Travel Insurance
Travel Insurance
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Travel without any worries, plans starting
30 per day*
Plans include global Covid-19 coverage

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Schengen Countries
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Now covers COVID-19

Just a minute!
Safety is not expensive, it's priceless!
Travel Insurance plans starting at just ₹30 per day*
  • No medical checkup required
  • Pre-existing coverage available
  • Instant Policy Issuance
  • Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
  • 24x7 claims support

*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

HDFC ERGO Travel Insurance

HDFC ERGO Travel Insurance is one of the most popular travel insurance plans in India. It is owned by HDFC ERGO General Insurance Company Ltd., which was formed after HDFC Ltd. joined hands with Munich Re Group's ERGO International AG. The company offers stellar services in the insurance sector worldwide. It offers a wide variety of travel insurance plans designed to accommodate the needs of different travellers, including individuals, families, students, and frequent flyers. HDFC ERGO travel insurance provides the insured traveller with coverage for medical treatment expenses, accidental death and permanent total disability, delay or loss of check-in baggage, daily hospital cash allowance, and personal liability, amongst other things. Moreover, it also protects the insured from adversities like loss of baggage and personal documents, loss of passport, flight delays, and study interruption through its different plans.

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Top Travel Insurance Plans

  • Individuals
  • Sr. Citizens
  • Students
Plans for an individual of 30 years age travelling to USA for 15 days

Why Choose HDFC ERGO Travel Insurance?

Travelling around the world can be enriching as well as fun. A lot of thought and money goes behind planning an international trip and you wouldn't want it to get hampered by an untoward incident. By buying the best travel insurance policy, you can get covered against many adverse situations and look forward to enjoying every moment of your international trip. Here's why buying a HDFC ERGO travel insurance policy is a wonderful idea:

  • The insurer provides cashless facilities at over 1 lakh network hospitals across the world
  • 24x7 customer care available to handle all HDFC ERGO travel insurance claims
  • No medical health check-ups required
  • Multi-trip policy available for frequent flyers
  • Sum insured amount up to USD 10,00,000

Types of HDFC ERGO Travel Insurance

To cater to the needs of different travellers, HDFC ERGO General Insurance Co. Ltd. offers various types of trip insurance plans:

  1. Individual Travel Insurance

    The HDFC ERGO individual travel insurance guarantees your safety from any unforeseen emergency expenses that you may face while travelling abroad. This travel policy will provide you with medical support and assist you in case you lose your baggage, along with other coverage or benefits, including personal liability, loss of personal documents, and delay in check-in baggage arrival. You can opt for any of the following available plans:

    • HDFC ERGO Travel insurance plan
    • HDFC ERGO Explorer travel insurance plan

    These can be purchased as individual, family and multi-trip policies, depending on your requirements.

    HDFC ERGO Travel Insurance Plan

    This HDFC ERGO travel insurance plan has four variants: Silver, Gold, Platinum, and Titanium, with the sum insured ranging from USD 50,000 to USD 5,00,000. You can also customize your policy according to the country you are travelling to, such as Asia, Schengen countries, and worldwide (excluding & including the USA and Canada).

    HDFC ERGO Explorer Travel Insurance Plan

    This HDFC ERGO Explorer travel insurance plan is an all-purpose plan to meet the needs of individuals, families, students, and business people. It comes in two plan variants: Gold and Platinum, with sum insured coverage ranging from USD 40,000 to USD 10,00,000.

  2. Family Travel Insurance

    The insurer also offers plans that protect all family members when travelling abroad. It covers the insured family from any untoward incident, including emergency medical and non-medical expenses. These include daily hospital cash allowance, accidental death and permanent disability, personal liability, delay, and loss of check-in baggage.

    This family travel insurance plan offers a sum insured on a family floater basis in the range of USD 50,000 to 5,00,000. It can also be customized according to the destination country like the Schengen countries, Asia, worldwide and worldwide excluding/including USA & Canada. With Silver, Gold, Platinum and Titanium plan variants, you can select a plan variant that best suits your family's requirements.

  3. Student Travel Insurance

    Studying abroad has now become safer with the HDFC ERGO Student Suraksha- Student Overseas plan. This plan has been tailor-made for Indians travelling abroad for studies as it will protect them from any unexpected emergencies during their education.

    Apart from basic coverage like medical expenses, delay or loss of check-in baggage and personal liability, this HDFC ERGO Student Suraksha plan also covers passport loss, bail bond, compassionate visit, sponsor protection and study interruption.

    With a sum insured amount ranging from USD 50,000 to 5,00,000, this plan by HDRFC ERGO travel insurance has five variants i.e. Standard, Bronze, Silver, Gold and Platinum. Moreover, this plan also offers additional coverage through the Plus Plan that includes pregnancy, childcare, mammography examinations and cancer screenings among others.

  4. Frequent Flyers Insurance

    This plan by HDFC ERGO Travel Insurance Insurance is custom-made for people who frequently travel abroad. It provides the protection of an individual plan with an extended trip validity of a year, eliminating the need to buy a new policy for each trip. It provides covers including medical treatment expenses, daily hospital cash allowance, loss of baggage & personal documents, financial emergency assistance, personal liability and delay & loss of check-in baggage. This HDFC ERGO travel insurance has Gold and Platinum variants with sum insured amount of USD 2,50,000 and 5,00,000.

HDFC ERGO Travel Insurance Eligibility Criteria

The eligibility criteria for different HDFC ERGO travel insurance plans are as follows:

Travel Insurance Plans Minimum Entry Age Policy Validity
Individual Travel Insurance 6 months to 70 years Up to 180 days
Family Travel Insurance 3 months to 70 years Up to 180 days
Student Travel Insurance 16 years to 35 years 30 days to 2 years
Frequent Flyers Insurance 18 years to 70 years 1 year with a maximum of 45 days per trip

HDFC ERGO Travel Insurance Inclusions

An insured traveller can enjoy the following coverage by buying HDFC ERGO travel insurance policy:

  1. Emergency Medical Expenses

    It covers the insured for any hospitalisation and treatment expenses arising out of an illness or an accidental injury. It includes expenses incurred for in-patient, out-patient, and therapy care, as well as emergency evacuation and repatriation of mortal remains to India.

  2. Emergency Dental Treatment

    HDFC ERGO travel insurance covers the cost of dental treatment following an accident or for acute pain relief.

    Accidental Death & Permanent Disablement (Common Carrier)

    Your HDFC Ergo travel insurance plan will pay compensation to the insured or their family if an accident abroad leads to their death or permanent total disability while travelling in common carriers like a flight, train, or bus.

  3. Daily Hospital Cash

    The insurer will give allowances to the insured on a daily basis if hospitalized in lieu of an illness or accidental injury.

  4. Flight Delay

    The insurer will pay compensation to the insured if their flight is delayed by more than 6 hours.

  5. Delay or Loss of Check-In Baggage

    HDFC Ergo travel insurance plan compensates the insured if the airline loses their check-in baggage. It will also reimburse the cost of purchasing essential items, including clothes and toiletries in case the arrival of check-in baggage is delayed by the airline.

  6. Loss of Passport

    In case the insured loses their passport due to theft or genuine reasons, this HDFC ERGO travel insurance plan will cover expenses incurred in obtaining a new passport.

  7. Personal Liability

    The insurer will pay for the damages or injuries caused by the insured to a third party person or property.

  8. Compassionate Visit

    This feature is available under HDFC ERGO student travel insurance plans. If a student is hospitalised for more than seven days, the insurer will cover the travel cost of one of the insured student's immediate family members to the country where they are studying.

  9. Study Interruption

    The insurer will reimburse the tuition fee paid to the university in advance in case the insured student is unable to attend classes due to hospitalization or an emergency trip back to India.

  10. Bail Bond

    If the insured student is detained or arrested under a bailable offence, HDFC ERGO will pay for the bail.

HDFC ERGO Travel Insurance: Additional Coverage

Plus Plan – This HDFC ERGO Plus Plan is an extension of the student travel insurance plan. It covers the insured student for any hospitalization expenses incurred due to pregnancy & childcare, cancer screenings, mammography examinations, along with mental & nervous disorder treatments, including dependency on alcohol and drugs

Covers Individual Travel Insurance Family Travel Insurance Student Travel Insurance Frequent Flyers Insurance
Sum Insured Options (USD) 50,000 (Silver)
1,00,000 (Gold)
2,00,000 (Platinum)
5,00,000 (Titanium)
50,000 (Silver)
1,00,000 (Gold)
2,00,000 (Platinum)
5,00,000 (Titanium)
50,000 (Bronze)
1,00,000 (Silver)
2,50,000 (Gold)
5,00,000 (Platinum)
2,50,000 (Gold)
5,00,000 (Platinum)
Emergency Medical Expenses Up to 5,00,000 Up to 5,00,000 Up to 5,00,000 Up to 5,00,000
Medical Evacuation
Body Repatriation
Emergency Dental Expenses Up to 500 200 500 500
Accidental Death Up to 25,000 10,000 Up to 25,000 25,000
Loss of Baggage & Personal Documents 250 200 - 250
Loss of Check-in Baggage 1,000 400 Up to 2,000 1,000
Delay of Check-in Baggage Arrival Up to 200 100 Up to 200 200
Flight Delay 10 per hour for up to 120 - - 10 per hour for up to 120
Personal Liability Up to 2,00,000 10,000 1,00,000 2,00,000
Bail Bond - - 5,000 -
Study Interruption - - 7,500 -
Sponsor Protection - - 10,000 -
Compassionate Visit - - 7,500 -
Loss of Passport - - 250 -

HDFC ERGO Travel Insurance Exclusions

In certain scenarios, your HDFC ERGO travel insurance plan will not provide any coverage benefits. Some of these are listed below:

  • Breach of Law: The insurer will not cover any illness or injury caused due to war or for breaking the law
  • Consumption of Intoxicants: The insurer will not cover any injury or illness caused due to the use of intoxicants or banned substances
  • Pre-existing Diseases: Any medical treatment for a pre-existing illness will not be covered by the insurer
  • Cosmetic and Obesity Treatment: The insurer will not cover the expenses incurred on cosmetic surgery and treatment for obesity
  • Self-Inflicted Injury: Hospitalisation expenses due to an attempt to suicide will not be covered by the insurer
  • Adventure Sports: HDFC ERGO Travel Insurance Insurance will not pay for the treatment expenses incurred due to an injury caused while participating in adventure sports

To understand all the situations where you won't receive any coverage, read the complete list of exclusions provided in the policy wording.

HDFC ERGO Travel Insurance Claim Procedure

Any untoward incident can shake your international travel plans at any point unless you have travel insurance. Buying a travel insurance policy is useful only if you make a timely claim in case of an emergency abroad. You can make both cashless and reimbursement claims, depending on your emergency. Take a look at the claim procedure for this HDFC ERGO travel insurance plan:

Cashless Claims Registration

  • In case of a medical emergency, get admitted to a listed network hospital of HDFC ERGO Travel Insurance Inform the insurer about the hospitalization by calling the toll-free number
  • A Claim Service Representative will validate your treatment at the hospital
  • Receive the treatment and get discharged
  • The claim service representative of HDFC ERGO will settle the bills with the hospital

Reimbursement Claims

Under HDFC ERGO travel insurance, a reimbursement claim can be filed for emergencies like loss of check-in baggage, flight delay, lost passport, personal liability, accidental injury, study interruption, etc. Follow these steps to file a reimbursement claim:

  • Inform the insurer about the emergency or the loss by calling the toll-free number
  • The Claim Service Representative of HDFC ERGO Travel Insurance will send you the claim form
  • Fill up the claim form with all the required details
  • Send the scanned copy of all the required documents along with the filled-in claim form via mail or fax within 30 days of the loss
  • HDFC ERGO Claim Service Representative will review the claim against your policy coverage
  • Payment will be made directly to the insured's bank account

Documents Required for HDFC ERGO Travel Insurance Claim

  • Duly completed claim form of HDFC ERGO Travel Insurance
  • Required documents (Doctor's consultation /Emergency room's report/FIR etc., as required)
  • Original bills and payment receipts of any expenses incurred

You can easily confirm the list of required documents with the Claim Service Representative of your HDFC ERGO travel insurance plan while filing a claim.

How to Buy HDFC ERGO Travel Insurance?

You can buy HDFC Ergo travel insurance policy online very conveniently through Policybazaar. Here's what you have to do to apply for a HDFC ERGO travel insurance plan:

  • Visit Policybazaar.com and click on the 'Travel Insurance' section on the menu
  • On the available form, enter your destination(s), trip duration, total number of travellers, age and other details.
  • Proceed to 'View Plans' and select the 'Insurer' filter to get a list of available HDFC Ergo travel insurance plans
  • Browse through the various types of plans and select the plan you wish to buy.
  • Check the quote and click on 'Buy Now'
  • Provide the necessary details and proceed to payment
  • Select a suitable payment mode and pay the premium. The premium can be paid online via debit card, credit card or net banking

You can also buy a policy directly from the insurer's official website.

FAQs

  • Q.1 Who are the travel assistance partners for HDFC ERGO General Insurance Co. Ltd.?

    Ans.Ans. Allianz Worldwide is the travel assistance partner for HDFC ERGO travel insurance.
  • Q.2 Do I need to undergo a medical check-up to buy a HDFC ERGO travel insurance policy?

    Ans.Ans.​ No. You don’t need to get a health check-up done in order to buy HDFC Ergo travel insurance policy. However, you have to declare the pre-existing diseases if you have any.
  • Q.3 What is the maximum per trip duration under the Frequent Flyers Insurance?

    Ans. A maximum of 30 to 45 days per trip is allowed under the frequent flyer or multi-trip travel insurance.
  • Q.4 Can I buy a travel insurance policy from HDFC ERGO after reaching my destination country abroad?

    Ans. No. You cannot buy a travel insurance policy from HDFC ERGO after commencing your international trip.
  • Q.5 How can I cancel my HDFC Ergo travel insurance policy?

    Ans. To cancel your travel insurance policy, you can do so through the official website of the insurer or can send an email mentioning your policy number. Once all the documentation is complete, your travel insurance policy will be cancelled..
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer
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Average Rating
(Based on 30 Reviews)

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HDFC ERGO Travel Insurance Reviews & Ratings

4.2 / 5 (Based on 30 Reviews)
(Showing Newest 10 reviews)
Harshit
Adapada, April 13, 2020
Happy with the service
HDFC seems to provide the best travel insurance plans in the industry. They are amazing with their services too.
Jatin
Adaspur, April 09, 2020
Just wonderful
They helped me with the bag I lost at the airport and I did not have to go haywire with the authorities. Really helpful.
Niranjan
Kolkata, October 21, 2016
Travel with safety
After long web search, finally got travel insurance policy which is very impressive and the rewards are the best part. Service is very fast which is facilitated by the executives and the staff members. The loss is reimbursed by the insurance company.
Rahul
Kalyanpur, October 06, 2016
Maximum Coverage
My insurance policy is not a normal one, it provides maximum coverage benefits in very less investments. Claims are easy to get because the executives work 24X7 for customers. Nice travel insurance by hdfc ergo general insurance. Online updates are very easy to get and anyone can access it easily.
Gyanesh
Ambattur, September 30, 2016
High Returns
Got the travel insurance at cheap rates from hdfc ergo general insurance. The service is fast and very responsive staff members of the company. If luggage is lost or any belongings then the whole amount is reimbursed by the insurance company.
Abhinav
Zahirabad, August 26, 2016
HDFC travel insurance
Recently buy hdfc ergo travel insurance plan in low premiums. Service is fast and the reimbursement of the lost baggage is given by the company. Policy coverage is good and claims are easily sanctioned. Just the cancellation amount of the ticket is not possible.
Harish
Lowada, August 23, 2016
superb plan
Just completed my tour, thank god i purchased travel insurance policy from hdfc ergo insurance. The premium is less and the refunds are more. I lost my bag while travelling, the company reimbursed my whole lost. Great service.
Prashant
Chittaurgarh, July 22, 2016
Secure Travelling
I buy travel insurance plan which has less investment benefit and even its premiums are also low. Service facilitate by hdfc ergo insurance company is fantastic and on time. Policy covers maximum expenditures and reimbursed the lost.
Barun
Dehgam, July 07, 2016
Travel Insurance
My last trip was so amazing and so relaxing but there i lost my luggage, thank god i have travel insurance plan which reimbursed my lost in very short period of time. Policy coverage is high and claims are good. The investment is low and returns are high.
Rahul
Kota, June 24, 2016
Nice Policy
The travel insurance plan of mine is great which has many benefits like the luggage lost is reimbursed by the company and the premium is low. Policy coverage is high and claims are better. Service provided by the executives of the company is nice. The refund money of returning ticket is not possible.

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms, and conditions, please read the sales brochure carefully before concluding a sale.

Policybazaar Insurance Brokers Private Limited, Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 | CIN: U74999HR2014PTC053454 | Policybazaar is registered as a Composite Broker | Registration No. 742, Valid till 09/06/2024 | License category - Composite Broker | Contact Us | Legal and Admin Policies

*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

 
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