Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

HDFC Ergo Family Travel Insurance Plan


HDFC Ergo General Insurance has designed its family travel insurance plan to secure you and your family from any contingencies that can disrupt your trip. While you are enjoying a break with your family nothing should be bothering you. All you should be concerned about is making the most of your vacation with your spouse, and children. So the next you plan a trip to Asia or anywhere in the world, you can buy HDFC Ergo family travel insurance plan and stay carefree. This overseas travel insurance plan covers all the risks and emergencies at an affordable premium.

Features of HDFC Ergo Family Travel Insurance

HDFC Ergo Travel insurance plans are a perfect option to secure your trip especially when you are travelling with your family due to the following reasons:

  • Cashless hospitalization in-network hospitals worldwide
  • Get travel insurancecoverage up to USD 5,00,000
  • Any delay or loss of checked-in baggage is also covered
  • Passport loss cover
  • Compensates for flight delay and contingency travel benefits
  • Financial Emergency Assistance worldwide

Why Choose HDFC Ergo Family Travel Insurance?

Some of the top reasons to choose HDFC Ergo travel insurance for your family are listed below:

  • The insurer offers travel insurance plans to cater to all your travel needs
  • HDFC Ergo family travel insurance plan is affordable and comprehensive
  • 24*7 customer support can be availed
  • Premium is charged only on per day basis
  • No need to undergo pre-medical check-ups before buying HDFC Ergo family floater travel insurance plan
  • Easy to buy travel insurance online– it’s completely paperless

Eligibility Criteria to Buy HDFC Ergo Family Travel Insurance

All the Indian residents can buy travel insurance from HDFC Ergo. This plan can be purchased for:

  • Holiday purposes
  • Business and official purposes
  • Also for employment purpose

However, there is certain eligibility to get this travel insurance plan:

Age Limit

Single Trip Travel Insurance Plan

6 months to 70 years

Annual Multi-Trip Plans

18 years to 70 years

Family Floater Travel Insurance Plan (Self, Spouse and up to 2 children)

Minimum 3 months

Who Can Buy This Plan?

The plan covers spouse and children of business professionals  and it will be treated as coverage for holiday purposes

Foreign nationals employed with Indian employers of MNCs can be insured if are being paid in INR

Foreign nationals residing can be insured ( subjected to verification of Income-tax return/ration card)

Sub-limits ( eligible expenses per illness for insured person b/w 61 and 70 years)

Hospital room rent and boarding charges up to a maximum of USD 1550 per day up to a max 35 days

ICU & ICCU & ITU up to a maximum of USD 3500 per day up to 7 days

Surgical treatment up to a maximum of USD 12,000

Ambulance Services up to a maximum USD 500

Diagnostic and Pre-admission testing up to a maximum of USD 750

Anesthetic Service - Maximum 25% of surgical treatment

Physician’s fees - Maximum USD 80 per visits up to 12 visits

Types of HDFC Ergo Family Travel Insurance Plans

There are 4 types of travel insurance plans by HDFC Ergo that are a perfect pick if you are travelling with your family. Here is a quick rundown of all the family travel insurance plans:

HDFC Ergo Asia Family Travel Insurance Plan

DFC Ergo Asia travel insurance plan has been designed to offer protection to your family while travelling anywhere in the Asian region, be it Thailand, Singapore, etc. The plan covers medical expenses for any loss or damage!

HDFC Ergo Schengen Travel Insurance Plan

Travel with your family to any of the 26 Schengen countries in Europe such as Italy, France, Spain, Germany, Austria, etc. HDFC Ergo travel insurance has got you covered. Not only it is essential to acquire Schengen Visa but it will ensure that you have a fun-filled and thrilling experience with your loved ones.

HDFC Ergo Worldwide Travel Insurance Plan (excluding USA & Canada)

Quench your wanderlust by travelling anywhere except for Canada and USA and stay protected from any emergency during the trip. From medical emergencies to luggage hassles, the plan covers everything. You can make the most of your trip with your family.

HDFC Ergo Worldwide Travel Insurance Plan

This HDFC Ergo family travel insurance plan has been designed by HDFC Ergo to ensure that you and your family are secured on every trip that you take. You can travel across the globe fearlessly as you know the plan will safeguard you from all the possible risks even when you are away from your home country.

HDFC Ergo Family Travel Insurance Plan Coverage

HDFC Ergo family travel insurance plan safeguards you against various unforeseen circumstances that can ruin your trip. The coverage ranges from health emergencies to lost luggage/passport in a foreign land. However, the coverage benefits may vary from one plan to another. Here are some of the inclusions:

Emergency hospitalization expenses including in-patient, outpatient, diagnostic tests, medical aid, and therapies

Accidental death and permanent disability cover (via common carrier)

Expenses incurred on emergency dental treatment in case of acute pain or an accidental injury

daily hospital allowance due to an illness or accident

Expenses incurred while acquiring lost belongings and documents up to the sum insured limit

Emergency medical evacuation and repatriation of remains to home country up to the medical sum insured

Accidental death benefit cover

Emergency financial assistance cover

Cosmetic and obesity treatment expenses

Flight delay expenses such as meals, refreshments, in case of flight delay of more than 6 hours

Permanent total disabilities resulting due to an accident

Hotel accommodation cost if a flight is missed due to an illness or bodily injury

Compensation is offered to the insured in case of hijack of a common carrier


HDFC Ergo Family Travel Insurance Plan Table with Sum Insured

Family Floater Plans (Including USA/Canada & Excluding USA/Canada)

Plans

Titanium

Platinum

Gold

Silver

Coverage / Sum Insured

USD 500,000

USD 500,000

USD 500,000

USD 50,000

Emergency Medical Expenses

USD 500,000

USD 500,000

USD 500,000

USD 50,000

Deductible

USD 100

USD 100

USD 100

USD 100

Permanent Disability (No Deductibles)

USD 10000

USD 10000

USD 10000

USD 10000

Hospital Cash Allowance

USD 15 per day/ Max USD 150

USD 15 per day/ Max USD 150

USD 15 per day/ Max USD 150

USD 15 per day/ Max USD 150

Deductible

4 days

4 days

4 days

4 days

Loss of Baggage & Documents

USD 200

USD 200

USD 200

USD 200

Deductibles

USD 20

USD 20

USD 20

USD 20

Emergency Dental Treatment

USD 200

USD 200

USD 200

USD 200

Deductibles

USD 20

USD 20

USD 20

USD 20

Medical evacuation & repatriation

Included

Included

Included

Included

Loss of Checked-in Baggage

USD 400

USD 400

USD 400

USD 400

Deductibles

Max 50% Per Bag/ 10% Per item

Max 50% Per Bag/ 10% Per item

Max 50% Per Bag/ 10% Per item

Max 50% Per Bag/ 10% Per item

Personal Liability Cover

USD 10000

USD 10000

USD 10000

USD 10000

Deductibles

USD 200

USD 200

USD 200

USD 200

Hijack Distress Allowance ( deductible of 1 day)

USD 75 per day up to a max of USD 525

USD 75 per day up to a max of USD 525

USD 75 per day up to a max of USD 525

USD 75 per day up to a max of USD 525

Accidental Death - Common Carrier ( No Deductibles)

USD 10000

USD 10000

USD 10000

USD 10000


HDFC Ergo Family Travel Insurance Plan Exclusions

The plan HDFC Ergo travel insurance plan offers various benefits to all the insured members. However, there are certain limitations as well. The insurer will not compensate for claims arising due to the following circumstances:

Any medical emergency incurred due to injury, war, or a breach of the law

Health issues arising due to intoxication or overdose of alcohol/drugs

Claims arising due to any health issues or any undergoing treatment before taking the trip

Any injury that has been incurred due to involvement in any kind of adventure sport activities

Self-inflicted injuries on the trip or any suicidal attempts


HDFC Ergo Family Travel Insurance Plan FAQs

Q1.  What is a delay of checked-in baggage cover?

It implies that the insurance provider, in this case, HDFC Ergo General Insurance will reimburse the cost incurred on purchasing the necessary personal items such as clothing, toiletries; medication, etc. in case there is a delay of checked-in baggage.

Q2. Does HDFC Ergo travel insurance for family cover dental treatment cost as well?

Yes, this HDFC Ergo family travel insurance plan reimburses the cost of dental treatment as well. Please check the policy wording for terms and conditions related to it.

Q3. Will HDFC Ergo travel insurance cover expenses incurred on trip cancellation?

HDFC Ergo travel insurance does not trip cancellation costs. However, it is possible to cancel your travel insurance plan before the policy commences. And if the HDFC Ergo family travel insurance policy is cancelled after the commencement of the trip or policy date you would need to submit the Xerox of all the passport pages a proof of travel. In addition to this, there would be cancellation charges of Rs. 250/- is levied upon cancellation.

Written By: PolicyBazaar - Updated: 05 November 2019
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