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
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 |
|
Emergency Medical Expenses |
|
Emergency Medical Expenses – Accident Only |
|
Emergency Dental Treatment |
|
Loss Of Baggage & Personal Documents |
|
Checked Baggage Loss (Including Baggage Damage) |
|
Baggage Delay |
|
Trip Cancellation |
|
Trip Interruption |
|
Loss of Cash |
|
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.
|
|
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:
|
The HDFC ERGO shall not be liable to pay any benefit to the Insured caused due to:
|
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 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