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Articles » Travel insurance » HDFC ERGO Travel Insurance Buy Online & Review

HDFC Ergo travel Insurance


Travel insurance is The insurance that is intended to cover medical emergencies, medical expenses, flight accident ,cancellation of trips and loss of luggage, loss of important  documents.

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What are the coverage’s available under any Travel Insurance Policy

The General list of  common risks that are covered by insurance companies is as under:

1) Cost of Medical Treatment, this also includes to and fro charges of the vehicle from the  medical facility.

2) Cancellation of trip or  trip interruption, this covers any unused travel and/or accommodation costs,

And other charges (including any additional expenses incurred, by the customer, provided they are deemed reasonable & genuine)

Also Read: Religare Travel Insurance Plans


If a trip gets cancelled or cut short under the below circumstances.

  1. Visitor health insurance
  2. Accidental death, injury or disablement benefit
  3.   Overseas funeral expenses
  4.   Lost, stolen or damaged baggage, personal effects or travel documents
  5.   Delayed baggage (and emergency replacement of essential items)
  6.   Flight connection was missed due to airline rescheduling or delay
  7.   Travel delays due to weather
  8.   Hijacking
  9.   Medical expense coverage can be per-occurrence or maximum-limit.
  10. Death, injury, illness, disease, or pregnancy complications
  11.   compulsory quarantine
  12.   jury service
  13.   If called as a witness
  14. Termination of employment (provided the customer did not know about it before he booked the trip)
  15.   You have been called up if you are a member of the armed forces or other public defense or safety organization
  16.   Prohibition of travel by the government to the intended destination
  17.   Officially recommended evacuation from the intended destination
  18.   Official advisory against going to or remaining at the intended destination
  19.   Death or serious illness of a family member (subject to age restrictions)

Also Read: What Is Insurance?

Concept  and necessity of Travel Insurance in the International domain.

Specific countries will require that one has purchased sufficient coverage while applying for Visa Procedure. If something happen to the traveler while he is  traveling to that country, they do not want

to be burdened with the costs of traveler’s medical care and will require  to have a suitable plan meeting certain minimum requirements

  • A) Students traveling to the USA are required to have a qualified plan during their period of study As per their chosen course of study, travelers to countries in the Schengen countries have to satisfy the Visa Office that  they have sufficient insurance at the time of their visa application
  • B) Health insurance is mandatory for visitors to enter the UAE (Dubai, Abu Dhabi etc) and require a visit or tourist visa. The Travel companies who are organizing group tours/ package tours compulsorily require insurance..
  • c) Generally, most countries where one is applying for a visa are likely to also require a minimum level of travel insurance.

Optional Coverage’s:

Some of the Insurance Service providers travel policies which also provides cover for additional costs, although these vary widely between providers. 

 As per customer need, often separate insurance can be purchased for specific costs such as:

  • a) Traveling within high risk countries (e.g. war, natural disasters or countries which are affected by terrorism)
  • b) Additional AD&D coverage
  • c) Rental Car Coverage
  • d) Pre-existing conditions for particular diseases (e.g. asthma, diabetes, etc.,)
  • e) Sports with an element of risk (e.g. skiing, mountain climbing, scuba diving)
  • f) Cancel for Any Reason Coverage
  • g) 3rd party supplier insolvency (e.g. the restaurant or Company offering airline services to which you made non-refundable pre-payments has gone into administration)
  • h) Acute onset of pre-existing condition/s
  • i) Specific event coverage, (e.g., to cover travel cancellation costs if the reason the person is travelingsuch as a concert, is cancelled)

Exclusions in Travel Insurance policy

There are number of exclusions in the Travel Insurance Policy as follows:

  •  Pre-existing medical conditions.
  •  unlicensed operation of a vehicle
  •  Traveling for the purpose of receiving medical treatment.
  •  Elective surgery or treatment, or injury or illness caused by alcohol, drug use, or reckless behavior.
  •  Participation  in some sporting activities.
  • Events arising from war and terrorism are usually excluded.
  • Contrary to this most policies allow trip cancellation arising from war or an act of terrorism that meets the policy’s criteria.
  • New policies will often exclude circumstances based on an ongoing event, such as natural disasters e.g. typhoons or floods.
  • Long-term exclusions may be announced for events such a visit to Bali’s Mt Agung volcano  is being excluded from 2017 on-wards
  • Some policies exclude travel to certain countries, or parts of countries, where a greater risk is expected.

Also Read: Healthcare Insurance in India?

 Such decisions  are often made based on  the local government’s tourist  advice from organizations such as the US State Department of Foreign Affairs or any other nations foreign dept.

Travel insurance policy may provide certain facilities for 24X7  such as , 7 days a week which may consists of  concierge services and emergency travel assistance.

Pre-existing medical status must be declared prior to the trip start date.

The European Health Insurance Card (EHIC) entitled to treatment in state-run hospitals in European Union countries and  in Iceland, Norway, Liechtenstein and Switzerland, but can not be a substitute for travel insurance benefits..

HDFC ERGO is providing hassle-free travel insurance for international travel.

Travel insurance is important and compulsory for international Travel.

HDFC ERGO provides best Travel Insurance in India.

Travel Insurance package consists of health insurance plans and risk coverage  against baggage loss, passport and ticket loss while traveling in the world.

It also provides domestic travel insurance plans for traveling in India.

Also Read: HDFC Ergo Health Insurance Plans

HDFC Ergo provides best services as the company has tie-up with many hospitals in the world and they provide cashless health facilities.

HDFC ERGO travel insurance

Key Features of HDFC ERGO Travel Insurance

  1.  HDFC ERGO allows online travel insurance policy which can be purchased instantly.
  2.  It provides cashless claims. Thus one can get easy reimbursements if admitted to HDFC ERGO’s network hospitals.
  3. Even foreign nationals, who are employed with Indian companies and receiving salary in Indian Rupees may apply for travel insurance policy.
  4. Only condition is that they should provide proper IT Verification documents and a copy of their ration card.
  5.  The policy may be cancelled within the period of 14 days from the date of inception. The necessary documents are the copy of passport.
  6. The customer has to inform the company via email or fax or company’s customer care centre. The HDFC ERGO will charge Rs. 250/- as cancellation charges.
  7. The policy can be extended also, subject to certain conditions.

Many times one need to travel far and wide for personal reasons or business reasons or work, you can now leave all your worries behind by securing yourself with the HDFC ERGO Travel Insurance. These are some of the features of the policy:

Variety of plans:

A different plans that offer coverage for individuals in  the age of 6 months to 70 years are available.  One can choose from the following plans that suits particular need.

Single trip policy cover:

  • Applicable for the Age range of 6 months to 70 years

Annual multi-trip:

  • 18 years to 70 years Single trip for Asia continent (Japan Not covered ):Age Limit 6 months to 70 years

Family Floater Plan Available under travel insurance:

The person self & his spouse up to the age of 60 years and 2 child’s from 3 months up to the age of 21 years

24X7 Assistance:

  • If you need to make claims against your travel policy, then, emergency assistance will be available.

Online Travel Insurance Policy:

HDFC ERGO provides you the facility of Instant Online Policy:

Health Checkup : No medical procedures or health checkups are required to get HDFC ERGO Travel Insurance.

Cashless hospitalisation and claims: In case of an unfortunate incident  while travelling, one may avail the benefits of easy cashless hospitalisation.

As per company’s claims procedure. For the list of company’s International Service Provider one can check the Company Website.

Coverage details provided as per HDFC ERGO Travel Insurance policy.

HDFC ERGO Travel Insurance

Following  are the details regarding the coverage that the HDFC ERGO Travel Insurance policy offers:

  • Emergency Medical cost coverage This covers expenses incurred due to illness or accident including  mandatory and prescribed emergency evacuation. It covers OPD costs, in-patient, medical aid, therapies and diagnostic tests
  • Emergency medical evacuation: This covers the expenses for the purpose of  moving the insured person to the nearby hospital
  • Migration expenses: Covers the expenses for  moving the insured person to his/her country of residence
  • Dental expenses: Covers only non aesthetic treatment of natural teeth.
  • Cash for daily medical expenses : Pays a daily allowance in the event of hospitalization either due to sickness or an accident, as stated in the policy schedule.
  • Sum insured to be paid for accidental death and permanent total disability – Common Carrier: Pays the sum insured specified in the policy conditions .
  • In addition to the sum insured specified under this clause if the insured sustains, Bodily Injury during the course of the journey while travelling in a common carrier such as rail, bus, or aircraft; and if in accident,  bodily injury results in death or permanent total disability.
  • The company pays compensation in case of death or permanent total disability caused due to an accident.
  • Delay in flights or in between 2 flights: Pays compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time for purchase of meals, refreshments.
  • If Luggage gets lost and Documents gets lost: Pays actual cost of replacing lost document (inclusive of passport) and belongings.
  • If the baggage gets lost : Pays compensation for the permanent loss of checked-in baggage.
  • Delay for  checked-in baggage: Pays 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.
  • Liability clause: As per this section compensation for damages to a third party, resulting from death, injury or damage to his/her health or property caused involuntarily by the insured will be paid.
  • Financial Emergency Assistance: Assistance is provided where in the insured loses all or substantial amount of his / her travel funds due to theft, pilferage, robbery or dacoity
  • Special Contingency Travel Benefits:  Company pays for the cost of hotel accommodation , if the insured person sustains bodily injury or sickness, directly and independently of all other causes, which results in  admission and stay in hospital as per Doctor’s advice as an in-patient and he/she misses a flight back to his/her country of residence.
  • Hijack distress allowance: This covers the compensation payable in event of hijack of the common carrier in which the insured person is traveling, while on a trip abroad during the period of policy tenure..
  • A decided amount will be paid for each day of the hijack up to the limits specified under the policy.

HDFC Ergo General Insurance Company is a joint venture in between HDFC Limited and Ergo International AG. ( Primary entity of Munich RE Group )

The HDFC ERGO Insurance company have been present in around  89 cities and has over 109 branches all over India It is always better to stay safe while traveling in foreign country.

It provides  risk cover against many risks. You feel very secure and firm if you have policy cover.

Because in foreign country, you don’t have any support of you family and friends  directly.

Here HDFC ERGO Health insurance policy supports you against any misfortune. 

You can face any Health hazards while you travel.

HDFC Ergo is the solution to your problems while traveling abroad or in India.

Here question arises why does one require to buy a Travel Insurance?

Travel Insurance provides medical, financial and other assistance in case of an emergency or any unfortunate circumstances while traveling on an International Trip. 

It is highly required for a business trip  or a leisure trip. In some countries the visa application requires  a valid travel policy to get a visa.

The customer has become more and more safer with Overseas Travel Insurance

Because the HDFC Travel Insurance protects the individual  from unfortunate events such as medical emergency or an accident.

Thus it is better to get Insured before  your trip to face any unfortunate incidence.

Thus it helps an individual or family to enjoy a hassle free journey.

What are the available plans with HDFC ERGO?

HDFC ERGO provides coverage’s for various trips such as one time Trip, Multiple Trips, It also provides the location wise plans for Asia, Europe and other subcontinents. 

  • HDFC Ergo also provides a  Family Floater Plan with various options.  
  • Here one should think about the eligibility criteria for getting travel insurance. 
  • Travel Insurance policy  can be purchases for different age criteria i.e  from the child of 6 months to the elderly up to 70 yrs.
  • The minimum period for a trip should be in between 1 day to 4 days. Travel Insurance requires no medical check up unto 70 yrs of age.But in case of any pre-existing illness the company can arrange the medical check-up.
  •  It is compulsory to buy travel insurance before applying to schengen visa. The minimum coverage required is US$ 50000 under Travel Insurance plan. 

These are:

HDFC ERGO Travel Insurance
HDFC ERGO Travel Insurance

1) Individual Travel Insurance :

If anybody is fond of traveling to various destinations, then one should just keep his worries aside and should plan towards favorite location.

Traveling alone to various destination is really a fun, but it also requires for precaution and care.

One should plan the trip diligently for a delightful travel experience.

The basic things are flight tickets, Visa and choosing a comfortable accommodation as per your budget.

An Ideal Travel plan for individual travel should must have a risk cover to protect the traveller against any emergencies.

Here HDFC ERGO Travel insurance policy offers Travel Insurance to assure  amazing travel experience for various locations in foreign countries.

HDFC ERGO Travel Insurance is with you to deal any type of situations.

This can be anything like loss of luggage/baggage, loss of important documents and medical emergencies effectively.

With HDFC ERGO Travel Insurance, the individual feels confident  to deal with any type of mishappenings.

2) Family Travel Insurance

One should give the due importance to his family. The person plans trip to spend his quality time with the family.

The family has a right to enjoy the holidays as per their interest and liking.

A vacation at the beautiful and amazing destination helps you to spend some precious time with your near and dear ones and it is helpful for relaxing the mind and body.

The lot of enjoyment and fun can be achieved on overseas holiday plans.

We feel some different and exciting moments and it can be a memorable one in future also. One can experience a spiritual moments away from the regular urban life and city hustle/ noise pollutions and traffic.

International Travel could be fun, but remember that it also exposes oneself and his family  to any possible emergencies, hazards risks and uncertainties.

Travel insurance is mandatory to enjoy the trip to in the perfect manner.

Imagine that in case of any unexpected medical emergency arrives then one has to spent an unpredicted costs for a slightest ailment or minor injury.

The treatment cost can be more higher than as expected. such an expense disturbs your holiday trip and can lead you to financial problems also.

Let us imagine another case such as loss of luggage or important documents such as Passport during the trip It can lead to headache and mental instability . Consequently, it can make the trip an unfortunate trip.

To overcome above such situations and a  tension free vacation, HDFC ERGO provides Family Travel Insurance.

HDFC ERGO Family Travel Insurance keeps away one’s Family from possible risks and uncertainties.

3) Student Travel Insurance

Education is the most important aspect in one’s life. 

Anybody is interested to pursue the higher studies in foreign, then  he has to plan his finances and all other aspects, as he has to study in foreign universities to  give a shape to his future. 

Now-a- days various meritorious students in India are relocating to foreign countries to achieve one’s goals.

This has happened due to globalization. It has opened the various opportunities to the students who want to pursue the career of their choice. 

The number of students who wish to pursue higher studies overseas is increasing day by day.

Studying abroad includes adjusting with the totally new environment. There are possibilities that one may lose of important documents and luggage. 

 Many other incidents may disturb the students’ stay and at foreign countries. Such situations may adversely affect one’s family and financial portfolio at international destinations.

In foreign countries the medical expenses are quite high, as compared to home country.

HDFC ERGO understands the requirement of students in this aspect.

HDFC ERGO travel insurance policy has adequate plans To cover medical emergencies and other losses.

HDFC ERGO Travel insurance policy supports the students in their study period in foreign countries.

HDFC ERGO Travel Insurance policy offers a sufficient  coverage and benefits at a very affordable premium.

Also Read: What is term insurance?

Benefits of HDFC ERGO Travel Insurance Policy.

The range of Insurance  coverage provided by the Company.

Detailed coverage that the HDFC ERGO Travel Insurance policy offers:

  • A) Emergency Medical Expenses:   This covers medical expenses incurred due to illness or accident, including medically essential  and prescribed emergency evacuation. It covers OPD expenses , in-patient expenses , medical treatment , therapies and diagnostic tools.
  • B) Emergency medical evacuation:  As per this provision the amount required  in moving the insured to the nearest hospital
  • C) Repatriation of remains:  The expenses incurred in moving the insured to his/her home country will be paid.
  • D) Emergency dental expenses: This covers non aesthetic treatment of natural teeth.
  • E) Hospital cash: As per this facility  company pays a daily allowance in the event of hospitalization either due to sickness or an accident, as per  policy schedule.
  • F) Accidental death and permanent total disability – Common Carrier: As per this clause, company pays the sum insured specified in the related schedule.
HDFC ERGO travel insurance

The Cancellation Process in HDFC ERGO Travel Insurance.

One can cancel his travel insurance policy easily.Only the condition is that  customer has not travelled.

If the cancellation request is made after the commencement of the policy date,  then the photocopy of the passport having all the pages is required as a proof that the customer has not travelled during his policy tenure to international trip.

 The necessary steps before purchasing a Travel Insurance Policy. 

A travel plan, towards a  foreign location, should be pre-planned A care should be taken depending on your travel plan, destination and budget.

 As per your requirement and budget choose the travel insurance policy. Please remember to know the inclusions and exclusions of the particular travel insurance policy as well as the exclusions part carefully.

Exclusions for  HDFC ERGO Travel Insurance policy

Below are the exclusions on the policy that should be noted.
  1. Civil war or foreign war
  2. Terrorism
  3. Self-inflicted injury, suicide
  4. Non-adherence to medical advice
  5. The insured person has consumed  liquor, drugs or narcotics (unless advised / administered by a physician)
  6. Participation in any sport as a professional player
  7. Participation in any criminal act
  8. AIDS or HIV
  9. Treatment of nervous and mental problems
  10. The insured person is participating in sporting activities like parachuting, hang gliding, bungee jumping, etc.

Claim Procedure regarding HDFC ERGO Travel Insurance Policy.

  If any incident occurs in which the insurer wants claim under the policy, If he is abroad, then one should contact +800 08250825 (International Toll Free Number ).

In case the person is  dialing from India, then contact 01204507250 (Chargeable). HDFC ERGO claims service representative will guide the concerned on the claim procedure is and the required documents.

Claim form and other documents can be collected from the concerned person by HDFC ERGO personnel.

Along with this, one may send them to Company’s Claims Processing Cell at the following address:

HDFC ERGO General Insurance Company Limited

6th Floor, Leela Business Park,

Andheri Kurla Road,

Andheri – East, Mumbai- 400 059, India

Download HDFC ERGO Travel Insurance Claim form

Claim Form

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