HDFC Ergo General Insurance Company Limited: Travel Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. HDFC ERGO has been assigned ‘iAAA’ rating by ICRA indicating its highest claim paying ability and been certified with ISO certification for claim services, policy issuance, customer servicing and standardization and uniformity of Information Security processes being followed across all branches & locations.

The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space.

Travel insurance plans from HDFC Ergo

HDFC ERGO has various Travel Insurance Plans for securing your travel related contingencies. For over 15 years, the brand is serving travel insurance to its valuable customers and understands the different travel needs of the overseas travellers.

Some travel insurance plans offered by HDFC Ergo are:

Individual Travel Insurance Plans

HDFC Ergo has travel insurance plans for individual travelers in the age group of 6 months to 70 years, with sum insured ranging from US$ 30,000 to US$ 500,000.

Bronze Plan: US$ 30,000

Silver Plan: US$ 50,000

Gold Plan: US$ 100,000

Platinum Plan: US$ 200,000

Titanium Plan: US$ 500,000

Coverage under HDFC ERGO Travel Insurance Individual Plans

Emergency medical expenses:

HDFC ERGO Travel Insurance covers hospitalization expenses, out-patient expenses, medical aid, therapies and diagnostic tests costs incurred due to illness or accident.

Personal Accident:

Compensation is paid in case of accidental death or permanent total disability.

Flight delays

Delay in flights or rescheduling of flight is a common scenario during international travel. In case the aircraft is delayed for more than 6 hours then the we reimburse the amount spent on purchase of meals, refreshments etc. subject to submission of bills.

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.

Loss of baggage & personal documents:

Get a cover in case of lost baggage or loss of personal documents such as passport and other relevant documents.

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.

Other Benefits:

Personal Accident (Common Carrier), Hospital Cash, Emergency Dental Treatment, Medical Evacuation, Repatriation, Loss of Checked Baggage, Financial Emergency Assistance, Hijack Distress Allowance and Contingency Travel Benefit.





Family Travel Insurance Plans

HDFC ERGO Family Travel Insurance offers family travel insurance plans for self, spouse, and parents (Mother and Father) from18 to 60 years of age and a maximum of 2 children in the age group 3 months to 21 years. The sum insured options are from US$ 50,000 to US$ 500,000

Coverage under HDFC ERGO Travel Insurance Family Plans

Emergency medical expenses:

HDFC ERGO Travel Insurance covers hospitalization expenses, out-patient expenses, medical aid, therapies and diagnostic tests costs incurred due to illness or accident.

Personal Accident:

Compensation is paid in case of accidental death or permanent total disability.

Loss of baggage & personal documents:

Get a cover in case of lost baggage or loss of personal documents such as passport and other relevant documents.

Other Benefits :

Emergency Dental Treatment, Loss of Baggage & Personal Documents, Repatriation, Loss of Checked Baggage, Delay of Checked Baggage, Personal Liability and Hijack Distress Allowance.

Medical Evacuation

In case your condition is critical and you are supposed to be airlifted or taken in an ambulance to a better medical facility, the policy will cover all cost incurred during this move.





Student Overseas Travel Insurance Plans

HDFC travel insurance offers overseas health insurance plans to students in the age group 16 to 35 years, going abroad for studies. The sum insured options available are US$ 50,000 to US$ 500,000.

Coverage under HDFC ERGO Travel Insurance Student Plans

Accidental Death:

Pays the family of the insured compensation in the case of loss of life in an accident.

Permanent Disablement:

Pays compensation if the insured is permanently disabled in an accident.

Emergency Medical Expenses:

Reimburses the insured for medical expenses incurred for an accident or an unexpected sickness.

Medical Evacuation:

Pays the actual costs or the total sum insured, stated in the schedule, whichever is lesser, for repatriating insured back to the country of residence.

Body Repatriation:

Pays the actual costs or the total sum insured stated in the schedule, whichever is lesser, for repatriating insured corpse to the country of residence.

Emergency Dental Treatment:

Reimburses the insured for emergency dental expenses incurred for an injury or acute pain.

Loss of Passport:

In the event that the passport belonging to the insured is lost, the insured is reimbursed the actual expenses incurred in obtaining a duplicate or fresh passport.

Loss of Checked Baggage:

If baggage, personal documents or personal effects are checked onto a common carrier, the insured is reimbursed the cost of replacement for any damaged or lost articles.

Delay of Checked Baggage:

Provides an amount for emergency purchases on account of delay in baggage.

Personal Liability:

Pays a benefit for damages that an insured person is legally liable for as the result of a lawsuit for property damage being brought against the insured person. Also pays a benefit for medical expenses that an insured person is legally liable for as the result of a law suit for an accident caused by the insured person resulting in bodily injury to another person.

Bail Bond:

Pays the bail amount for the insured on arrest or detention by police for a bail-able offence in the territory of travel.

Study Interruption:

Pays compensation in the event of interruption of study whilst abroad.

Sponsor Protection:

Pays tuition fees to the insured in the event of accidental death of insured’s sponsor.

Compassionate Visit:

Pays amount incurred to the insured in the event of compassionate Visit by one immediate family member.

Psychological Coverage:

Pays for treatment of mental and nervous disorders, including alcoholism and drug dependency.

Treatment for Expectant Mothers:

Pays for in-patient medical expenses related to pregnancy after a waiting period of 10 months.

Screening and Examinations:

Pays for cancer screening and mammographic examinations on recommendation from physician.

Childcare Benefit:

Pays for hospital cash benefits of childcare.

HDFC Ergo General insurance company also provides annual multi trip plans for frequent/business traveller.