HDFC ERGO Travel Insurance Plan

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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 of HDFC ERGO Travel Insurance Policy

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

HDFC ERGO Travel Insurance Policy – Age Eligibility Criteria

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

HDFC ERGO Travel Insurance Policy Details

Detailed Benefits of each plan option are mentioned below.

For Single Trips

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

For Annual Multi Trip, Single Trip Asia & Family Floater Options

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

Deductibles in HDFC ERGO Travel Insurance Plan

Standard Deductibles that apply to various plan options.

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

Sub-Limits in HDFC ERGO Travel Insurance Plan (Age 61 to 70 years)

The following maximum eligible expenses per sickness or disease are applicable to the insured person aged 61- 70 yrs regardless of plan/option purchased

Benefit	Deductible
Hospital Room & Boarding	Maximum $1550 per day upto max 35 days
ICU & ICCU & ITU	Maximum $3500 per day up to 7 days
Surgical Treatment	Maximum $12,000
Anaesthetic Service	Maximum 25% of surgical treatment
Physician’s fees	Maximum $80 per visits upto 12 visits
Diagnostic & Pre Adm Testing	Maximum $750
Ambulance Services	Maximum $500

What are the Exclusions in the HDFC ERGO Travel Insurance Plans?

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 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.

HDFC ERGO Travel Insurance Claims 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	Claim form Police Report, if accident is reported to Police Medical papers, pathology reports, X-ray reports, as applicable For Permanent Disability Claims – disability certificate from reputed surgeon or Hospital For Temporary Total Disability Claims-sick leave certificate from Employer Attending Physician’s statement
For Emergency Medical Expenses/ Emergency Dental Treatment	Claim Form Police FIR, if accident is reported to Police Medical papers, pathology reports, X-ray reports, as applicable Doctor’s prescription and line of treatment suggested Bills and cash memos Attending Physician’s statement
For Hospital Cash- Sickness Claim	Claim Form Hospital Discharge Card Doctor’s certificate and line of treatment suggested Attending Physician’s statement as per ‘Form D’
For Hospital Cash – Accident Claim	Claim Form Hospital Discharge Card Doctor’s certificate and line of treatment suggested Attending Physician’s statement.
For Accidental Death Claims	Claim Form Police Report Post-mortem Report or Coroner’s Report Death Certificate For payment to beneficiary – succession certificate or notarized affidavit certifying legal heir status. Where payment to beneficiary is through notarized affidavit, a letter of indemnityon Rs.200 stamp paper ( please contact us for the indemnity format)
For Baggage Loss /Personal Effects (including Baggage Delay)	Claim Form Airline Tickets Any available receipts for the lost baggage/personal effects Correspondence with the Airline/Carrier Irregularity Report or Loss Notification Report from the Airline/Carrier For Baggage Delay, letter from Carrier confirming reason for delay and duration of the delay For Passport Loss/Document Loss cash receipts for obtaining duplicate documents
For Trip Cancellation/ Trip Interruption	Claim form Copy of travel itinerary Verification of trip payment Original airline tickets, vouchers or cruise documents Copy of trip cancellation statement from airline/cruise line, hotel, itemizing non-refundable charges Copy of any refund cheque or credit voucher Copy of newly purchased- for Trip Interruption only Itemized expense receipts
For Other Claims	Contact us on 9111 2332 2372, for claims guidance

Emergency Contact Numbers (24 x 7) for HDFC ERGO Travel Insurance Plans

Toll Free	USA : 18663815720 Canada : 18663771177 Rest of world : +91 22 67515517 Europe (For 28 countries in Europe) : UFIN No. - 800 8000 8400
Fax	+91 22 67027259 / +91 22 67021259
Email	hdfcergo@phmglobal.com

Australia :	11-800-80008400	Japan :	0061-010-800-80008400
Austria :	0-800-80008400	Japan :	0041-010-800-80008400
Belgium :	0-800-80008400	Malaysia :	0-800-80008400
China :	0-800-80008400	Norway :	0-800-80008400
Denmark :	0-800-80008400	Netherlands :	0-800-80008400
Finland :	0-800-80008400	New Zealand :	0-800-80008400
Finland :	999-800-80008400	Philippines :	0-800-80008400
France :	0-800-80008400	Portugal :	0-800-80008400
Germany :	0-800-80008400	S.Korea :	1-800-80008400
Hong Kong :	1-800-80008400	S.Korea :	2-800-80008400
Hungary :	0-800-80008400	Singapore :	1-800-80008400
Ireland :	0-800-80008400	Spain :	0-800-80008400
Israel :	14-800-80008400	Sweden :	0-800-80008400
Italy :	0-800-80008400	Switzerland :	0-800-80008400
Japan :	001-010-800-80008400	Thailand :	1-800-80008400
Japan :	0033-010-800-80008400	UK :	0-800-80008400

HDFC ERGO Travel Insurance Plan Brochure

HDFC ERGO Travel Insurance Plan

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