HDFC Ergo Insurance Plans

HDFC ERGO Travel Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. Headquartered in Mumbai, HDFC Ergo currently operated across India through 120+ branches in 106 cities with 3000+ employees.

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Plan type
   Multi Trip  
coverage type
  
Destination
No. of Traveler
Date of birth
or age   years
Start date
Total Days: 
End date
* Name, Email Id & Mobile No. are required 
The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. They have been assigned 'iAAA' rating by ICRA indicating its highest claim paying ability as well as have an ISO certification for their claim services, policy issuance, customer servicing and standardization and uniformity of Information Security processes being followed across all branches & locations. In Travel insurance, HDFC Ergo initially catered to the Corporate Travel insurance market offering customised solutions to small, medium and large corporates under their Group insurance programs and now have entered the Retail Travel Insurance space and offer comprehensive Travel insurance solutions to the India traveller. Going with their strong brand name, prompt claims servicing, HDFC Ergo have started becoming a strong player in the Retail Travel insurance space for the past few years.

HDFC ERGO Travel Insurance review

HDFC ERGO Travel Insurance
Sum Insured
USD 30,000 to 5,00,000
Number of policies issued *
117,961
Claims settlement ratio **
80.74%
Number of lives covered *
323,908
Incurred claims ratio
37%
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Key features of HDFC Ergo Travel Insurance

  • HDFC ERGO General Insurance is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. Headquartered in Mumbai, HDFC Ergo currently operated across India through 120+ branches in 106 cities with 3000+ employees.
  • HDFC Ergo has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability as well as have an ISO certification for their claim services, policy issuance, customer servicing and standardization and uniformity of Information Security processes.
  • HDFC Ergo has already Secured Over 1 Crore+ Smiles through their policies in India and Trust defines how they consistently strive to make insurance easier, more affordable and more dependable. At HDFC Ergo, promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
  • Like most insures, HDFC also offers support round the clock @ 24x7 – since at times of distress, instant help is the need of the hour for the traveller. With their 24x7 customer care and dedicated claims approval team, hospital guarantees and admissions are managed seamlessly.
  • Unlike most insurance companies, for HDFC Ergo travel insurance policies, the travellers pays only for the days actually travelled while paying simply on per day basis – this results in the traveller saving on premium without compromising on coverage.
  • Good Bye to Medical Check-ups, since there is no need for the traveller to undergo any health check-up to get HDFC ERGO Travel Insurance.
  • HDFC Ergo offers Composite and Flexible range for Plan options from $30,000 to $500,000 Accident & Sickness Medical Expense Sum insured for the Global Indian traveller.

Why should an insured opt for a HDFC Ergo Travel Insurance plan?

  • Composite and Flexible range for Plan options from $30,000 to $500,000 Accident & Sickness Medical Expense Sum insured
  • No Medical / Health check up is required prior to travel
  • Policies are available with Worldwide coverage apart from specific plans for Asian markets.
  • Global Travel Protection with 24 /7 Assistance through Assistance set up across the world.
  • Cashless Claims settlement abroad for Inpatient treatment anywhere in the world.
  • HDFC Ergo offers a great Travel Insurance options which provide complete protection against loss incurred during the trip which is both medical and non medical . Coverage is available whether you are on business or leisure trip, holiday or going abroad to study.
  • Premium is payable on a per day basis, which means that you actually pay only for the actual number of days you have travelled abroad – this result in saving of premium without remaining uninsured during your trip.
  • The insurance process is paperless, insured will get a soft copy of the policy certificate and terms and conditions of the coverage.

How can one Buy a HDFC Ergo Health Insurance policy?

There are many distribution channels that distribute HDFC Ergo Health insurance products that include Agents, Banks and Brokers. One of the key distributors is the Web Aggregators which are online distributors of insurance and the advantage is that they offer a comparison of all insurance products to the customer, to allow them to compare the plans before opting for best HDFC ERGO health insurance plan that most suits his/her needs.
  • Step 1 - Visit HDFC Ergo Compare health insurance to review and compare policy benefits, coverage and premium details online
  • Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
  • Step 3 - Fill the HDFC Ergo online Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
  • Step 4 – If this is a Straight through proposal, the premium remitted online will be transferred directly to the insurance company, and the policy will be issued, dispatched and will reach you in 7 working days
  • Step 5 – For Non Straight through cases, HDFC Ergo will process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy tests at designated diagnostic centers or they may just levy a loading based on the health report
  • Step 6 - If the proposal is accepted, the same will be issued accordingly
  • Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form in the prescribed Turn around time.

Insured’s Eligibility Criteria for HDFC Ergo’s Travel Plans

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
  • Insured above 70 years to submit medical reports irrespective of trip band (Disease mentioned in the report to be excluded)
  • Foreign nationals employed in India and earning salary in Indian Rupees can be covered under HDFC Ergo plans
  • Foreign nationals domiciled in India are also eligible to purchase HDFC Ergo’s Travel policies.
  • Family Floater Plan coverages are only for countries Excluding USA & Canada
They also offer plans across various Geographies And Sum Insureds (for Accident & Sickness Medical Expenses) across the world. Their Countries Included in their respective plans are as below:
  1. Single Trip Plans
  2. Annual Multi Trip Plans
  3. Asia Plan (excluding Japan)
  4. Family Floater Plan (excluding USA / Canada)
  5. Student Suraksha Plan

HDFC Ergo Travel Insurance Overview

  • Countries Covered
  • Single Trip
  • Multi Trip
  • Family
  • Asia
  • Student
  • Description of Benefits

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.

Frequently Asked Questions (FAQ’s regarding HDFC Ergo Travel plans)

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.

Claims and Assistance under HDFC Ergo Travel policies

HDFC Ergo is one of the most prompt claims paying insurers in India and they have been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability across all product lines. For Travel, the following are the Assistance numbers to reach out to for any support required during the tenure of the policy:

Dedicated 24X7 Contact Center For Travel Policy – Only Insurer to have single Tollfree no. worldwide
  • Toll Free +800 08250825 (outside India)
  • Chargeable No. 01204507250 (Within India)
Authorization related issues ( request, extension, enhancement, etc)
  • Pre-auth: preauth@hdfcergo.com
Network Service Provider related issues abroad
  • NSP: nsp@hdfcergo.com
Claim Related issues (intimation, status, query, payments, dispatch, etc)
  • Claims: healthclaims@hdfcergo.com
For Submission of Claims or claim related documents
Office Address: HDFC ERGO General Insurance Co. Ltd.
5TH Floor, Tower 1, Stellar IT Park, C – 25 , Sector -62,
NOIDA – 201301 , Uttar Pradesh.

Brochure

Review HDFC ERGO Travel Insurance brochure to understand coverage details.

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Proposal form

Fill the online HDFC ERGO Travel Insurance proposal form.


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Policy wordings

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HDFC Ergo travel insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy HDFC Ergo travel medical insurance after approval.

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HDFC Ergo Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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HDFC Ergo Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify HDFC Ergo by contacting them.

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HDFC Ergo Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.


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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.


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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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