A long drawn vacation, an official tour or a trip to study…whatever your reason, traveling abroad, is full of exciting times. And why let anything come between you and your trip abroad. Be it a loss of passport or a sudden ailment or even loss/delay of your baggage… leave all your travel worries to HDFC ERGO travel insurance and explore a whole new destination with complete peace of mind!

With HDFC ERGO travel insurance, there is a plan to suit every need. And with a range of plans covering pleasure and business travel, you will find adequate coverage for a premium that is much lower than you ever expected.

Key Highlight

• Entry Age:

1. Single Trip: 6 months to 70 years
2. Annual Multi-Trip: 18 years to 70 years
3. Family Floater: 3 months to 60 years
4. Single Trip Asia Excluding Japan: 6 months to 70 years

• Rest assured on our international travel assistance provider on call 24*7
• Optimum Coverage at Low Costs
• Online purchase option available

Coverage Features

General Covers available across all our plans are as follows:-

• Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as described in the policy schedule.
• Emergency Medical Evacuation: Evacuation to the home country is covered up to the medical sum insured chosen.
• Repatriation of remains: Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death of the insured overseas
• Emergency Dental Expenses: Covers acute anesthetic treatment of natural teeth
• Hospital Cash: Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents.
• Accidental Death and Permanent Total Disability – Common Carrier: The company will pay the sum insured specified stated in the schedule in addition to the sum insured specified under the Personal Accident Section if the insured sustains Accidental Bodily Injury during the journey while traveling in a common carrier such as rail, bus, tram, or aircraft; and such bodily injury results in death or permanent total disability.
• Personal Accident: Compensation paid in case of death or permanent total disability caused to an accident.
• Flight Delay: Compensation if the aircraft is delayed for more than 12 hours than the originally scheduled departure time.
• Trip Cancellation: Compensation for loss of personal accommodation or travel charges following the necessary and unavoidable cancellation of the trip due to death, serious injury or sudden sickness of insured or family member
• Loss of Passport: Expenses incurred in obtaining a fresh or new passport
• Loss of Checked Baggage: Compensation for the permanent loss of checked-in baggage
• 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.
• 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.
• 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.
• Hotel Accommodation: 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.
• Hijack Distress Allowance: Insurance cover is provided in the event of the hijack of the air or sea common carrier in which the Insured Person is traveling 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.

What is Not Covered?

The company 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 the 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.