HDFC ERGO Travel Insurance

1. Comprehensive Coverage

HDFC ERGO offers a broad range of coverage including emergency medical expenses, personal accident, baggage loss, and trip delays, ensuring that most aspects of your travel are secure.

2. Emergency Medical Expenses

The policy covers medical treatment costs incurred due to accidents or illnesses during the trip, including medical evacuation if necessary.

3. 24/7 Support

Policyholders have access to a 24/7 support hotline for assistance services, which is invaluable in the event of an emergency.

4. Easy Online Process

From purchasing the policy to making claims, everything can be done online with a user-friendly interface, providing convenience and ease of use.

5. No Health Check-ups

There are no mandatory health check-ups required up to a certain age for purchasing the insurance, making the application process quicker and hassle-free.

6. Baggage Cover

HDFC ERGO provides cover for lost checked-in baggage, giving you peace of mind in case of mishandled or lost luggage during your travels.

7. Trip Cancellation and Interruption

The insurance also covers financial losses if your trip is cancelled or interrupted due to unforeseen events.

8. Personal Liability Cover

In the event that you become legally liable for accidental bodily injury or property damage to a third party, the policy provides personal liability cover.

9. Customisable Plans

You can tailor your travel insurance plan with various add-ons to suit your travel needs, be it for leisure, business, or education.

10. Cashless Hospitalisation

The policy facilitates cashless hospitalisation at a wide network of hospitals worldwide, easing the burden of medical expenses while travelling.

11. Home Insurance Benefit

An additional benefit of home insurance is provided to protect your home against fire and burglary while you are travelling.

12. Multi-Trip Coverage

For frequent travellers, there is an annual multi-trip policy that covers multiple trips throughout the year, saving the hassle of purchasing separate policies.

13. Passport Loss Assistance

The policy covers expenses for obtaining a new or duplicate passport if yours is lost during your travels.

14. Global Presence

HDFC ERGO has a vast global network, providing assistance and support services in many countries across the world.

15. Automated Claims Processing

The claims process is automated for ease and efficiency, ensuring quick resolution and settlement of valid claims.

Benefits of HDFC ERGO Travel Insurance

HDFC ERGO Travel Insurance is designed to alleviate the concerns of travellers by offering numerous benefits that ensure a safe and worry-free journey. Below are some of the key benefits that policyholders can enjoy:

1. Wide-Ranging Medical Coverage

HDFC ERGO Travel Insurance provides extensive medical coverage that includes hospitalisation expenses, outpatient treatment, and even the cost of transporting the insured back to India for medical treatment if necessary.

2. Emergency Assistance Services

In the event of an emergency, the policy includes services such as emergency medical evacuation, repatriation of remains, and assistance in case of loss of passport or travel documents.

3. 24/7 Customer Support

Customers have access to 24/7 customer support to assist with any inquiries or issues that may arise during their trip, from policy questions to emergency assistance.

4. Convenience of Cashless Transactions

The policy offers the convenience of cashless transactions for medical treatments, allowing travellers to receive necessary care without the immediate burden of payment.

5. Personal Accident Coverage

The insurance provides a lump sum payment in the unfortunate event of death or permanent disability due to an accident during the trip.

6. Baggage and Personal Effects Coverage

Compensation for lost, stolen, or damaged baggage and personal effects ensures that travellers are not left without essentials or face financial loss.

7. Trip Delay and Cancellation Reimbursement

Reimbursement for trip delays, cancellations, and interruptions due to covered events, such as illness or natural disasters, helps to mitigate the financial impact on the traveller.

8. Home Burglary Insurance

A unique benefit of home burglary insurance offers protection for the policyholder's home against burglary while they are travelling.

9. Pre-Existing Disease Cover

The policy can cover emergency medical expenses arising from pre-existing conditions under life-threatening situations, providing an additional safety net.

10. Automatic Extension of Policy

In certain cases, such as a medical emergency or flight delay, the policy can be automatically extended, providing continued coverage without additional charges.

11. Global Safety Net

With a presence in numerous countries, the policy acts as a global safety net, offering protection no matter where you are.

12. Quick and Easy Claims Settlement

The claims process is designed for quick and easy settlement, ensuring that valid claims are processed and resolved without unnecessary delay.

13. No Medical Check-Ups

For individuals up to a certain age, there are no medical check-ups required to avail of the insurance, making the process swift and hassle-free.

14. Legal Liability Coverage

The policy covers legal liability in case of accidental damage or bodily injury caused to a third party, providing legal and financial assistance.

15. Optional Cover Enhancements

Policyholders have the option to enhance their coverage with add-ons like adventure sports cover, increased accidental death and disability cover, and more for an additional premium.

These are the fundamental areas that HDFC ERGO’s travel insurance aims to cover, ensuring that travellers are well-prepared to face uncertainties and challenges that may arise during their trips. The focus is on offering travellers peace of mind, empowering them to enjoy their journeys to the fullest without having to worry about potential risks and hurdles.

2. Choose Your Plan: Select a plan that best suits your travel needs, whether it’s individual, family, student, or multi-trip insurance.

3. Fill in the Details: Enter essential information such as travel dates, destinations, and traveller details to get a quote for the chosen plan.

4. Review and Customise: Review the coverage offered and customise it by adding necessary add-ons or modifying the sum insured to fit your requirements.

5. Make the Payment: Complete the purchase by making a secure online payment through available options like credit/debit card or net banking.

6. Receive Policy Documents: Once the payment is successful, the policy documents will be sent to your registered email, ensuring that you have all the necessary information readily available during your trip.

By following these steps, travellers can ensure they are adequately insured, allowing them to embark on their journey with peace of mind, knowing that they are protected against unforeseen circumstances, including those related to COVID-19.

2. Provide Necessary Documentation: Prepare and submit the required documents supporting your claim. This may include medical reports, bills, travel documents, or any other relevant paperwork.

3. Claim Assessment: HDFC ERGO will assess the claim based on the provided documents and policy terms. Additional information may be required during this process.

4. Claim Approval and Settlement: Once the claim is approved, the settlement will be processed promptly. The claim amount will be disbursed according to the policy terms and coverage.

5. Assistance and Follow-Up: Throughout the claim process, HDFC ERGO’s customer support will assist you, keeping you informed and guiding you through each step.

Having a clear understanding of these procedures ensures that you can utilise your travel insurance effectively, giving you peace of mind during your travels.

When filing a claim with HDFC ERGO Travel Insurance, it’s essential to provide the necessary documentation to ensure that the process is smooth and your claim is processed efficiently. Here’s a list of common documents that you might be required to submit for a claim:

1. Claim Form

A duly filled and signed claim form that is provided by HDFC ERGO is the first and foremost document required to initiate any claim.

2. Passport Copy

A copy of the information pages of your passport that verifies your travel dates and identity.

3. Proof of Travel

Evidence of your travel plans such as ticket copies, boarding passes, or a confirmation from the airline or travel agency indicating the dates and destinations of your journey.

4. Medical Documents

In case of medical claims, you will need to provide detailed medical reports, hospital bills, prescriptions, and a statement from the attending physician detailing the nature of the emergency and treatment provided.

5. Police Report

For claims involving loss or theft, such as baggage or personal belongings, a copy of the police report filed at the location where the incident occurred is required.

6. Original Receipts or Bills

Submit all original receipts and bills for expenses incurred, whether they are for medical treatment, purchase of essentials due to delayed luggage, or accommodation due to travel delays.

7. Proof of Ownership

In the event of loss or theft, proof of ownership for the lost or stolen items, such as purchase receipts or warranty cards, may be requested.

8. Communication with Airlines

If your claim involves baggage delay or loss by an airline, provide documented communication with the airline, including the Property Irregularity Report (PIR), acknowledgement of delay or loss, and receipts for any interim purchases.

9. Death Certificate

In the unfortunate event of a death claim, a death certificate and possibly a post-mortem report are required.

10. Proof of Accident

In case of an accident-related claim, documentation such as a hospital admission note, doctor’s notes, and accident reports can be necessary.

11. Cancellation Documents

For trip cancellation claims, documentation supporting the reason for cancellation, such as a doctor's note or employer’s letter, along with proof of refund amounts from airlines or tour operators, is needed.

12. Payment Receipts

For any paid services that you are claiming, such as repatriation or legal expenses, receipts of payment will be necessary.

13. Any Other Relevant Documentation

This may include any additional documents requested by HDFC ERGO that are specific to your claim situation, such as a third-party liability claim or additional purchase proofs.