hdfc ergo international travel insurance

HDFC ERGO Overseas Travel Insurance

HDFC ERGO General Insurance Company Ltd. is a 74:26 joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. 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.

Toll Free - 1800 2 700 700 Fax - 91-22-6638 3699 Email: [email protected]

HDFC ERGO Overseas travel insurance is a policy that safeguards you against unforeseen mishaps during your travel and stay abroad. The Travel Insurance plans offers you cashless hospitalization, instant policy issuance and 24x7 helpline assistance with no medical health check up.

Unique Features of HDFC ERGO Overseas Travel Insurance

Cashless claim settlement in network hospitals

24X7 toll-free assistance when abroad

No health check-up

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

Optimum coverage at low costs

Eligibility Criteria for HDFC ERGO Overseas Travel Insurance

Product benefits of hdfc ergo overseas travel insurance, exclusions for hdfc ergo overseas travel insurance.

• Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining treatment.
• Any Pre-existing Condition or any complication arising from it
• While under the influence of liquor or drugs.
• Through deliberate or intentional, unlawful or criminal act, error, or omission.
• Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
• Any pre-existing injury or condition
• Pregnancy except from ectopic pregnancy
• Racing on wheels or horseback, winter sports, canoeing in white water rapids and bodily contact sports
• Treatment rendered by a doctor who shares the same residence as the insured or who is a member of the insured persons family
• Mental illness, stress, psychiatric or psychological disorders

The company shall not be liable to pay any benefit to the Insured caused due to:

• Civil War or Foreign War
• 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.

Please refer the policy wordings for detailed list of exclusions.

Claim Process for HDFC ERGO Overseas Travel Insurance

Service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.

Service Provider details

International Toll Free +800 08250825 India 01204507250 (Chargeable) Email [email protected] Fax (+91-120-6691600 )

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HDFC Ergo Travel Insurance Review

When you are traveling overseas, there is a need of a reliable companion in the form of a travel insurance plan to take care of any unfortunate event that might take place in a strange land. With luggage being regularly lost by airlines, thefts occurring in every country and even unexpected medical emergencies bringing holidays to a grinding halt, an overseas travel insurance plan is the only way to stay protected from the impact of such mishaps.

HDFC Ergo travel insurance is the product of a joint venture between HDFC Limited and Ergo International AG, in which HDFC Limited is the major holder with 74 percent stake. HDFC Ergo travel insurance plan is available in a lot of variants, offering the best suited product for every type of traveler. Let us take a look at the various features that makes HDFC Ergo Travel Insurance desirable.

Tip: Don't forget insurance. Check out the best plans here.

Also Read: Best Travel Insurance for Pre-Existing Conditions

Key Features of HDFC Ergo Travel Insurance

• Variety in Plans: HDFC Ergo’s travel plans can be bought by individuals, families and students , which can be bought online. The insurance provides coverage for single trip, multiple trips and trips to Asia. HDFC Ergo Travel Insurance has a Family Floater Plan that gives you the option to choose from various sum insured options. It also offers the option to extend or modify your travel dates online.
• Easy Eligibility: To be eligible for the single trip plan, the applicant should be an Indian citizen of aged anywhere between 6 months and 70 years, whereas for annual multi trip the age bracket has been kept between 18 years to 70 years. Unlike other travel insurance plan, there is no need to undergo a medical examination to buy this travel plan.
• Duration : HDFC Ergo’s travel insurance provides coverage to travel trips which could be as short as 1- 4 days.
• Maximum Inclusions: These plans cover a buffet of expenses that a person could incur during overseas travel, some of which are:
• Coverage against all kinds of medical expenses incurred due to a certain illness, accidents, covering all in-patient, outpatient, diagnostic tests, therapies and other related expenses.
• Compensation in the event of the permanent total disability and unfortunate demise of the insurance buyer due to an accident .
• Compensation for flight delays for more than 12 hours of the scheduled departure time.
• Compensation for the loss or delay of checked baggage or loss of personal documents.
• If the buyer faces a legal liability due to the property damage or injury caused to a third party during the travel period, they can be compensated with HDFC Ergo travel insurance.
• Minimum Exclusions: The insurance company makes it clear that it will not pay for any expenses caused due to a Self Inflicted Injury or suicide, terrorism, civil war or foreign war and more. Visit their website to get the full list of exclusion.
• Fast Claim Settlement: HDFC assures claim settlement for minor accidents or thefts within 3 days, and 7 days for all the other cases.

Also read: Where to buy Travel Insurance from

Overall, HDFC Ergo Travel Insurance is a good product to opt for. If you are looking for tips on choosing the best travel insurance plans , check out this article .

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HDFC ERGO Travel Insurance – Benefits, Coverage, Reviews & More

HDFC Ergo General Insurance Company is a joint venture between some of the leading names in the financial sector. The company is jointly owned by HDFC Limited and ERGO International AG. HDFC Limited is a housing finance company which is quite reputed in India and ERGO international AG is the insurance component of the Munich Re Group. Thus, both the companies have tremendous expertise in insurance and finance as a result of which HDFC Ergo offers various attractive general insurance policies. Travel insurance policies are also offered by the company which provides coverage when you are travelling.

Let’s understand HDFC Ergo travel insurance plans in detail.

Why choose HDFC Ergo travel insurance?

HDFC Ergo travel insurance plans have a definite edge over other policies because of the following reasons

• HDFC Ergo enjoys the trust of more than 1 crore individuals and is, therefore, a trusted and a reputed company
• The company provides its customers with 24*7 support for any type of query or feedback that they might have
• HDFC Ergo travel insurance offer you the benefit of paying premiums per day of travel ensuring that you do not pay additional premiums
• No pre-entrance medical check-ups are needed to buy HDFC Ergo travel insurance plans
• You can buy any HDFC Ergo travel insurance policy online without getting involved in unnecessary paperwork. HDFC Ergo provides complete online assistance when it comes to buying travel insurance policies
• The company has an in-house claim settlement department which makes it easier and convenient for you to get settlement of your travel insurance claims
• In case of medical contingencies faced when travelling, you can avail cashless treatments at across more than 8 lakhs hospitals over the world which are tied-up with HDFC Ergo

Types of HDFC Ergo travel insurance plans

HDFC Ergo offers a range of travel insurance policies for different types of trips that you might undertake. The list of HDFC Ergo travel insurance plans is, therefore, as follows

• HDFC ERGO Individual travel insurance plan

This policy covers a single individual travelling to another destination. The policy has the following features

• There are destination specific individual travel insurance policies. These policies are Asia plan, Schengen countries plan, worldwide plan excluding USA and Canada and worldwide plan including USA and Canada
• You can buy a single trip policy or an annual multi trip policy covering multiple trips taken during a year
• Foreign nationals who are working in India and drawing their salary in INR can be covered under the policy
• Even foreign individuals who are living in India can be covered
• There are four plan variants of Silver, Gold, Platinum and Titanium under single trip plan

Coverage benefits under HDFC ERGO Individual Travel Insurance Plan

Coverage under individual travel insurance plans is provided for the following

• Cashless treatments at networked hospital in case of medical emergencies
• Emergency dental treatments necessitated due to an injury or accident
• Medical evacuation to the nearest hospital for treatments
• A daily cash allowance if you are admitted to the hospital for 24 hours or more
• Repatriation of the dead body back to the resident country in case of death
• Coverage against accidental death
• Coverage against permanent disability
• Loss of baggage and personal documents
• Delay or loss of checked-in-baggage
• Coverage against liability faced in case of third party damages in a foreign country
• Emergency cash assistance in case of theft or robbery
• lAllowance for hijack of your flight
• Coverage for flight delay
• Coverage for extension of hotel stay due to unavoidable circumstances

Exclusions under HDFC ERGO Individual Travel Insurance Plan

Though individual travel insurance plans provide a comprehensive list of coverage features, the following would not be covered under the policy

• Medical contingency suffered due to criminal acts
• Medical emergency suffered due to alcohol consumption, drug usage or use of any other intoxicating substance
• Any treatments which are caused due to pre-existing illnesses
• Any type of cosmetic treatment or treatment related to weight management
• Medical emergencies suffered due to suicide, attempted suicide and self-inflicted injuries
• Injuries suffered due to participation in adventure sports or hazardous activities

Eligibility criteria of HDFC ERGO Individual Travel Insurance Plan

• HDFC ERGO Family Travel Insurance Plan

A family travel insurance policy covers you along with your family members under the same plan. The features of the plan are as follows –

• All travelling family members are covered under a single travel insurance policy which includes self, spouse and up to two dependent children
• You can choose an annual multi trip policy for the whole family if you take regular trips. Alternatively, you can also choose a single trip policy covering one specific trip which you undertake with your family
• There are four coverage variants and the sum insured and coverage benefits vary across each variant
• In case of business professionals, their spouse and dependent children can be covered under the policy

Coverage under HDFC ERGO Family Travel Insurance Plan

Family travel insurance plan covers both medical as well as non-medical emergencies suffered by any family member while on the trip. The plan allows coverage for the following instances

• Medical treatments due to an emergency
• Medical evacuation
• Costs incurred in undergoing an emergency dental treatment due to an injury suffered
• Hospital cash allowance benefit if you are hospitalised for a period of 24 hours or more. This benefit is paid per day of hospitalisation
• Repatriation of mortal remains if the insured member dies on the trip
• A lump sum benefit is payable in case of accidental death or permanent disablement suffered by any insured member
• If you or your family members cause any third party damage, the liability that you face would be covered under the policy
• Loss or delay of your checked-in-baggage
• Loss of personal belongings and important documents while on the trip
• Hijack distress allowance on a per day basis if your flight is hijacked

Exclusions under HDFC ERGO Family Travel Insurance Plan

The following are instances which are not covered under a family travel insurance policy

• Any act which breaches the law
• Any contingency suffered due to alcohol or substance abuse
• Contingency suffered due to participation in adventure sports
• Cosmetic treatments
• Any type of obesity related treatments
• Attempted suicides and self-inflicted injuries
• Illnesses which occur due to pre-existing diseases or conditions

Eligibility criteria of HDFC ERGO Family Travel Insurance Plan

• HDFC ERGO Student Travel Insurance Plan

A student travel insurance policy is specifically designed for students who go abroad for higher studies. These policies have coverage benefits which are needed by students. The salient features of the student travel insurance plan offered by HDFC Ergo are as follows

• There are two types of policies offered under this category – worldwide excluding USA and Canada and worldwide coverage
• The scope of coverage is quite extensive and the premiums are also affordable
• Resident Indian students can buy this policy if they are going abroad for higher education
• There are five plan variants of Standard, Bronze, Silver, Gold and Platinum
• Add-on covers are also available under the plan at an additional premium

Coverage features of HDFC ERGO Student Travel Insurance Plan

HDFC Ergo student travel insurance plans have the following coverage benefits

• Cashless treatments at networked hospitals in case of emergency medical contingencies
• Coverage against dental treatments required in case of injuries
• Medical evacuation by air or surface to the nearest hospital for treatments
• Repatriation of the dead body in case of death of the student
• Coverage against accidental death and permanent disability suffered abroad
• Delay in receiving the checked-in-baggage or loss of the baggage altogether
• Personal liability faced due to any third party damage caused by the student
• Coverage against bail money if the student is imprisoned abroad
• Coverage against study interruption if the student falls sick which results in a prolonged hospital stay of is an immediate family member dies. In such cases, the tuition fee is paid as compensation
• Payment of tuition fee if the sponsor of the student dies and the student is unable to meet the education costs
• Coverage for compassionate visit of a family member if the student falls sick abroad. The cost of return fare tickets is paid as claims
• Coverage for getting a new passport in case of loss of the earlier one

Additional coverage features of HDFC ERGO Student Travel Insurance Plan

By paying an additional premium, you can avail coverage for the following instances too

• Medical expenses incurred on an inpatient basis due to pregnancy
• Treatment costs incurred for treating mental disorders, nervous disorders, drug dependency and alcohol addiction
• Costs of cancer screening and mammography exams
• Daily allowance payable for child care benefits for up to 7 days

Exclusions under HDFC ERGO Student Travel Insurance Plan

A student travel insurance plan offered by HDFC Ergo excludes the following instances of claims

• Self-inflicted injuries, suicides or attempted suicides
• Acts of criminal nature and their consequences
• Claims arising due to alcohol or drug abuse cases
• Pre-existing illnesses and their complications are not covered
• If the student participates in any hazardous activities or adventure sports, any resulting emergencies would not be covered
• Cosmetic and weight management treatments are not covered
• Pregnancy expenses would be covered only after a waiting period of 10 months

Eligibility criteria of HDFC ERGO Student Travel Insurance Plan

• Frequent Flyers Insurance Plan

This is an annual multi-trip policy which is suitable for individuals who travel frequently during a year for their work related needs. The features of the policy are as follows –

• You can avail cashless treatments at a vast network of hospitals all around the world as they are tied-up with HDFC Ergo
• Unlimited number of trips are covered under the policy and one trip should not exceed 45 days
• The plan has two coverage variants of Gold and Platinum

Coverage under frequent flyers insurance plan

The frequent flyers insurance policy covers the following types of claims

• Medical emergencies suffered while on the trip
• Emergency medical evacuation
• Emergency dental treatments due to an injury
• Daily cash allowance benefit in case of hospitalisation
• Medical repatriation and repatriation of mortal remains
• Accidental death and disablement
• Loss of baggage
• Loss of personal documents
• Delay of checked-in-baggage
• Loss of checked-in-baggage
• Personal liability for causing any third party damage
• Emergency financial assistance due to loss of funds to theft, robbery or dacoity
• Hijack distress allowance if the flight is hijacked
• Hotel accommodation in case of extension of the trip due to unavoidable circumstances
• Delay of flight and the consequences thereof

Exclusions under frequent flyers insurance plan

The frequent flyers insurance policy does not cover the following types of claims –

• Claims made for pre-existing illnesses
• Claims made for any activity which is illegal and criminal in nature
• Claims suffered because of being under the influence of alcohol and/or drugs
• Any type of cosmetic and obesity related treatments which are not medically necessary
• Claims suffered because of participation in adventure sports
• Claims suffered due to self-inflicted injuries or suicides

Eligibility criteria of frequent flyers plan

How to buy HDFC Ergo Travel Insurance plans?

You have various options to buy HDFC Ergo travel insurance plans. These options are as follows

• Through HDFC Ergo’s branch HDFC Ergo General Insurance Company has a widespread network of branches all over India. You can locate the branch office of the company in your city and visit the nearest branch to buy the policy. Visit the branch, avail an application form, fill up the form and submit it with your documents and premium amount. The application process would be done. The company would, then, assess your application and issue the policy at the earliest.
• Through HDFC Ergo’s insurance agent HDFC Ergo also has a network of insurance intermediaries who sell the company’s policies. You can find and approach an agent of the company and apply for HDFC Ergo travel insurance plans from him/her. An application form would have to be filled and submitted along with your documents and premium amount. The agent would submit your application to the company and HDFC Ergo would, then, assess your application. If everything is in order, the policy would be issued at the earliest.
• Through the company’s website Applying for HDFC Ergo travel insurance plans online is perhaps the most convenient mode of buying. HDFC Ergo allows online issuance of its travel insurance policies and so you can apply for a suitable travel insurance policy online from the company’s website. To apply, visit https://www.hdfcergo.com/travel-insurance and choose the most suitable policy depending on the type of trip you are undertaking. Fill in the online application form stating your details and the details of the trip. Pay the premium online and the policy would be issued in an instant.

Documents required for buying HDFC Ergo travel insurance plans

To buy HDFC Ergo travel insurance plans, the following documents would be needed –

• Proposal form/application form
• Identity proof of the insured members
• Age proof of insured members
• Travel tickets
• Travel Visa
• Any other document as required by the insurance company

How to renew HDFC Ergo travel insurance plans?

If you want to renew your policy, you can visit the company’s website and renew the policy instantly online. Just provide your policy details and pay the renewal premium and your policy would be renewed at the earliest.

How to make a claim under HDFC Ergo travel insurance plans?

As mentioned earlier, HDFC Ergo has an in-house claim settlement team for its travel insurance claims. Thus, in case of a claim, you simply have to inform the company of your claim and the company would guide you with the next steps which should be taken. To inform the company you can choose any of the following options

• Send an email to the company at [email protected]
• Call the international toll-free number of the company +800 0825 0825 and inform the company of the claim
• Call on the landline of the company at +91 120 4507250. This call would be chargeable as per international call rates

After informing the company, you would be told of the next steps to be followed. Take the specified steps, fill up a claim form and submit the form with the relevant documents to get a settlement of your claim.

Documents required for claims

For your claim to be settled, the following documents would have to be submitted

• Identity proof
• In case of a medical claim – all medical bills and reports
• Other claims – proof of claims

Is it possible to extend the coverage duration if the trip is extended?

Yes, HDFC Ergo travel insurance plans allow extension of your coverage if the trip duration extends due to unavoidable situations. You can extend your coverage for up to 360 days by requesting the company for an extension. An additional premium would have to be paid for such an extension.

When does a travel insurance plan expire?

A travel insurance plan has a coverage duration which is equal to the duration of the trip. Once the coverage duration is over, the plan would expire.

Can I change the travel dates after buying HDFC Ergo travel insurance policy?

Yes, the travel dates can be changed after you have bought an HDFC Ergo travel insurance policy but if the trip has not already started.

Will I get a refund if I come back early from the trip?

No premium refund is allowed if you cut short your trip and come back to the origin country.

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Policy Cancellation & Refund

Policy cancellation and refund of the premium shall be as per the terms & conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to contact the toll free number of your Insurance Company or refer the respective section of your Policy terms and conditions. You can also call us at our toll free number 1800-266-0101 or write a mail to us at [email protected] . We shall be available to guide/assist you.

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HDFC ERGO Travel Insurance Plan

HDFC ERGO Travel Insurance is a low cost plan for Overseas Travel. Whether you are travelling on work or vacation, either alone or with your family, this plan can be of great assistance in case of an emergency. The plan is called Travel Safe.

The plan can be purchased online with instant issuance without any medical check-ups.

Key Features

The policy can be purchased online instantly

International travel assistance provider on call 24*7

• Optimum Coverage at Low Costs
• Coverage for those upto the age of 70
• No health check-ups

Eligibility

• For Single Trip  – 6 months to 70 years
• For Annual Multi Trip  – 10 to 70 years
• Self: upto the age of 6 years
• Spouse:  upto the age of 6 years
• Child: Max 2, upto the age of 21 years

The company shall not be liable to pay any benefit to the Insured caused due to:

• Civil War or Foreign War
• 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.

For a detailed list, kindly refer the HDFC Ergo Travel Insurance Policy Wordings.

Claim Process

• In case of any event leading to a claim under the policy, please call HDFC Ergo’s Service Provider M/s. International SOS on Ph: +9111 4189 8872 / +9111 4189 8800 Fax:- 011 - 4189 8801
• The Claims Service Representative will guide you on the claim procedures and documents required
• A claim form will be forwarded to you by mail, email, or fax
• Complete the claim form relevant to the nature of loss as indicated below.

Attach the documents mentioned against the claim type:

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• HDFC Ergo Travel

HDFC Ergo Single Trip Insurance

Hdfc ergo travel insurance quotes.

HDFC Ergo Travel Insurance will cover you against any medical or non medical expenses.

Why Choose HDFC Ergo Travel Insurance?

• Upto the age of 70 years there is no medicals.
• Optimum Coverage at Low Costs.
• There are four overseas travel insurance plans with comprehensive coverage namely Single Trip, Multi Trips, Asia & Family which are designed to satisfy the travelers’ requirements.
• Online purchase.

HDFC ERGO Travel Insurance review

USD 30,000 to 5,00,000

Policy Wordings

HDFC Ergo Travel Insurance Overview

Eligibility criteria to purchase hdfc ergo travel insurance.

• HDFC Ergo travel insurance plan for single trip can be purchased between the age of 6 months to 70 years.
• HDFC Ergo travel insurance plan for annual multi trip can be purchased between the age of 18 years to 70 years.
• HDFC Ergo travel insurance plan for single trip Asia Excluding Japan can be purchased between the age of 6 months to 70 years.
• HDFC Ergo travel insurance plan for Family Floater Excluding & Canada can be purchased upto the age of 60 years, Spouse upto the age of 60 years & maximum of 2 children from 3 months upto the age of 21 years.

Benefits of HDFC Ergo travel insurance

What does hdfc ergo travel insurance cover.

• 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 which are described in the policy brochure.
• 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 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.
• Personal accident: Compensation paid in case of death or permanent total disability caused due to an accident.
• Flight delay: Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time.
• 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.

Exclusions under HDFC Ergo Travel insurance policy

• Travelling against the advice of a physician, for obtaining treatment, preexisting ailments & complications arising out of them, suicide or attempted suicide, War, Terrorism, Illegal Acts, Dangerous Sports, Pregnancy resulting childbirth, miscarriage abortion or any other complications.
• Children below the age of 5 yrs are covered by excluding following diseases: Mumps, Chickenpox, Measles, German Measles, Spina Bifida, Whooping Cough, Diphtheria, Poliomyelitis, Meningitis & Scarlet Fevers

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How to buy online.

You can buy insurance online by using a credit/debit card, UPI, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy HDFC Ergo travel medical insurance after approval.

Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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In case of a claim or reimbursement of treatment expenses, notify HDFC Ergo by contacting them.

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Home > Personal Finance > Insurance Companies > HDFC ERGO Travel Insurance

HDFC ERGO Travel Insurance

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HDFC ERGO Travel Insurance Reviews

Took travel insurance for my mother in law travelling to UK

She had emergency surgery for cancer but despite submitting all documents - they keep stating not all documents received . The customer service is a eyewash . I have now gone to ombudsman - PLEASE DONT USE THIS COMPANY FOR OVERSEAS TRAVEL INDURANCE

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This is a delayed review. Few months ago I had this insurance for my US trip. I fell down in the bathroom and made emergency call to the given number for emergency from abroad, It was not working. Then had to trace their India customer care number with help of my Indian friend in US and called. They cant even speak proper English. Further, it was very bad they do not understand the emergency need and speaking some rubbish. Luckily, I was having minor injuries. Think if it is a major injury or a concussion, whether one will be able to trace the number and call? Finally after calling thrice(2 times me and 1ce my friend), they gave a name of a cashless hospital which is some 70 miles away(I was in Maryland only and their connection in Maryland is so poor). Since the injury was minor, I beared the expense by consulting a doctor friend over video call, and getting medicine with help of my US friend.

Note: I gave 1 point in the ratings because 0 point option is not available

You will never know what is covered in your policy. Reason after purchase, whatever you ask is not covered or mentioned as exclusion but before purchase if you ask everything on earth is covered.

The fundamental question is if a travel insurance does not cover travel related expenses and losses due to cancellations then why anyone would call it travel insurance.

By definition, Travel insurance is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.

But when I ask them to lodge claim for expenses incurred(on hotel booking and flight ticket) for trip cancellation as a result of strike in Paris inward flight got cancelled, in first instance they say strike not covered, then flight delay not covered. They refuse to let me lodge claim not to talk of getting claim passed or otherwise.

Then what for they are selling travel insurance

YOUR RATING ON

The worst experience I had . No response nothing. Dumb service. Public , my sincere suggestion plssssss don’t trust HDFCERGO and don’t waste ur hard earned money. The waste product of India. They are just showing their arse to people who trusted the service . Besharam

I admire HDFC Ergo for Travel Insurance. Seeing as there are only horrible experiences shared on Mouthshut, decided to share this satisfying claim experience with HDFC Ergo. This is 100% genuine - a emergency surgery claim worth 100, 000 dollars was reimbursed almost in full by them - process was smooth and happened within 2-3 months. Highly recommended.

I faced a very bad experience with HDFC ERGO Travel Insurance Company because of their bad behaviour with their customers.

Even they talked with me roughly when I denied to make settlement with them.

There policies were so fake and unuseful.

I immediately moved to cancellation of the insurance.

There was no range of plans available with them and the claim settlements they were demanding was out of my hands.

I didn't liked the staff's attitude and their behaviour with other clients too.

Overall bad experience.

Heyy Guys, I would like to tell you something about my experience which I have done with HDFC ERGO Travel Insurance. HDFC ERGO Travel Insurance is a Bad Company.

First of all, it covers too many things but result of all these things are bad.

In my olden days, I lost my bag during the tour of Manali, and I asked the agent of HDFC ERGO, they told me for wait. I waited for 10 days. I told them that in my bag there was INR RS.5000 cash and my clothes.

At the end, They transferred only Rs. 1500 in my account. It was totally disappointed.

HDFC ERGO Travel Insurance Company is a very bad company which only disappointes its customers.

This company don't provide good service to its customers. Its service and facilities are limited. This company wants only profit from the customers.

Its range of plans are limited and premium policies are disgusting.

The staff attitude towards the customers is very rough and bad.

Claim settlements are very disappointing and unexpected.

The premium policies are very complex.

I will not suggest anyone else to go with this company.

Thank you for sharing the requirements with us. We'll contact you shortly.

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Introducing Travel Explorer

Our all-new travel insurance plan, with 21 benefits; travel worry-free, #1.6 crore+.

Happy Customers

Cashless Hospitals

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Claim Assistance

Family Travel Insurance

Family vacations are fun and personal. It is a great way to bond with your near and dear ones and make memories for a lifetime! Whether it's a beach vacation, climbing the mountains, holidaying close to nature's lap or a luxury stay, the joy of spending some precious moments with your family remains unparalleled. It is wise to ensure that nothing takes the joy out of your family vacation in case an emergency or an untoward event confronts you. Remember, medical emergencies can be unpredictable so is flight delays and missing baggage. So, while vacationing at an international destination having International Travel Insurance helps. When travelling with your family, opt for a Family Travel Insurance policy, a single insurance plan that secures all your family members in one go! HDFC ERGO Family Travel Insurance protects you and your family from possible risks and uncertainties during your travel period at an international destination.

Where do you wish to wander today?

Schengen countries, worldwide, excluding usa and canada, worldwide coverage, what does hdfc ergo travel insurance policy cover .

• Medical Coverage
• Journey-Related Coverage
• Baggage-Related Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO’s Travel Insurance Plan Not Cover?

Breach of law.

Any sickness or health issues caused to due to war, injury, or a breach of the law.

Consumption of Intoxicant substances

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

Pre existing diseases

If you're suffering from a disease before travelling or undergo treatment for an illness which already exists, we do not cover it.

Cosmetic and Obesity Treatment

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

Self Inflicted Injury

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plans.

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for

Family Travel Insurance Plans

Family single trip international insurance.

As the name goes, single trip international insurance is apt for all those who wish to travel just once to a particular overseas destination. Just like you wish to go on a solo backpacking to Georgia or Bahamas or a business conference at U.S.A this travel insurance is best for you. If you are a group of friends or family going for a vacation then this suits the best. HDFC ERGO offers comprehensive benefits, like offering medical cover when you fall sick or face an accidental injury.

Family Multi Trip Individual Insurance

For the ones who are always on the go and keep hopping to multiple countries or visit the same country many times a year, this insurance is a must. The best part is it saves you from the hassle of multiple renewals. You can buy it for a year and travel as much as you wish to without worrying about getting travel insurance for every single trip. This is best suited for frequent flyers!

Family Travel Medical Insurance

Travel Insurance is a must for medical necessities! We all know medical expenses cost a bomb at international destination even a minor injury or fever treatment may hamper your trip budget. Hence, it's always recommended to buy travel insurance for medical coverage. We offer benefits like:

● Emergency Medical Expenses

● Dental Expenses

● Personal Accident

● Hospital Cash

List Of Countries Where Travel Insurance Is Mandatory

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

Hear from Our happy customers

Our customers have rated us

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

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Frequently asked questions, 1. can wife be the proposer in the policy even if the spouse is elder.

Yes. A younger spouse can be the proposer.

2. If for some reason our trip gets cancelled, will that be covered?

Yes, we do cover trip cancellation. In case of trip cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities.

3. Our family has decided to rent a local car for sight seeing. In case the car meets with an accident, where a third party is injured, will that be covered?

Yes, you will be able to claim this under personal liability section of the policy.

4. What is covered under the benefit Delay of Checked-in Baggage?

This benefit will reimburse the insured person the cost for the purchase of necessary personal effects like toiletries, clothing, medication etc. while the delay of checked baggage has occurred.

5. What is covered under the benefit - Loss of Checked-in Baggage?

This benefit will reimburse the insured person the cost of replacement of the articles if the checked in baggage are permanently damaged or lost.

6. Can one claim both under loss of checked-in baggage and delay of checked-in baggage?

No, if later the baggage and/or personal belongings are lost, then any amount claimed and paid to an insured person under the baggage delay section will be deducted from any payment under the baggage loss section.

7. Is dental treatment covered in the policy?

Yes, emergency dental treatment is covered on reimbursement basis.

8. Loss of checked-in baggage and delay of checked in baggage are covered both ways?

Since delay of checked-in baggage reimburses the cost of purchage of personal effects, you may not incur these expenses when you return back home. Loss of checked in baggage is covered both ways, whereas delay of checked-in baggage is covered only one way for obvious reasons.

9. What is the difference between single and multi-trip travel insurance?

As the name goes single trip multi insurance is for all those who intend to explore places just one a year probably, it could be for a leisure trip or a business conference. Multi trip insurance is generally taken on annual basis and it suits all those who wish to travel internationally frequently. Basically, not just once but on frequent basis. This helps in avoiding renewals and buying a new policy everytime you fly overseas. You buy a travel insurance policy for once and keep travelling for an entire one year.

10. How to do a family travel insurance comparison?

If you wish to compare travel insurance plan to get the best family travel insurance all you need to do is compare coverage and check the premium to find if you are getting maximum coverage at an affordable premium to get the most suited travel insurance plan.

11. How to buy the best annual family travel insurance?

Every travel insurance plan comes along with a set of coverages and exclusionsIn a nutshell, any travel insurance plan that covers medical expenses due to injury or illnes in an international destination along with emergency expenses due to flight delay or loss of luggage is most suited for your family. However, also check on the brand and its customers who have got themselves covered before choosing the best travel insurance plan.

12. What exact information do I have to provide to an insurance provider at the time of purchasing a family travel insurance policy?

When buying a family travel insurance policy, you would have to provide HDFC ERGO with the following details -

● Your name and contact details

● The name and age of all family members travelling with you

● Relationship with the travelling members

● Countries of visit

● The trip duration

● Your passport details

● The plan variant that you want

● Any pre-existing condition or medical illness you or any family member is suffering from

● Any other details required by the insurance company

Based on these details, your travel insurance policy would be underwritten and issued.

13. One of my family members who is travelling with me is 71 y/o. Is it possible to cover him in a family travel insurance plan?

No, HDFC ERGO offers family travel insurance plans for members aged up to 70 years.

14. In case of a medical emergency, would I have to visit certain hospitals?

In the case of medical emergencies, you should contact HDFC ERGO's TPA Alliance Global Assist. If you want the cashless settlement of claims, you should visit the hospitals tied up with the TPA and the insurance company. On the other hand, if you are okay with reimbursement claims, you can visit any hospital. Once you inform HDFC ERGO's TPA, the TPA would guide you about which hospital to visit.

15. If I want to extend my trip, is it feasible to renew the existing plan while I am abroad?

Currently, we do not offer extension of trip

16. What is a pre-existing medical condition? Will I be covered for it?

A pre-existing medical condition is an ailment that you might suffer from when buying a travel insurance policy. For instance, if you or any family member is a diabetic or suffers from hypertension, such ailments would be considered a pre-existing medical condition.

No, pre-existing medical conditions are not covered under travel insurance plans. If you suffer any medical complication on the trip which is due to such pre-existing condition, the coverage would not be allowed.

17. Can I cancel my family travel insurance policy?

Yes, you can cancel your family travel insurance plan after buying it. However, this cancellation is allowed before the trip has started provided you have not made any claims on the plan. It is important to note that cancellation charges will apply on cancelling the travel insurance policy.

18. How many members are covered under a family travel plan?

Our international travel insurance policy covers multiple family relationships hence you can insure up to 12 immediate family members

19. How many members are covered under a family travel plan?

Policy cannot be offered if the customer has already travelled abroad.

20. My parents are travelling from India to the US to visit me. Can I buy insurance for them from abroad, and will it be valid?

Yes, you can buy a travel insurance plan for your parents from the US. The plan would be valid. However, here are some points to note

● The premium should be paid in INR

● If there is a requirement for pre-entrance health check-ups, your parents should undergo such check-ups in India after which the policy would be issued

21. How to renew a travel insurance policy online?

You can renew the travel insurance plan online through HDFC ERGO's website. Visit https://www.hdfcergo.com/renew-hdfc-ergo-policy and enter your registered mobile number, email ID or policy number. Click on 'Renew Now' and follow the process to renew the plan within minutes. However, renewal is allowed only for annual multi-trip policies. Single trip policies cannot be renewed.

So, Have you compared the plans and found the one that suits you best?

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Terms and Conditions Applied. © HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. HDFC Ltd. and HDFC Bank merger stands concluded, effective 1st July, 2023. HDFC ERGO General Insurance Company Limited is now a subsidiary of the Bank.

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