HDFC ERGO Travel Insurance Plan
HDFC ERGO Travel Insurance is a low cost plan for Overseas Travel. Whether you are travelling on work or vacation, either alone or with your family, this plan can be of great assistance in case of an emergency. The plan is called Travel Safe.
The plan can be purchased online with instant issuance without any medical check-ups.
Key Features
The policy can be purchased online instantly
International travel assistance provider on call 24*7
- Optimum Coverage at Low Costs
- Coverage for those upto the age of 70
- No health check-ups
Benefits
| Coverages | Platinum | Gold | Silver | Bronze |
| Emergency Medical Expenses | $2,00,000 | $1,00,000 | $50,000 | $30,000 |
| Accidental Death - Common Carrier | $5,000 | $5,000 | $3,000 | $3,000 |
| Permanent Disablement - Common Carrier | $5,000 | $5,000 | $3,000 | $3,000 |
| Hospital Cash | $15/day
Max$150 |
$15/day
Max$150 |
$15/day
Max$150 |
$15/day
Max$150 |
| Emergency Dental Treatment | $500 | $500 | $300 | $300 |
| Loss of Personal Documents | $250 | $250 | $250 | $250 |
| Medical Evacuation | Included | Included | Included | Included |
| Repatriation | Included | Included | Included | Included |
| Loss of Checked Baggage | $1,000 | $1,000 | $1,000 | $1,000 |
| Delay of Checked Baggage | $200 | $200 | $100 | $100 |
| Accidental Death | $20,000 | $15,000 | $10,000 | $10,000 |
| Permanent Disablement | $20,000 | $15,000 | $10,000 | $10,000 |
| Personal Liability | $200,000 | $100,000 | $100,000 | $50,000 |
| Financial Emergency Assistance | $1,000 | $700 | $500 | $300 |
| Hijack Distress Allowance | $75/day
Max $525 |
$75/day
Max $450 |
$75/day
Max $450 |
$75/day
Max $450 |
| Flight Delay | $10/hr
Max $120 |
$10/hr
Max $120 |
$10/hr
Max $120 |
$10/hr
Max $120 |
| Hotel Accommodation | $3,000 | $3,000 | $3,000 | $2,000 |
| Coverages | Annual Multi Trip | Single Trip Asia | Family Floater | |
| Gold | Silver | Bronze | Silver | |
| Emergency Medical Expenses | $250,000 | $30,000 | $15,000 | $50,000 |
| Accidental Death - Common Carrier | $5,000 | NA | NA | NA |
| Permanent Disablement - Common Carrier | $5,000 | NA | NA | NA |
| Hospital Cash | $15/day
Max$150 |
$15/day
Max$150 |
$10/day
Max$150 |
$10/day
Max$150 |
| Emergency Dental Treatment | $500 | $500 | $500 | $200 |
| Loss of Personal Documents | $250 | $150 | $150 | $200 |
| Medical Evacuation | Included | Included | Included | Included |
| Repatriation | Included | Included | Included | Included |
| Loss of Checked Baggage | $1,000 | $300 | $300 | $400 |
| Delay of Checked Baggage | $200 | $100 | $100 | $100 |
| Accidental Death | $25,000 | $10,000 | $10,000 | $10,000 |
| Permanent Disablement | $25,000 | $10,000 | $10,000 | $10,000 |
| Personal Liability | $200,000 | $20,000 | $15,000 | $10,000 |
| Financial Emergency Assistance | $1,500 | $300 | $300 | NA |
| Hijack Distress Allowance | $75/day
Max $525 |
$75/day
Max $525 |
$75/day
Max $525 |
$75/day
Max $525 |
| Flight Delay | $10/hr
Max $120 |
$10/hr
Max $120 |
$10/hr
Max $120 |
NA |
| Hotel Accommodation | $3,000 | $2,000 | $2,000 | NA |
|
Benefit |
Deductible |
|
Emergency Medical Expenses |
$100 for all plans and $ 50 for Single Trip Asia |
|
Hospital Cash: Single Trip |
Gold - 1 day, $15 per day/Max150 Platinum - 3 days, $15 per day/Max150 Silver and Bronze - 4 days, $15 per day/Max150 |
|
Emergency Dental Treatment |
$150 for all plans, $75 for Family Floater |
|
Loss of Personal Documents |
$30 for all plans, $20 for Family Floater |
|
Loss of Checked Baggage |
Max/Bag - 50%, per item - 10% of SI for all plans |
|
Delay of Checked Baggage |
12 hours, $10 per 8 hours for all plans |
|
Personal Liability |
$200 for all plans |
|
Hijack Distress |
Allowance: 1 day |
|
Trip Delay |
6 Hours for all plans |
Eligibility
- For Single Trip – 6 months to 70 years
- For Annual Multi Trip – 10 to 70 years
- Family Floater Option
- Self: upto the age of 6 years
- Spouse: upto the age of 6 years
- Child: Max 2, upto the age of 21 years
Exclusions
The company shall not be liable to pay any benefit to the Insured caused due to:
- Civil War or Foreign War
- Terrorism
- Self Inflicted Injury, Suicide
- Non-adherence to medical advice
- Under the Influence of Liquor, Drugs, or Narcotics (Unless advised/administered by a physician)
- Participation in any Sport as a Professional Player
- Participation in any Criminal Act
- AIDS or HIV
- Treatment of Nervous and Mental Problems
- Participating in hazardous sports like parachuting, hang gliding, bungee jumping, etc.
For a detailed list, kindly refer the HDFC Ergo Travel Insurance Policy Wordings.
Claim Process
- In case of any event leading to a claim under the policy, please call HDFC Ergo’s Service Provider M/s. International SOS on Ph: +9111 4189 8872 / +9111 4189 8800 Fax:- 011 - 4189 8801
- The Claims Service Representative will guide you on the claim procedures and documents required
- A claim form will be forwarded to you by mail, email, or fax
- Complete the claim form relevant to the nature of loss as indicated below.
Attach the documents mentioned against the claim type:
|
Type |
Documents required |
|
For Accidental Injury Claims |
For Temporary Total Disability Claims-sick leave certificate from Employer Attending Physician’s statement |
|
For Emergency Medical Expenses/ Emergency Dental Treatment |
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For Hospital Cash- Sickness Claim |
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For Hospital Cash – Accident Claim |
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For Accidental Death Claims |
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For Baggage Loss /Personal Effects (including Baggage Delay) |
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For Trip Cancellation/ Trip Interruption |
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For Other Claims |
Contact us on 9111 2332 2372, for claims guidance |
