSITE SHALL APPLY.) Please rephrase along the lines of “For more details, refer to the product prospectus”

The cost of a travel insurance policy depends on a lot of factors. The cost is not fixed or uniform for all trips. The following factors determine how much premium would be payable –

● The type of policy

There are different types of travel insurance plans available and each plan has a different premium. Single trip plans are cheaper than annual multi-trip plans. Individual plans are cheaper than family plans and so on.

● The destination

Different countries attract different premiums. Developed countries like the USA, UK, Australia, etc. involve higher premiums than others.

● Number of members travelling

The more the number of members who travel with you the higher would be the premium.

● Age

Higher the age higher would be the probability of suffering an illness. As such, premiums increase with age

● Trip duration

The longer the trip the higher would be the premium and vice-versa.

● Plan variant

There are different variants of the same plan. Each variant has different coverage benefits. The higher the variant the more inclusive the plan becomes and so the premiums are higher

● Sum insured

The higher the sum insured that you choose the higher would be the premium and vice-versa

You can use HDFC ERGO’s online calculators to find out the premium payable for the travel insurance plan.

No, you cannot buy travel insurance after starting your trip. The policy should be bought before the trip has commenced.

You should choose a travel insurance plan based on your travel needs. Here’s how –

● If you are travelling solo, choose an individual policy

● If you are travelling with your family, a family travel insurance plan would be suitable

● If a student is travelling for higher education, choose a student travel insurance plan

● You can also choose the plan based on your destination, like a Schengen travel plan, Asia travel plan, etc.

● If you travel frequently, choose an annual multi-trip plan

After you have shortlisted the type of plan that you want, compare the different policies in that category. There are different insurance companies offering travel insurance plans. Compare the available policies on the basis of the following –

● Coverage benefits

● Premium rates

● Ease of claim settlement

● International tie-ups in the country that you are travelling to

● Discounts, etc.

Choose a policy that offers the most inclusive coverage benefits at the most competitive rate of premium. Choose an optimal sum insured and buy the best plan for securing the trip.

It’s always a good idea to know what the scope of your travel insurance is. When you buy the HDFC ERGO travel insurance policy, do keep in mind that the following incidents, losses, or events are not covered by our travel insurance.
• Any sickness or health issues caused due to war or a breach of the law
• Claims related to health, if you consume any intoxicants or banned substances
• Expenses related to pre-existing diseases
• Expenses related to cosmetic surgery or obesity treatment
• Any hospitalization expenses or medical costs arising from self-inflicted injuries
• Injuries sustained during adventure sports

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.

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

If you undergo treatment for pre-existing diseases during the travel insurance policy period, medical expenses for the same are not covered by the travel insurance policy. However, any medical condition that is diagnosed after purchasing the travel insurance policy will be covered. It is important to disclose all your health-related information at the time of purchasing the travel insurance policy to not face any claim rejections during the trip.

Medical 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. Cashless facility is available for receiving treatments at the insurer’s network hospitals.

Flight insurance is a part of travel insurance wherein you get covered for flight-related contingencies. Such contingencies include the following –

● Flight delay

● Accidental death due to a crash

● Hijack

● Flight cancellation

● Missed flight connection

When you fall sick when travelling contact our Toll free no +800 0825 0825 ( add the area code + ) or chargeable no +91 1204507250 / + 91 1206740895 or write to travelclaims@hdfcergo.com

HDFC ERGO has partnered with Alliance Global Assist for its TPA services. Fill up the online claim form available at https://customersupport.hdfcergo.com/DigitalClaimForms/travel-insurance-claim-form.aspx?_ga=2.101256641.138509516.1653287509-1095414633.1644309447. Fill up a ROMIF form which is available at https://www.hdfcergo.com/docs/default-source/documents/downloads/claim-form/romf_form.pdf?sfvrsn=9fbbdf9a_2.

Send the filled and signed claim form, ROMIF forms all the claim-related documents to the TPA at medical.services@allianz.com. The TPA would process your claim request, look for the networked hospitals and assist you with the hospital list so that you can get the medical attention that you need.

Cancelling your travel insurance policy is quite easy. You can place your cancellation request via email or fax. Do make sure that the cancellation request reaches up within 14 days from the policy’s inception date.
In case the policy is already in force, you’ll also need to submit a copy of all the 40 pages of your passport, as a proof that the journey has not been undertaken. Do note that cancellation charges of Rs. 250 will be applicable, and the balance amount paid will be refunded.

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.

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.

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.

No. There is no grace period applicable for a travel insurance policy.

Travel insurance with a minimum equivalent sum insured of 30,000 Euros needs to be availed to travel to Schengen countries. There are about 26 countries that come under the entire Schengen region for you to visit and it is compulsory to have travel medical insurance cover to visit these states. To get Schengen Visa, you need to produce your travel medical insurance document.

No. Partial refund is not allowed under travel policy.

The travel insurance premium is calculated considering the following details –

● Type of plan

● Destination

● Trip duration

● Members to be covered

● Their age

● Plan variant and sum insured

You can use HDFC ERGO’s online premium calculators to find the premium of the policy that you want. Enter in your trip details and the premium would be calculated.

The policy is issued by HDFC ERGO which serves as proof of travel insurance. The bond is mailed to you on your email ID. Moreover, a physical copy is also sent to your registered address. You can carry this copy as proof of coverage.

HDFC ERGO allows both online as well as offline modes of paying for the travel insurance policy. The available modes include the following –

● Cheque

● Demand draft

● Credit card

● Debit card

● Net banking facility

● NEFT/RTGS/IMPS

In case any of the insured events covered by the travel insurance policy occurs, it’s best to give us a written notice of the incident as soon as practicable. In any case, the written notice must be given within 30 days of such an event occurring.
In case the insured event is the death of a person covered by the plan, the notice must be given immediately.

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

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 Annual multi-trip policy can be renewed. Single trip policies cannot be renewed.

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

HDFC ERGO’s Travel Insurance covers coronavirus hospitalisation. You don’t have to buy separate insurance for COVID-19. Your travel medical insurance will give you cover for the same. You can buy travel insurance online by visiting our website or calling our helpline number 022 6242 6242.

Following are some of the features covered for COVID-19 in travel insurance -

● Hospital expenses if one gets COVID-19 while covered under overseas travel insurance.

● Cashless treatment in network hospitals.

● Reimbursements of medical expenses.

● Daily cash allowance during hospitalisation.

● Expenses related to transferring mortal remains to home country in case of death due to COVID-19

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.

HDFC ERGO’s travel insurance policy doesn’t cover pre-existing conditions during your stay, even if you are covered under International travel insurance. However, you will be covered for COVID-19 hospitalisation during your insured period.

No, HDFC ERGO’s travel insurance plan doesn’t cover quarantine expenses.

We will help you settle your claims for COVID-19 hospitalisation and expenses as soon as possible. The claim is settled within three working days after receiving all the valid documents related to your hospitalisation and medical expenses for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).The claim will cover expenses for the patients who test positive for COVID-19. However, it doesn’t cover expenses for home quarantine or quarantine in the hotel.

No, HDFC ERGO’s travel insurance doesn’t cover missed flights or flight cancellations due to COVID-19 or COVID-19 testing.

While we will try to help you with your claims at the earliest, it isn't easy to define the length of the claim period as it will depend from case to case. Therefore, we try to settle the claims in record time upon receipt of the original invoices.

A third-party administrator provides operational services such as claims processing and other benefits as mentioned in your policy under contract with HDFC ERGO and can assist you in times of emergency when on international shores.

Awards & Recognition

Image

BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)

ETBFSI Excellence Awards 2021

FICCI Insurance Industry
Awards September 2021

ICAI Awards 2015-16

SKOCH Order-of-Merit

Best Customer Experience
Award of the Year

ICAI Awards 2014-15

Image

CMS Outstanding Affiliate World-Class Service Award 2015

Image

iAAA rating

Image

ISO Certification

Image

Best Insurance Company in Private Sector - General 2014

slider-right
slider-left
View all awards
Buy Travel Insurance Plan Online From HDFC ERGO

Done Reading? Willing to Buy A Travel Plan?