Plans | Adult Insured | Children |
---|---|---|
Individual Single Trip | Minimum entry age is 18 months. Maximum entry age is 70 years at the commencement date of the Policy | The minimum entry age under this policy is 6 months and maximum is 18 years |
Annual Multi trip Plans | Age of the insured to be between 18 and 70 years on the date of commencement of the policy. | N.A. |
Family Floater Plan | Age of the insured to be between 6 months and 60 years on the date of commencement of the policy. Spouse can be covered upto the age of 60 years. | Two Children from 3 months upto the age of 21 years. |
Student Plan | Maximum entry age is 35 years at the commencement date of the policy | Minimum entry age is 16 years |
Plans | Countries Covered | Sum Insured Options (Accident & Sickness Expenses) |
---|---|---|
Worldwide Including USA / Canada – Single Trip | All Countries in the world including North America, South America, and Canada. | Bronze - $30,000 Silver - $50,000 Gold - $100,000 Platinum - $200,000 Titanium - $500,000 |
Worldwide Excluding USA / Canada – Single Trip | All countries across the world apart from North America, South America and Canada | Bronze - $30,000 Silver - $50,000 Gold - $100,000 Platinum - $200,000 Titanium - $500,000 |
Worldwide - Annual Multi Trip | Al Countries across the World | Gold - $250,000 Platinum - $500,000 |
Single Trip Asia Plan | All countries in Asia excluding Japan. Japan can however to be included in Worldwide Excluding America / Canada Plan | Bronze - $15,000 Silver - $30,000 |
Family Floater Plan – Single Trip | All countries across the world apart from North America, South America and Canada | Standard Plan - $50,000 |
Student Suraksha Student Insurance Plan | Options available for both Including and Excluding USA & Canada | Bronze - $50,000 Silver - $100,000 Gold - $250,000 Platinum - $500,000 |
Titanium | Platinum | Gold | Silver | Bronze |
---|---|---|---|---|
Emergency Medical Expenses (EME) Deductible: $100 | ||||
$500,000 | $200,000 | $100,000 | $50,000 | $30,000 |
Medical Evacuation & Repatriation | ||||
Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses |
Accidental Death - Common Carrier | ||||
$5,000 | $5,000 | $5,000 | $3,000 | $3,000 |
Permanent Disablement - Common Carrier | ||||
$5,000 | $5,000 | $5,000 | $3,000 | $3,000 |
Hospital Cash | ||||
$15 per day,Max $150 (Deductible 1 Day) |
$15 per day,Max $150 (Deductible 3 Day) |
$15 per day,Max $150 (Deductible 1 Day) |
$15 per day,Max $150 (Deductible 4 Day) |
$15 per day,Max $150 (Deductible 4 Day) |
Emergency Dental Treatment Deductible: $150 | ||||
$500 | $500 | $500 | $300 | $300 |
Loss of Baggage and Personal Documents Deductible: $30 | ||||
$250 | $250 | $250 | $250 | $250 |
Loss of Checked Baggage Deductible: Max 50% Per Bag,10% Per Item | ||||
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
Delay of Checked Baggage Deductible: 12 Hours,$10 per 8 Hours | ||||
$200 | $200 | $200 | $100 | $100 |
Accidental Death | ||||
$25,000 | $20,000 | $15,000 | $10,000 | $10,000 |
Permanent Disablement | ||||
$25,000 | $20,000 | $15,000 | $10,000 | $10,000 |
Personal Liability | ||||
$200,000 (Deductible $200) |
$200,000 (Deductible $200) |
$100,000 (Deductible $200) |
$100,000 (Deductible $150) |
$50,000 (Deductible $150) |
Financial Emergency Assistance | ||||
$1,500 | $1,000 | $700 | $500 | $300 |
Hijack Distress Allowance Deductible: 1 Day | ||||
$75 per day,Max $525 | $75 per day,Max $525 | $75 per day,Max $450 | $75 per day,Max $450 | $75 per day,Max $450 |
Flight Delay Deductible: 6 hours | ||||
$10 per hrs,Max $120 | $10 per hrs,Max $120 | $10 per hrs,Max $120 | $10 per hrs,Max $120 | $10 per hrs,Max $120 |
Hotel Accommodation | ||||
$3,000 | $3,000 | $3,000 | $3,000 | $2,000 |
Titanium | Platinum | Gold | Silver |
---|---|---|---|
Emergency Medical Expenses Deductible: $100 | |||
$500,000 | $200,000 | $100,000 | $50,000 |
Hospital Cash Deductible: 4 days | |||
$15 per day,Max $150 | $15 per day,Max $150 | $15 per day,Max $150 | $15 per day,Max $150 |
Emergency Dental Treatment Deductible: $75 | |||
$200 | $200 | $200 | $200 |
Loss of Baggage and Personal Documents Deductible: $20 | |||
$200 | $200 | $200 | $200 |
Medical Evacuation & Repatriation | |||
Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses |
Loss of Checked Baggage Deductible: Max 50% Per Bag,10% Per Item | |||
$400 | $400 | $400 | $400 |
Delay of Checked Baggage Deductible: 12 Hours,$10 per 8 Hours | |||
$100 | $100 | $100 | $100 |
Accidental Death | |||
$10,000 | $10,000 | $10,000 | $10,000 |
Permanent Disablement | |||
$10,000 | $10,000 | $10,000 | $10,000 |
Personal Liability Deductible: $200 | |||
$10,000 | $10,000 | $10,000 | $10,000 |
Hijack Distress Allowance Deductible: 1 day | |||
$75 per Day,Max $525 | $75 per Day,Max $525 | $75 per Day,Max $525 | $75 per Day,Max $525 |
Titanium | Platinum | Gold | Silver |
---|---|---|---|
Emergency Medical Expenses Deductible: $100 | |||
$500,000 | $200,000 | $100,000 | $50,000 |
Hospital Cash Deductible: 4 days | |||
$15 per day,Max $150 | $15 per day,Max $150 | $15 per day,Max $150 | $15 per day,Max $150 |
Emergency Dental Treatment Deductible: $75 | |||
$200 | $200 | $200 | $200 |
Loss of Baggage and Personal Documents Deductible: $20 | |||
$200 | $200 | $200 | $200 |
Medical Evacuation & Repatriation | |||
Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses |
Loss of Checked Baggage Deductible: Max 50% Per Bag,10% Per Item | |||
$400 | $400 | $400 | $400 |
Delay of Checked Baggage Deductible: 12 Hours,$10 per 8 Hours | |||
$100 | $100 | $100 | $100 |
Accidental Death | |||
$10,000 | $10,000 | $10,000 | $10,000 |
Permanent Disablement | |||
$10,000 | $10,000 | $10,000 | $10,000 |
Personal Liability Deductible: $200 | |||
$10,000 | $10,000 | $10,000 | $10,000 |
Hijack Distress Allowance Deductible: 1 day | |||
$75 per Day,Max $525 | $75 per Day,Max $525 | $75 per Day,Max $525 | $75 per Day,Max $525 |
Silver Plan | Bronze Plan |
---|---|
Emergency Medical Expenses | |
$30,000 | $15,000 |
Accidental Death - Common Carrier | |
NA | NA |
Permanent Disablement - Common Carrier | |
NA | NA |
Hospital Cash | |
$10 per day/Max150 | $10 per day/Max150 |
Emergency Dental Treatment | |
$500 | $500 |
Loss of Baggage and Personal Documents | |
$150 | $150 |
Medical Evacuation | |
Included | Included |
Repatriation | |
Included | Included |
Loss of Checked Baggage | |
$300 | $300 |
Delay of Checked Baggage | |
$100 | $100 |
Accidental Death | |
$10,000 | $10,000 |
Permanent Disablement | |
$10,000 | 10,000 |
Personal Liability | |
$20,000 | $15,000 |
Financial Emergency Assistance | |
$300 | $300 |
Hijack Distress Allowance | |
$75 per Day, Max upto $525 | $75 per Day, Max upto $450 |
Flight Delay | |
10 per hrs/Max 120 | 10 per hrs/Max 120 |
Contingency Travel Benefits | |
$2,000 | $2,000 |
Platinum | Gold | Silver | Bronze | Standard |
---|---|---|---|---|
Emergency Medical Expenses (EME) Deductible: $100 | ||||
$500,000 | $250,000 | $100,000 | $50,000 | This Plan Does not Cover for Accident and Sickness Medical Expenses |
Medical Evacuation & Repatriation | ||||
Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses | Included Under Medical Expenses | |
Accidental Death | ||||
$25,000 | $20,000 | $20,000 | $20,000 | $20,000 |
Permanent Total Disability | ||||
$25,000 | $20,000 | $20,000 | $20,000 | $20,000 |
Emergency Dental Treatment Deductible: $100 | ||||
$500 | $500 | $250 | $250 | $250 |
Loss of Passport Deductible: $50 | ||||
$250 | $250 | $200 | $200 | $200 |
Loss of Checked Baggage(Waiting Period of 10 months is applicable for Pregnancy to be covered) Deductible: Per Baggage Max 50% of Sum Insured & Per article Limit Max 10% of Sum Insured | ||||
$2,000 | $2,000 | $1,000 | $1,000 | $1,000 |
Delay of Checked Baggage Deductible: 12 hours, $10 per, 8 hours | ||||
$200 | $200 | $150 | $100 | |
Personal Liability | ||||
$100,000 | $100,000 | $100,000 | $100,000 | $100,000 |
Compassionate Visit (2 way) | ||||
$7,500 | $7,500 | $7,500 | $7,500 | $7,500 |
Study Interruption | ||||
$7,500 | $7,500 | $7,500 | $7,500 | $7,500 |
Sponsor Protection | ||||
$10,000 | $10,000 | $10,000 | $10,000 | $10,000 |
Bail Bond | ||||
$5,000 | $5,000 | $5,000 | $5,000 | $5,000 |
The Sum insured opted for by the insured should be based on Destination of Travel, Duration of Travel and age of the insured. It is advisable to buy a plan with higher sum insureds if you are traveling to developed markets like USA, Europe, UK, Australia etc.
Certainly. You can buy travel insurance policy for your parents on Individual Sum Insured basis or on floater basis as you deem right.
Yes, the insured can purchase the policy for his/her minor child by providing the necessary information online while buying the policy. However they should not purchase the policy for anyone who is not an immediate family member to the insured.
Yes you can buy travel insurance in case you are an hypertensive /diabetic. Just declare the same. However, in case of medical emergency, you will be covered for all expenses excluding those for your Pre-existing Disease.
The Deductible is the amount that the insured has to bear first in all claims and is deducted from the payable claim amount. This is a fixed amount irrespective of the amount of the claim. IF the claim amount is less than the deductible stated on the policy, then the insured will not be eligible for any reimbursement.
Sublimits are applicable for only those over 61 years. The same is specified in the policy schedule. Kindly go through the same once you have purchased your policy.
No, there is no medical check up prior to purchasing a travel insurance policy from HDFC Ergo.
Review HDFC ERGO Travel Insurance policy wordings which explains the terms and conditions.
Know more »Tips to find good and adequate international travel health insuranceClick here to read more
Comparison of overseas Healthcare cost and popular tourist destinations. Click here to read more
How to use Indian visitor insurance in case of sudden sickness and accidents. Click here to read more
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy HDFC Ergo travel medical insurance after approval.
Know more »Insurance customers can renew their existing policy online before the exipry date at any time.
In case of a claim or reimbursement of treatment expenses, notify HDFC Ergo by contacting them.
Know more »Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.
Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.