HDFC ERGO- Travel Insurance for Individuals
HDFC ERGO General Insurance Company Limited is an endeavor between HDFC Ltd of India and the ERGO International AG headquartered at Mumbai. HDFC ERGO General Insurance is present across 106 cities PAN India with more than 122 branch offices. HDFC Ergo Individual travel insurance policy has been designed to meet the specific travel needs of the customers in an affordable manner. This individual overseas travel insurance plan offers coverage across the Schengen countries, Asia, and worldwide including the USA and Canada. It is a comprehensive travel insurance plan that offers medical-related, journey-related, and baggage insurance cover to individuals who are travelling abroad for personal or work purposes. If you are someone who loves wandering around for a vacation or even for work purposes then this individual overseas travel insurance plan will work right for you. Here is a quick rundown of the different features and benefits of HDFC Ergo travel insurance plans:
Features of HDFC ERGO Travel Insurance Policy
HDFC ERGO travel insurance gives the most comprehensive insurance solutions regardless of whether you are taking a solo trip, going for work or arranging a get-away with your companions or family. It is a great way to protect yourself from any travel-related eventualities that may disrupt your trip or holiday plans.
The following are the few features that make HDFC ERGO travel insurance progressively dependable:
Round-the Clock Assistance
To ensure, a hassle-free claim experience a dedicated support team is available round-the-clock.
Comprehensive Travel Insurance plans
HDFC Ergo individual travel insurance plans are designed to cater to the needs of different customers with a wide range of travel insurance plans and add on benefits.
Transparent Claim-settlement Process
There are no chances of loopholes and the customers are valued at each step. HDFC Ergo travel insurance claims are settled with utmost transparency and ease.
Pay when Travel
With HDFC ERGO individual travel insurance policy you can only pay for the days you will be traveling. You can get travel insurance cover for specific number of days and pay accordingly. Please refer to policy wordings for the same.
No Medical Check-up
HDFC ERGO individual travel insurance plan do not require you to undergo any pre-medical check-ups before making the purchase.
Easy Online Purchase
The plan requires zero paperwork and can be purchased and renewed online easily. You get travel insurance policy straight in your inbox.
Why Choose HDFC ERGO Individual Travel Insurance Policy?
Prevention is always better than cure. The very thought of traveling alone excites and enthralls but at the same time has its repercussions too. Well, this is exactly why HDFC Ergo individual travel policy has been designed for you.
HDFC ERGO individual travel insurance ensures your safety in case of any medical or non-medical emergencies during your trip. It offers compensation in case of any unforeseen contingencies such as loss of baggage/passport, emergency hospitalization, etc be a smart traveller and get overseas travel insurance that offers coverage around the world. The plan offers:
Asia Travel Cover
With HDFC ERGO travel insurance plans you longer need to worry about any unforeseen expenses while travelling anywhere across the Asian Region.
Europe is one destination that is always there on every traveler's’ list. For traveling in Schengen countries, you require international travel insurance in order to get a Schengen visa. HDFC Ergo individual travel insurance policy offers coverage across the Schengen Zone as well.
Worldwide excluding USA and Canada
The coverage is provided across all the countries around the world except for USA/ Canada.
HDFC Ergo individual travel insurance policy can be purchased to get worldwide coverage across the world including the USA travel insurance as well as Canada travel insurance cover.
You can opt for travel insurance cover depending on the purpose of your visit and the travel destination.
HDFC ERGO Individual Travel Insurance Policy Coverage
It is of utmost importance to know about the inclusions while purchasing a travel insurance policy. Knowing the purpose and duration of your trip you can easily customize your travel insurance plan. Below are some of the coverage benefits that are offered under this individual travel insurance policy:
HDFC Ergo Travel Medical Cover
It is better to be safe than being sorry. In case you fall sick or meet with an accident, the expenses can easily shatter your financial condition. The following are the medical benefits under this plan:
Emergency Medical Expenses
Emergency Dental Expenses
Hospital Daily Cash Allowance
Medical and Body Repatriation
HDFC Ergo Travel Baggage Cover
From personal items to important documents the plan covers everything as follows:
Loss of Baggage and Personal Documents
Loss of Checked-in Baggage
Delay of Checked-in Baggage
HDFC Ergo Journey Related Coverage
The plan covers the following non-medical emergencies that may arise during your trip:
Personal Liability Expenses
Financial Emergency Assistance
Hijack Distress Allowance
Flight Delay Cost
Hotel Accommodation Cost
HDFC ERGO Individual Travel Insurance Policy Exclusions
With a good travel insurance plan, you can easily let go of worries like emergency medical expenses, loss of baggage/passports, etc. But on the other side a travel insurance policy also comes with some limitations. Here is a quick rundown of the common exclusions of HDFC Ergo individual travel insurance policy:
Breach of Law
Medical Emergencies Arising due to Intoxication
Medical Expenses Incurred on Cosmetic and Obesity Treatment
Self- Inflicted Injuries
Involvement in Adventure Sport Activities
HDFC ERGO Individual Travel Insurance FAQs
Q1. What are the benefits of buying HDFC ERGO Individual Travel Insurance plans?
The eventualities that are covered by HDFC ERGO individual travel insurance policy are as follows:
- Emergency medical expenses
- Hospital daily cash allowance
- Loss of personal belongings, travel baggage, and travel documents
- Personal liability cover
- Emergency cash assistance
- Missed flight connections
- Extended hotel accommodation cost
- Hijack risk is also covered
Q2. What are the limitations of HDFC ERGO individual travel insurance plan?
The HDFC ERGO individual travel insurance plan does not offer compensation for claims arising due to the following expenses:
- Breach of law
- Financial emergencies arising due to intoxication
- Medical expenses incurred on cosmetic and obesity treatment
- Self-inflicted injuries
- Involvement in adventure sports activities
Q3. What is the scope of geographical coverage under HDFC ERGO travel insurance policy?
HDFC ERGO individual travel insurance policy offers coverage around the world. The plan offers coverage for Asian region, Schengen countries and worldwide including USA and Canada.
Q4. Does HDFC ERGO overseas travel insurance policy covers pre-existing diseases or diabetes?
This travel insurance plan does not cover claims arising due to any pre-existing medical condition whether declared or not declared at the time of purchase.
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