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Hdfc Ergo Travel Insurance Policy

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HDFC ERGO Travel Insurance Policy Introduction

                   HDFC ERGO general insurance company takes pleasure in offering a comprehensive package insurance product is HDFC ERGO Travel Insurance,which enables you to explore and enjoy new destinations with heartiness.

Today the Indian traveler is going overseas more often than ever.Staying away from home brings with it worries that range from inconvenience to safety in a foreign land like airport baggage delays to lost passports,illness expenses to medical emergencies.Under such circumstances you must need travel insurance india policy because your trip in abroad should be without hassles and worries.

HDFC ERGO travel insurance policy offers protection to all the Indian Residents travelling abroad for Leisure, Business or Study.

Hdfc Ergo Travel Insurance policy 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,Buy  hdfc ergo travel insurance policy to get rid from all worries.You can buy insurance plan in online also.

Hdfc Ergo Eligibility and Conditions

Entry Age in Hdfc ergo Travel Insurance Policy:

  • Single Trips: 6 months to 70 years
  • Annual Multi Trip Plans: 18 years to 70 years
  • Single Trip Asia Excluding Japan: 6 months to 70 years

Family Floater for Hdfc ergo travel plan:

  • Self : Upto the age of 60 yrs
  • Spouse(wife):Upto the age of 60 yrs.
  • Child: Max 2 from 3 months upto the age of 21yr.

HDFC ERGO Travel Insurance Key Features and benefits

Hdfc Ergo Travel Insurance policy benefits:

  • Hdfc Ergo travel insurance policy has a Composite Coverage in a single Policy.
  • Hdfc travel insurance plan does not required any medicals/health check up.
  • This travel insurance Policy provides worldwide cover.
  • Sections can be independently structured or packaged as whole.
  • Rest assured on hdfc ergo international travel assistance provider on call 24*7.
  • This travel insurance policy has an optimum coverage at low costs.
  • Online purchase option available.

HDFC ERGO Travel Insurance Policy Cover

1.Emergency Medical Expenses:

  • Hdfc ergo travel insurance policy covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation.
  • This travel insurance policy covers outpatient, in-patient, medical aid, therapies and diagnostic tests as described in the policy schedule.

2.Emergency Medical Evacuation:

  • Evacuation to the home country is covered up to the medical sum insured chosen.

3.Repatriation of remains:

  • Hdfc ergo travel insurance policy Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death of the insured overseas.

4.Emergency Dental Expenses:

  • Acute Anaesthetic treatment of natural teeth covers in hdfc ergo travel insurance policy.

5.Hospital Cash:

  • Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents.

6.Accidental Death and Permanent Total Disability Common Carrier:

  • Hdfc ergo general insurance 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.

7.Personal accident:

  • Compensation paid in case of death or permanent total disability caused due to an accident.

8.Flight delay:

  • Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time.

9.Loss of Baggage and Personal Documents:

  • Pays for expenses incurred in replacing lost documents and belongings.

10.Loss of Checked Baggage:

  • Compensation for the permanent loss of checked-in baggage.

11.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.

12.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.

13.Financial Emergency Assistance:

  • 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 Policy.

14.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.

15.Hijack Distress Allowance:

  • Hdfc Ergo 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.

HDFC ERGO has 4 types of trips they are

hdfc ergo trip types

Single Trip Plans (Including USA/Canada & Excluding USA/Canada):

Plans Titanium Platinum Gold Silver Bronze
Coverage / Sum Insured $ 500,000 $ 200,000 $ 100,000 $ 50,000 $ 30,000
Emergency Medical Expenses (EME) 500,000 200,000 100,000 50,000 30,000
Deductible 100 100 100 100 100
Accidental Death – Common Carrier 5,000 5,000 5,000 3,000 3,000
Deductible Nil Nil Nil Nil Nil
Permanent Disablement – Common Carrier 5,000 5,000 5,000 3,000 3,000
Deductible Nil Nil Nil Nil Nil
Hospital Cash 15 per day/ Max 150 15 per day/ Max 150 15 per day/ Max 150 15 per day/ Max 150 15 per day/ Max 150
Deductible 1 Day 3 Days 1 Day 4 Days 4 Days
Emergency Dental Treatment 500 500 500 300 300
Deductible 150 150 150 150 150
Loss of Baggage & Personal Documents 250 250 250 250 250
Deductible 30 30 30 30 30
Medical Evacuation Included inEME Included inEME Included inEME Included inEME Included inEME
Deductible Nil Nil Nil Nil Nil
Repatriation Included inEME Included inEME Included inEME Included inEME Included inEME
Deductible Nil Nil Nil Nil Nil
Loss of Checked Baggage 1,000 1,000 1,000 1,000 1,000
Deductible Max 50% Per Bag/10% PerItem Max 50% Per Bag/10% PerItem Max 50% Per Bag/10% PerItem Max 50% Per Bag/10% PerItem Max 50% Per Bag/10% PerItem
Delay of Checked Baggage 200 200 200 100 100
Deductible 12 Hours/$10 per 8Hours 12 Hours/$10 per 8Hours 12 Hours/$10 per 8Hours 12 Hours/$10 per 8Hours 12 Hours/$10 per 8Hours
Accidental Death 25,000 20,000 15,000 10,000 10,000
Deductible Nil Nil Nil Nil Nil
Permanent Disablement / Table B 25,000 20,000 15,000 10,000 10,000
Deductible Nil Nil Nil Nil Nil
Personal Liability 200,000 200,000 100,000 100,000 50,000
Deductible 200 200 200 150 150
Financial Emergency Assistance 1,500 1,000 700 500 300
Deductible Nil Nil Nil Nil Nil
Hijack Distress Allowance 75 perDay/ Max 525 75 perDay/ Max 525 75 perDay/ Max 450 75 perDay/ Max 450 75 perDay/ Max 450
Deductible 1 Day 1 Day 1 Day 1 Day 1 Day
Flight Delay $10 perHour/Max120 $10 perHour/Max120 $10 perHour/Max120 $10 perHour/Max120 $10 perHour/Max120
Deductible 6 Hours 6 Hours 6 Hours 6 Hours 6 Hours
Contingency Travel Benefits 3,000 3,000 3,000 3,000 2,000
Deductible Nil Nil Nil Nil Nil

Anual Multi Trip, Single Trip Asia and Family Floater: 

 

Benefits

Annual Multi Trip

Single Trip Asia

Family Floater
TITANIUM GOLD SILVER BRONZE SILVER
Emergency Medical Expenses (EME) 500,000 250,000 30,000 15,000 50,000
Accidental Death – Common Carrier 5,000 5,000 NA NA NA
Permanent Disablement – Common Carrier 5,000 5,000 NA NA NA
Hospital Cash 15 per day/Max150 15 perday/Max150 10 per day/Max150 10 per day/Max150 15 per day/Max150
Emergency Dental Treatment 500 500 500 500 200
Loss of Personal Documents 250 250 150 150 200
Medical Evacuation Included inEME Included inEME Included inEME Included inEME Included inEME
Repatriation Included inEME Included inEME Included inEME Included inEME Included inEME
Loss of Checked Baggage 1,000 1,000 300 300 400
Delay of Checked Baggage 200 200 100 100 100
Accidental Death 25,000 25,000 10,000 10,000 10,000
Permanent Disablement 25,000 25,000 10,000 10,000 10,000
Personal Liability 200,000 200,000 20,000 15,000 10,000
Financial Emergency Assistance 1,500 1,500 300 300 NA
Hijack Distress Allowance 75 per day/Max 525 75 per day/Max 525 75 per day/Max 525 75 per day/Max 525 75 per day/Max 525
Flight Delay 10 per hrs/Max 120 10 per hrs/Max 120 10 per hrs/Max 120 10 per hrs/Max 120 NA
ContingencyTravel Benefits 3,000 3,000 2,000 2,000 NA

HDFC ERGO Travel Insurance Claim Process

  • Hdfc Ergo Travel Insurance Claim Service Representative will guide you on the claim procedures and documents required.
  • Hdfc Ergo Travel Insurance claim form will be forwarded to you by mail, email or fax.

Documents Required For Hdfc Ergo Travel Insurance Claim Procedure are: 

Accidental Death
  • Attached Claim form (Page 1,2, Section A, Section C ) duly filled & signed by the treating doctor.(Mandatory Document)
  • 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 Medical Expenses – Accident Only
  • Attached Claim form duly completed (Page 1,2,3 with Section A,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.
  • Police FIR report, if applicable
  • 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.

Hdfc Ergo Travel Insurance Sub Limits and Deductibles

Sub Limits

Deductibles
Sub Limits  maximum eligible expenses per sickness  are applicable to the insured person aged 61- 70 yrs regardless of plan/option purchased.

  • Hospital Room & Boarding- Maximum US$ 1550 per day upto max 35 days
  • ICU & ICCU & ITU – Maximum US$ 3500 per day up to 7 days
  • Surgical Treatment – Maximum US$ 12,000
  • Anesthetic Service – Maximum 25% of surgical treatment
  • Physician’s fees – Maximum US$ 80 per visits up to 12 visits
  • Diagnostic & Pre Adm Testing – Maximum US$ 750
  • Emergency Medical Expenses: $ 100 for all plans and $ 50 for Single Trip Asia
  • Hospital Cash:
  1. Single Trip:Titanium Gold – 1 day, $ 15 per day/Max150 ,Platinum – 3 days, $ 15 per day/Max150
  2. Silver and Bronze: 4 days, $ 15 per day/Max150
  • Emergency Dental Treatment: $ 150 for all plans, $ 75 for Family Floater
  • Loss of Personal Documents: $ 30 for all plans, $ 20 for Family Floater
  • Loss of Checked Baggage: Max per Bag – 50%, per item – 10% of SI for all plans
  • Delay of Checked Baggage: 12 hours, $10 per 8 hours for all plans
  • Personal Liability:
  1. Single trip: Titanium, Platinum and Gold Plan $200 and Silver and Bronze plan $150.
  2. Annual multi trip: Gold Plan $200
  3. Travel Asia: Silver and Bronze Plan $200.
  • Family Floater Plan $200
  • Hijack Distress: Allowance: 1 day for all plans
  • Flight Delay: 6 Hours for all plans

 

HDFC ERGO Travel Insurance Inclusions and Exclusions 

Inclusions

Exclusions
The HDFC ERGO shall be liable to pay any benefit to the Insured caused due to:

  • Emergency Medical Expenses,Emergency Medical Evacuation and Repatriation
  • Emergency Dental Expenses
  • Hospital Cash
  • Accidental Death and permanent total disability
  • Personal accident
  • Flight delay
  • Loss of baggage
  • Loss of Checked baggage
  • Personal Liability
  • Financial Emergency Assistance
 The HDFC ERGO 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.

HDFC ERGO Travel Insurance FAQ’S

1.What are the available plans with HDFC ERGO?

A.HDFC ERGO provides coverages for Single Trip, Multiple Trips, Asia, and also a Family Floater Plan with various Sum Insured options to choose from.

2.What are the eligibility criterias?

A.Travel Insurance policy is available for all ages between 6 months – 70 yrs.

3.What are the minimum period for a trip to be insured?

A.Travel Plans provide coverage to travel trips as short as 1- 4 days.

4.Does one have to go through any medical examination?

A.No, there is no medical examination required upto the age of 70 years.

5.When does one have to submit medical examination?

A.For any insured, having adverse history shall have to submit medical reports irrespective of trip band.

6.For how many days the policy be extended?

  • A.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.

HDFC ERGO Travel Insurance Documents

Hdfc Ergo Travel Insurance policy Brochure:

  • Hdfc Travel Insurance Brochure has complete information about plan.
  • Buy Insurance Online from HDFC ERGO General Insurance broucher.

HDFC ERGO General Insurance brochure

Hdfc Ergo Travel Insurance Proposal Form: 

  • TRAVEL INSURANCE – Proposal Form for Individual / Asia / Multi Trip / Family.

hdfc ergo Travel Insurance Proposal Form

Hdfc Ergo Travel Insurance Claim Form:

  • Overseas Travel Insurance Claim Form is in below file.

hdfc ergo Travel Insurance Claim form

Hdfc Ergo Travel Insurance Policy Wordings:

  • Hdfc Ergo Travel Insurance policy wordings mainly consists of General conditions means Policy shall be governed by the laws of India and in which conditions it will be applicable.

hdfc ergo travel insurance Policy Wording

Hdfc Ergo Travel Insurance plan prospectus:

  • Hdfc Ergo Travel plan prospectus has complete product information.

hdfc ergo Travel Prospectus

Hdfc Ergo Travel Insurance Customer Care

Customer Service Address:

  • Hdfc Ergo Provides their service to the customers 24*7.
  • HDFC ERGO General Insurance Company Ltd. 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059 Phone: +91 -22 -6638 3600.

Hdfc Ergo Travel Insurance Claim Office:

  • If you are abroad, please contact +800 08250825 (International Toll Free).
  • Incase you are dialling from India, please contact 01204507250 (Chargeable) .
  • FAX no+91-120-6691600
  • Email travelclaims@hdfcergo.com

About Hdfc Ergo Student Suraksha Travel