HDFC Ergo Insurance Plans

HDFC ERGO Family Travel Insurance

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HDFC ERGO Family Travel Insurance covers travel and health risks for you and your family members while travelling abroad. The international travel insurance protects you from financial crisis in a foreign country so that you can have a hassle-free trip.

Eligibility of HDFC Ergo Family Travel Insurance

  • Self - upto the age of 60 years
  • Spouse - upto the age of 60 years
  • Child - Maximum 2 from 3 months upto the age of 21 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

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.

Brochure

Review HDFC Ergo Family Travel Insurance brochure to understand coverage details.


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Proposal form

Fill the online HDFC Ergo Family Travel Insurance proposal form.


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Policy wordings

Review HDFC Ergo Family Travel Insurance policy wordings which explains the terms and conditions.

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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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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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