HDFC ERGO Explorer Travel Insurance

Why HDFC ERGO Explorer Travel Insurance?

Provided by the leading HDFC ERGO General Insurance Company Limited, this overseas travel insurance plan has been designed to keep you protected on your adventures. This comprehensive plan safeguards you against medical emergencies, flight mishaps, and in-trip crises.

With sum insured options from USD 40,000 to 1,000,000, you can select the coverage you need. The plan is available for all age groups and can be bought by individuals, families, students and senior citizens. Travel with peace of mind with the HDFC ERGO Explorer travel insurance plan, knowing you have a reliable partner by your side.

HDFC ERGO Explorer Travel Insurance Plan Variants

This HDFC ERGO Explorer travel insurance policy offers three main plan variants: Silver, Gold, and Platinum. You can choose a plan based on your needs.

The Silver plan generally covers core medical benefits and personal accidents but has limited or no coverage for baggage-related losses, travel disruptions, and personal liability.

The Gold and Platinum plans offer a broader range of benefits with generally higher Sum Insured limits, especially for baggage, travel-related inconveniences, and personal liability.

The following table compares the coverage available for some of the most essential benefits across these variants:

It's important to note that the coverage details, including specific sub-limits and conditions, are further elaborated in the policy wording.

HDFC ERGO Explorer Travel Insurance Eligibility Criteria

This HDFC ERGO Explorer travel insurance plan is available for Indians across various age groups who are travelling abroad for different purposes.

Age-Related Eligibility

• Proposer: The person buying the policy must be a minimum of 18 years of age.
• Children: The minimum entry age is 91 days.
• Adults: Other than the proposer or child to be covered, the minimum entry age is 18 years.

Other Eligibility Aspects

• When buying the policy, you must declare any pre-existing conditions, especially if opting for extended coverage.
• The policy is only for travel to destinations outside of India.
• You can choose a plan based on your destination.
• The policy is available for various trip purposes, including vacations, family holidays, business trips, and short study/education trips.

HDFC ERGO Explorer Travel Insurance Inclusions

HDFC ERGO Explorer travel insurance policy offers several coverage benefits. Some of these important inclusions are mentioned below:

• Emergency Medical Expenses: This covers your medical expenses if you get sick or injured during your trip and need emergency hospital care.
• Medical Evacuation & Repatriation: The policy also covers costs for emergency medical evacuation, medical repatriation (bringing you back home for medical reasons), and repatriation of mortal remains (in case of death).
• Dental Expenses: The policy will reimburse the costs if you experience sudden, severe tooth pain requiring immediate treatment.
• Personal Accident: This provides a payout in case of accidental death or permanent disability during your trip.
• Baggage Theft: If your baggage is stolen, the policy will reimburse you up to a certain limit.
• Loss of Checked-in Baggage: If the airline permanently loses your checked-in baggage, you will receive a lump sum amount.
• Delay of Checked-in Baggage: If your checked-in baggage is delayed beyond a certain time, the policy will reimburse you for essential items like clothing and toiletries.
• Loss of Passport: If you lose your passport, the policy will cover the expenses to get a new one.
• Loss of International Driving License: If you lose your international driving license, the policy will reimburse you for the cost of getting a new one.
• Flight Delay: If your confirmed flight is delayed for more than 6 hours due to specific reasons, you can get reimbursed for expenses on meals and emergency hotel accommodation.
• Flight Cancellation: If your confirmed flight is cancelled due to specific reasons, you can get reimbursed for non-refundable flight cancellation expenses.
• Trip Delay: If your trip is delayed due to a flight delay or cancellation, you can be reimbursed for several non-refundable amounts like accommodation and activities.
• Trip Cancellation: If your entire trip is cancelled before it starts due to specific reasons (like a catastrophic event or political disturbance at your destination), you can get reimbursed for non-refundable expenses.
• Trip Curtailment: If you have to cut short your trip and return to India early due to specific reasons (like death or illness in the family), the policy will cover the unused non-refundable expenses and the cost of your return flight.
• Personal Liability: If you accidentally cause injury or damage to someone or their property during your trip, the policy will cover the legal liability expenses.

Add-ons Available under HDFC ERGO Explorer Travel Insurance

• Extension of Pre-existing Disease (PED) Coverage: If you declare your pre-existing medical conditions, you can opt for this cover to get some coverage for emergency medical expenses related to these conditions, up to a specified limit.
• Automatic Extension: Your policy period can be automatically extended by 7 days in certain situations, like a flight delay on your return journey or a medical emergency.
• Bounced Booking: If your confirmed hotel or flight booking is bounced due to overbooking, you can get reimbursed for alternate arrangements.
• Adventure Sports Activities: If you plan to participate in certain adventure sports, you can opt for this add-on.

To understand specific conditions, exclusions, and limits, please read the complete policy document.

HDFC ERGO Explorer Travel Insurance Exclusions

The following are some exclusions that will not be covered under this travel insurance policy:

• Cosmetic or Plastic Surgery: Surgeries or treatments done mainly to change your appearance are not covered unless it's needed after an accident, burn, cancer, etc.
• Hazardous or Adventure sports: If you get injured while participating in risky activities like skydiving, mountaineering, or scuba diving, the policy usually won't cover the costs.
• Unproven Treatments: Treatments or medicines not widely accepted by the medical community are not covered.
• Maternity: Costs related to pregnancy, childbirth, and related conditions are usually not covered under this policy.
• Congenital External Diseases or Defects: Health issues that you have had since birth and that are visible are generally not covered.
• Treatment for Alcohol or Drug Abuse: Medical care needed because of addiction to alcohol, drugs, or other substances and any problems that result from this abuse are excluded.
• Dental Treatment Beyond Immediate Pain Relief: While the policy covers dental emergencies for sudden, acute pain, it generally doesn't cover routine check-ups, ongoing dental work like crowns or dentures, or cosmetic dental procedures.
• Claims Arising from a Pre-existing Disease: If you have a health condition before you buy this policy, any claims related to that condition are usually not covered, unless you buy an add-on covering PED.

HDFC ERGO Explorer Travel Insurance Claim Procedure

In case you face trouble abroad and need to raise a claim under the HDFC ERGO Explorer travel insurance policy, you can contact policybazaar.com or the insurer. You must follow these steps:

1. Notify within Timeframe

   You should inform the insurer about any event that may lead to a claim. This should ideally be done within thirty (30) days of the occurrence. You can contact the insurer at their 24-hour Helpline Centre.

2. Submit Documents

   For emergency medical cashless services abroad, you must provide the policyholder's name, policy number, and passport number.

   For other reimbursement claims, prepare the necessary documents such as:

   • Original receipts of invoices and bills
   • Copy of FIR/police report obtained within 24 hours of theft
   • Bills/invoices of stolen baggage or contents

Send the required documents to the insurer. Ensure you keep copies of all submitted documents for your reference. The insurer will settle or reject the claim within 15 days from the intimation receipt date.