HDFC ERGO Travel Explorer

Pack Security, Unpack Worries

Whether you are travelling solo or with family, for business or leisure, we know how important it is to stay protected during your overseas trips. In our mission to ensure you stay safe and secure while exploring the world worry-free, HDFC ERGO is launching the all-new Explorer Travel Insurance plan that comes with 15+ benefits and ensures a safe trip abroad. We offer a range of medical, journey and baggage related coverage including medical facilities at 1Lac+ cashless hospitals worldwide, emergency hotel accommodations, reimbursement for loss of international driving licence and more.

Travel Insurance Plans For Every Traveller

Whatever be the purpose of your travel, we have a cover for you

This comprehensive plan comes with 5 significant benefits, like emergency medical expenses, dental expenses, personal accident and hospital cash for accident and illness and more. You can get this plan exclusively on our website only.

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In addition to the silver plan benefits, stay secured for journey-related hassles like loss, delay and theft of baggage, flight delay and cancellation, trip cancellation, loss of passport and many more. Wander more, worry less.

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Get more from this super-impressive plan that encompasses the benefits of silver + gold plan and more, to keep you secured in a faraway land. This plan covers trip delay and interruption, loss of international driving license and many more.

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What Does HDFC ERGO Travel Insurance Policy Cover?

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.

What Does HDFC ERGO Explorer Not Cover?

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

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

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

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

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

Know your Travel insurance premium In 3 Easy Steps

STEP 1

Add your trip details

CALCULATE PREMIUM

STEP 2

Fill your personal details

CALCULATE PREMIUM

Choose Sum Insured for Travel Insurance Premium with HDFC ERGO

STEP 3

choose your travel insurance plan

CALCULATE PREMIUM

How to Claim Travel Insurance?

The claims process of HDFC ERGO travel insurance is straightforward. You can place a claim on your travel insurance online on cashless as well on a reimbursement basis.

Cashless Claim
Reimbursement Claim

1

Intimation

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

2

Checklist

Medical.services@allianz.com will share documents required for cashless claims.

3

Mail Documents

Download the digital claim form from here

4

Processing

Send digital claim form to medical.services@allianz.com along with ROMIF.

1

Intimation

Intimate claim to travelclaims@hdfcergo.com or call on Global Toll-Free No : +800 08250825

2

Checklist

Travelclaims@hdfcergo.com will share the checklist/documents required for reimbursement

3

Mail Documents

Claim documents along with claim form to be sent to travelclaims@hdfcergo.com or processing@hdfergo.com

3

Processing

Claim is registered by HDFC ERGO call centre executive on respective claims system.

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.