HDFC ERGO Travel Insurance

HDFC Ergo Travel Insurance Overview

• Countries Covered in HDFC Ergo Travel Insurance

  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

  
  

• What does HDFC Ergo Single Trip Travel Insurance Cover?

  HDFC Ergo offers amongst the widest ranges of options for their Single Trip Plans under their comprehensive travel insurance product for Including and Excluding USA / Canada. Coverage is available whether you are on business or leisure trip / holiday. Since it is a comprehensive plan, the benefits include Accident & Sickness Expenses, Dental Expenses, Personal Accident included Accidental Death & Permanent Total Disability, Loss and Delay of Baggage Checked in with the Carrier, Personal Liability, Medical Evacuation and Repatriation of Mortal Remains, Flight Delay, Contingency Travel Benefits and Emergency Financial Assistance among others.
  
  They provide five variants in terms of Accident & Sickness Sum Insureds from $30,000 to $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

• What does HDFC Ergo Annual MultiTrip Travel Insurance Cover?

  For the frequent fliers / travellers HDFC Ergo also offers flexible and comprehensive travel insurance options. The plan is eligible for adults between the ages of 18 years and 70 yearsThey have two plans namely Gold & Platinum and the Accident & Sickness coverages of this variants are $250,000 and $500,000 respectively. Accident & Sickness Expenses, Dental Expenses, Personal Accident included Accidental Death & Permanent Total Disability, Medical Evacuation and Repatriation of Mortal Remains, Loss and Delay of Baggage Checked in with the Carrier, Loss of Personal Documents, Personal Liability, Flight Delay, Contingency Travel Benefits and Emergency Financial Assistance among others.
  
  The policy is available for 365 days but each single trip cannot exceed 45 consecutive days.
  

  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

• What does HDFC Ergo Family Floater Plan Cover?

  For business and leisure travellers going to Asian Destinations, HDFC Ergo also offers an Asia Plan for all Countries excluding USA & Canada. They have two variants to offer namely Bronze and Silver with Accident & Sickness Sum Insureds of $15,000 and $30,000. Other Benefits under the Plan include Hospital Cash, Dental Coverage, Loss and Delay of Baggage Checked in with the Carrier, Loss of Personal Documents, Personal Liability, Hijack Coverage, Accident Death & Permanent Total Disability, Medical Evacuation and Repatriation of Remains.
  
  Coverage is available for a typical family of four (insured, spouse and two children upto the age of 21 years). The advantage of a Family Floater plan is that the premiums will be lower than individual plans for each member of the family and it operates under the pre text that all members of a family travelling together rarely or never face an illness at the same time.
  

  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

• What does HDFC Ergo Asia Travel Plan Cover?

  For business and leisure travellers going to Asian Destinations, HDFC Ergo also offers an Asia Plan for all Asian Countries excluding Japan. They have two variants to offer namely Bronze and Silver with Accident & Sickness Sum Insureds of $15,000 and $30,000. Other Benefits under the Plan include Hospital Cash, Loss and Delay of Baggage Checked in with the Carrier, Loss of Personal Documents, Personal Liability, Flight Delay, Contingency Travel Benefits, Hijack Coverage and Emergency Financial Assistance.
  

  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

  
  

• What does HDFC Ergo Student Suraksha Student Insurance Plan Cover?

  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

  
  

• Description of the Benefits under the HDFC Ergo’s Travel insurance Plans

  (please note that all expenses are subject to the maximum sum insured mentioned against each benefit on the policy schedule)
  
  
  • Medical Expenses (including Medical Evacuation / Repatriation of Remains)
    This coverage is the most important cover under any Travel insurance plan, and it covers
    1. Actual expenses incurred for Out Patient Treatment, Hospitalization Expenses for any illness or injury sustained while abroad.
    2. Medical Evacuation to a nearby location or to India due to a lack of medical facilities available subject to obtaining prior approval from insurer’s end for further treatment.
    3. Repatriation of Remains is the expenses incurred to transport the mortal remains of the insured back to India.
  • Dental Expenses
    Coverage for actual expenses incurred resulting from sickness or accident to the teeth of the insured sustained during a Trip abroad.
  • Accidental Death / Permanent Total Disability
    This is a compensation paid to the insured’s nominee in the even of unfortunate demise of the insured as a result of an accident while abroad. Similarly if the insured is in an accident resulting in a Permanent Total Disability, compensation is payable to the insured.
  • Hospital Cash
    Pays a daily allowance for hospitalization due to accident or sickness.
  • Loss of Baggage / Loss of Personal Documents
    This benefit will reimburse the insured person the cost of replacement articles for any damaged or lost articles due to the loss of baggage / personal documents in the custody of the common carrier.
  • Loss of Passport
    In the event that the passport belonging to the Insured is lost, the Insured is reimbursed for actual expenses incurred in obtaining a duplicate or fresh passport abroad.
  • Delay of Checked Baggage
    This benefit pays for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours
  • Contingency Travel Benefits
    It pays for hotel accommodation for the insured if bodily injury or sickness results in hospitalization for more than 5 days and misses his/her scheduled flight back to the country of residence
  • Personal Liability
    In the event of the Insured Person becoming legally liable to a Third Party, for an incident which results in death, injury of such a third party or damage to his/ her properties, caused involuntarily by the insured, the company will compensate the Insured person.
  • Financial Emergency Assistance
    The insurance company will provide assistance to the insured person in case they require cash following incidents like theft, robbery, mugging or dacoity whilst on a trip abroad and covered under policy.
  • Flight Delay
    Compensation paid to the insured for purchase of meals, refreshments etc due to the delay of a covered flight.