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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

 

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