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 what 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.
HDFC ERGO provides coverages for Single Trip, Multiple Trips, Asia, and also a Family
Floater Plan with various Sum Insured options to choose from.
Our Travel Insurance policy is available for all ages between 6 months – 70
yrs.
Our Travel Plans provide coverage to travel trips as short as 1- 4 days.
No, there is no medical examination required upto the age of 70 years.
For any insured, having adverse history shall have to submit medical reports irrespective
of trip band.
For any insured, having adverse history
- Blood Sugar PP & Fasting
- ECG report with tracing
- Echo Cardiograhy report
- USG Whole Abdomen
- Doctors certificate with all details of past ailment & present medication, if
any doctor’s certificate for fitness to travel
In case the proposer is unable to submit the medical reports, the medical Sum Insured
will be restricted to US$ 10,000 for all plans.
This policy does not cover pre-existing diseases. A ‘Pre-Existing Illness’
is one with which the person is already suffering from before he buys the policy
Foreign nationals working in India with Indian employers of multinational companies,
getting salary in INR can be covered subject to verification of Ration Card and
IT Verification.
Extensions under the plan shall be provided, subject to the following:
- The original policy period has not expired
- There is no claim on the original policy
- Declaration of good health
- Extension can be effected only once on the policy
- Extension in days not to exceed 180 days
- The total extension including the original period should not exceed 360 days
- Extension premium has to be paid before actual extension is effected
- Single Trip Including USA/Canada (Worldwide) & Single Trip excluding USA/Canada:
The Policy may be extended maximum upto 180 Days. The total policy period including
extension should not exceed 360 days.
- Single Trip Asia excluding Japan:
The Policy may be extended maximum upto 30 Days. The total policy period including
extension should not exceed 60 days.
- Single Trip Family Floater excluding USA/Canada
The Policy may be extended maximum upto 60 Days. The total policy period including
extension should not exceed 120 days
Travel Insurance is not mandatory in India. However it is mandatory in UK and countries
like Austria, Greece, Portugal, Spain, France, Germany, belgium, Luxemdurg, Netherlands.
However for a safe and peaceful trip,we recommend that you have to take a Travel
insurance policy even if you are travelling to countries apart from these.
The policy may be cancelled via request on Email/Fax, The intimation of policy cancellation
has to reach us latest upto 14 days from the inception date of the policy. If the
policy has already incepted, a copy of all 40 pages of the passport needs to be
submitted as a proof that the journey has not been undertaken. Cancellation charges
of Rs. 250/- shall be applicable and the balance shall be refunded.
No refund is allowed for an early return to India.
In the event of a covered emergency and to register claims, call HDFC ERGO at 24
hour Help Center and quote Policy Holders’ Name, Policy Number, Insurance
Company, Passport Number when seeking assistance within 24 Hours.
The contact details are:
International Toll Free Number : +800 08250825
Landline no (Chargeable) : +91-120-4507250
Fax: +91-120-6691600
Email: travelclaims@hdfcergo.com
Address: HDFC ERGO General Insurance Company Limited
5th floor, Tower 1, Stellar IT Park,
C-25,
Sector-62, Noida, UP, India - 201301
On registration of a claim, claim form will be forwarded
to by mail, email or fax along with the intimation for the various documents required.
The forms are also available on the website.
There are no standard lists of Hospitals. The Insured needs to intimate HDFC ERGO
immediately on admission so that cashless facility may be extended to him.
Except in the case of Hospitalization, claims are settled once the Insured is back
in India
'Financial Emergency' means a situation wherein the Insured loses all or
a Substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity.
under this benefit the insured is provided with Emergency Cash Assistance upto the
limit stated in the Policy. This is an assistance provided by the company through
the service provider.
Yes, passport loss is covered in the policy. It is covered under the benefit of
‘Loss of Baggage and Personal Documents’. The assistance provider helps in contacting
the consular authorities in case of the loss or theft of an Insured Person’s passport,
and arranging for its replacement.
The Company shall not be liable to pay any benefit in respect of loss of cash, bank
or currency notes, cheques, debit or credit cards.
This benefit will reimburse the Insured Person the cost of replacement of the articles
if the Checked in baggage or Personal documents are permanently damaged or lost.
This benefit will reimburse the Insured Person the cost for the purchase of necessary
personal effects like toiletries, clothing, medication etc. while the delay of checked
baggage has occurred.
No, if later the baggage and/or personal belongings are lost, then any amount claimed
and paid to an Insured Person under the baggage delay Section will be beducted from
any payment under the baggage Loss Section.
Emergency Medical Expenses includes ambulance service (to or from the Hospital).
Emergency Medical Evacuation means arrangement for transportation required to move
an insured to the nearest hospital and Medical Repatriation means arrangement for
transportation required to move an insured to his/her country of residence following
an emergency.
If the Common Carrier in which the insured Person is aboard is hijacked, the company
agrees to pay to the compensation for every six (6) continuous hours in excess of
the Deductible.