HDFC Ergo Annual Multi Trip travel insurance

HDFC Ergo Annual Multi Trip Travel Insurance Overview

• What does HDFC Ergo Annual MultiTrip Travel Insurance Cover?

  • Medical Expenses including transportation and evacuation
    HDFC Ergo general insurance takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise.
  • Dental Care Expenses
    HDFC Ergo travel care annual multi trip insurance covers dental expenses incurred by the Insured / Insured Person for any acute anesthetic treatment of a natural tooth or teeth during a trip due to an injury but not exceeding the Sum Insured as specified in the Schedule to the Policy.
  • Personal Accident
    HDFC Ergo multi trip travel insurance plan shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.
  • Hospital Cash
    Pays a daily allowance for hospitalization due to accident or sickness.
  • Accidental Death & Dismemberment - Common Carrier
    HDFC Ergo multi-trip medical travel insurance shall pay compensation for injury sustained by Insured, which results in loss of life or permanent disability while riding as a passenger in any common carrier.
  • Daily allowance in case of hospitalization
    If the Insured / Insured Person is hospitalized for more than 2 days, HDFC Ergo multi trip travel plan provides daily allowance as compensation
  • Compassionate Visit
    In case the Insured / Insured Person is hospitalized for more than seven consecutive days. HDFC Ergo multi trip travel insurance will reimburse the return fare for an immediate family member to visit the insured.
  • Loss of Passport
    HDFC Ergo multi trip travel insurance will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss
  • Total Loss of Checked Baggage
    HDFC Ergo multi trip travel insurance shall compensate the Insured / Insured Person for the total loss of checked-in baggage on a trip by a common carrier.
  • Delay of Checked Baggage
    If the checked-in baggage is delayed for more than 12 hours, the Company shall reimburse the Insured / Insured Person expenses incurred for the purchase of toiletries, clothing and medication.
  • Trip Delay
    Reasonable additional expenses incurred to be reimbursed if the trip is delayed for more than twelve hours from the scheduled time.
  • Trip Cancellation & Interruption
    If the trip is cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster. The Company will take care of any non-refundable prepaid payments or additional expenses.
  • Missed Connection
    If the Insured Person misses his/her connecting flight due to its delay in arrival by more than 3 hours, the Company provides compensation for the additional expenses incurred.
  • Personal Liability
    HDFC Ergo multi trip travel insurance offers compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the Insured / Insured Person abroad.
  • Financial Emergency Assistance
    HDFC Ergo multi trip travel insurance provides financial assistance in the event of a financial emergency arising due to theft
  • Hijack Allowance
    HDFC Ergo multi trip travel insurance provides an allowance in the event of hijack of a common carrier for more than 12 hours in which the Insured is traveling on a trip.
  
  

• HDFC Ergo Annual Multi Trip Travel Insurance Overview

  Platinum	Gold
  Emergency Medical Expenses (EME) Deductible: $100
  $500,000	$250,000
  Medical Evacuation & Repatriation
  Included Under Medical Expenses	Included Under Medical Expenses
  Accidental Death - Common Carrier
  $5,000	$5,000
  Permanent Disablement - Common Carrier
  $5,000	$5,000
  Hospital Cash Deductible: 1 day
  $15 per day / Max $150	$15 per day / Max $150
  Emergency Dental Treatment Deductible: $150
  $500	$500
  Loss of Baggage and Personal Documents Deductible: $30
  $250	$250
  Loss of Checked Baggage Deductible: Max 50% Per Bag / 10% Per Item
  $1,000	$1,000
  Delay of Checked Baggage Deductible: 12 Hours / $10 per 8 Hours
  $200	$200
  Accidental Death
  $25,000	$25,000
  Permanent Disablement
  $25,000	$25,000
  Personal Liability Deductible: $200
  $200,000	$200,000
  Financial Emergency Assistance
  $1,500	$1,500
  Hijack Distress Allowance Deductible: 1 day
  $75 per day / Max $525	$75 per day / Max $525
  Flight Delay Deductible: 6 hours
  $10 per hrs / Max $120	$10 per hrs / Max $120
  Hotel Accommodation
  $3,000	$3,000