Popular Destinations
Now covers COVID-19
*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 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.
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:
To cater to the needs of different travellers, HDFC ERGO General Insurance Co. Ltd. offers various types of trip insurance plans:
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:
These can be purchased as individual, family and multi-trip policies, depending on your requirements.
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).
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.
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.
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.
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.
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 |
An insured traveller can enjoy the following coverage by buying HDFC ERGO travel insurance policy:
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.
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.
The insurer will give allowances to the insured on a daily basis if hospitalized in lieu of an illness or accidental injury.
The insurer will pay compensation to the insured if their flight is delayed by more than 6 hours.
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.
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.
The insurer will pay for the damages or injuries caused by the insured to a third party person or property.
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.
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.
If the insured student is detained or arrested under a bailable offence, HDFC ERGO will pay for the bail.
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 | - |
In certain scenarios, your HDFC ERGO travel insurance plan will not provide any coverage benefits. Some of these are listed below:
To understand all the situations where you won't receive any coverage, read the complete list of exclusions provided in the policy wording.
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:
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:
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.
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:
You can also buy a policy directly from the insurer's official website.
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