HDFC ERGO Family Travel Insurance, Popular Overseas travel insurance for Families from India

HDFC Ergo Family Travel Insurance Overview

Benefit Table
Coverages

HDFC Ergo Family Travel Insurance Benefits

Coverage Benefits in US	Titanium	Platinum	Gold	Silver
Emergency Medical ExpensesDeductible: $100	$500,000	$200,000	$100,000	$50,000
Medical Evacuation & Repatriation	Included Under Medical Expenses	Included Under Medical Expenses	Included Under Medical Expenses	Included Under Medical Expenses
Hospital Cash Deductible: 4 day	$15 per day / Max $150	$15 per day / Max $150	$15 per day / Max $150	$15 per day / Max $150
Emergency Dental TreatmentDeductible: $75	$200	$200	$200	$200
Loss of Baggage and Personal DocumentsDeductible: $20	$200	$200	$200	$200
Loss of Checked BaggageDeductible: Max 50% Per Bag / 10% Per Item	$400	$400	$400	$400
Delay of Checked BaggageDeductible: 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 LiabilityDeductible: $200	$10,000	$10,000	$10,000	$10,000
Hijack Distress AllowanceDeductible: 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 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.
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.
Hospital Cash
Pays a daily allowance for hospitalization due to accident or sickness.
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.