Key Highlights
Entry Age
- Single Trip: 6 months to 70 years
- Annual Multi Trip: 18 years to 70 years
- Single Trip Asia Excluding Japan: 6 months to 70 years
Family Floater
- Self : Upto the age of 60 yrs
- Spouse : Upto the age of 60 yrs
- Child : Max 2 from 3 months upto the age of 21 yrs
- Rest assured on our international travel assistance provider on call 24*7
- Optimum coverage at low costs
- Online purchase option available
Features
General covers available across all our plans are as follows
- Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as described in the policy schedule
- Emergency Medical Evacuation: Evacuation to the home country is covered up to the medical sum insured chosen
- Repatriation of remains: Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death of the insured overseas
- Emergency Dental Expenses: Covers acute anesthetic treatment of natural teeth
- Hospital Cash: Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents
- Accidental Death and Permanent Total Disability Common Carrier: The company will pay the sum insured specified in the schedule in addition to the sum insured specified under the Personal Accident section, if the insured sustains Accidental Bodily Injury during the course of the journey while travelling in a common carrier such as rail, bus, tram, or aircraft; and such bodily injury results in death or permanent total disability
- Personal accident: Compensation paid in case of death or permanent total disability caused due to an accident
- Flight delay: Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time
- Loss of Passport: Expenses incurred in obtaining a fresh or new passport
- Loss of Checked Baggage: Compensation for the permanent loss of checked-in baggage
- Delay of Checked Baggage: Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours
- Personal Liability: Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured
- Financial Emergency Assistance: Insurance cover is provided in the event of the Insured Person getting into a financial emergency due to theft, pilferage, robbery or dacoity of his/her travel funds. A fixed sum is paid as emergency assistance up to the limits specified under the Policy
- Hotel Accomodation: Pays for the cost of hotel accomodation, if the Insured Person sustains Bodily Injury or Sickness which directly and independently of all other causes results in a hospital stay as an in-patient and misses his/her flight back to the country of residence
- Hijack Distress Allowance: Insurance cover is provided in the event of the hijack of the air or sea common carrier in which the Insured Person is traveling whilst on the trip abroad during the Period of Insurance. An allowance will be paid for each day of the hijack up to the limits specified under the Policy
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 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.
- *Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings.
- *This content is descriptive only. Actual coverage is subject to language policy issued.
FAQ
Travel Insurance
Why does one require Travel Insurance?Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International Trip.
No matter what you are: a business traveler or a leisure traveler: you are now safer with Overseas Travel Insurance which protects you from unfortunate events such as loss or delay in checked baggage, passport loss, a medical emergency or an Accident.
Insure your trip and enjoy a hassel free journey.
What are the available plans with HDFC ERGO?HDFC ERGO provides coverages for Single Trip, Multiple Trips, Asia, and also a Family Floater Plan with various Sum Insured options to choose from.
What are the eligibility criterias?Our Travel Insurance policy is available for all ages between 6 months – 70 yrs.
What is the minimum period for a trip to be insured?Our Travel Plans provide coverage to travel trips as short as 1- 4 days.
Does one have to go through any medical examination?No, there is no medical examination required upto the age of 70 years.
When does one have to submit medical examination?For any insured, having adverse history shall have to submit medical reports irrespective of trip band.
What are the medical reports that need to be submitted?For any insured, having adverse history
- Blood Sugar PP & Fasting
- ECG report with tracing
- Echo Cardiograhy report
- USG Whole Abdomen
- Doctors certificate with all details of past ailment & present medication, if any doctor’s certificate for fitness to travel
What if the above mentioned medical reports are not submitted?In case the proposer is unable to submit the medical reports, the medical Sum Insured will be restricted to US$ 10,000 for all plans.
Does the Policy cover pre existing disease?This policy does not cover pre-existing diseases. A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy
Can Foreign Nationals be covered under the Policy?Foreign nationals working in India with Indian employers of multinational companies, getting salary in INR can be covered subject to verification of Ration Card and IT Verification.
Can Policies be extended?Extensions under the plan shall be provided, subject to the following:
- The original policy period has not expired
- There is no claim on the original policy
- Declaration of good health
- Extension can be effected only once on the policy
- Extension in days not to exceed 180 days
- The total extension including the original period should not exceed 360 days
- Extension premium has to be paid before actual extension is effected
For how many day can the Policies be extended?
- Single Trip Including USA/Canada (Worldwide) & Single Trip excluding USA/Canada:
The Policy may be extended maximum upto 180 Days. The total policy period including extension should not exceed 360 days.
- Single Trip Asia excluding Japan:
The Policy may be extended maximum upto 30 Days. The total policy period including extension should not exceed 60 days.
- Single Trip Family Floater excluding USA/Canada
The Policy may be extended maximum upto 60 Days. The total policy period including extension should not exceed 120 days
Is Travel Insurance mandatory?Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, belgium, Luxemdurg, Netherlands.
However for a safe and peaceful trip,we recommend that you have to take a Travel insurance policy even if you are travelling to countries apart from these.
Can the Policy be cancelled?The policy may be cancelled via request on Email/Fax, The intimation of policy cancellation has to reach us latest upto 14 days from the inception date of the policy. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.
Can the plan coverage period be reduced?No refund is allowed for an early return to India.
Whom to contact in case of a claim on the Policy?In the event of a covered emergency and to register claims, call the Assistance provider, International SOS 24 hour Help Center and quote Policy Holders’ Name, Policy Number, Insurance Company, Passport Number when seeking assistance within 24 Hours.
The contact details are:
Toll Free No: 1866 202 4700 (Only for USA & Canada)
Land line: 011 - 41898872 (for other countries)
Fax: 011 - 41898801
Email: hdfcergo@internationalsos.com
Where can one avail the claim forms?On registration of a claim, claim form will be forwarded to by mail, email or fax along with the intimation for the various documents required. The forms are also available on the website.
Whom to contact in case of Hospitalization?International SOS should be contacted for all claims. The contact details are as provided above.
Can one avail of cashless facility for Hospitalization?Yes we extend Cashless Facility for hospitalization.
Where can I get the list of Hospitals extending Cash Facility?There are no standard lists of Hospitals. The Insured needs to intimate International SOS immediately on admission so that cashless facility may be extended to him by the assistance provider.
Will the claims be settled on return to India?Except in the case of Hospitalization, claims are settled once the Insured is back in India
Is Emergency financial assistance provided?'Financial Emergency' means a situation wherein the Insured loses all or a Substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. under this benefit the insured is provided with Emergency Cash Assistance upto the limit stated in the Policy. This is an assistance provided by the company through the service provider.
Is loss of passport covered?Yes, passport loss is covered in the policy. It is covered under the benefit of ‘Loss of personal documents’. The assistance provider helps in contacting the consular authorities in case of the loss or theft of an Insured Person’s passport, and arranging for its replacement.
Does the Policy cover Loss of Cash/Credit Card?The Company shall not be liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, debit or credit cards.
What is covered under the benefit Loss of Checked baggage?This benefit will reimburse the Insured Person the cost of replacement of the articles if the Checked in baggage or Personal documents are permanently damaged or lost.
What is covered under the benefit delay of Checked baggage?This benefit will reimburse the Insured Person the cost for the purchase of necessary personal effects like toiletries, clothing, medication etc. while the delay of checked baggage has occurred.
Can one claim under both the sections Loss of Checked baggage and delay of Checked baggage?No, if later the baggage and/or personal belongings are lost, then any amount claimed and paid to an Insured Person under the baggage delay Section will be beducted from any payment under the baggage Loss Section.
Are ambulance charges covered under the Policy?Emergency Medical Expenses includes ambulance service (to or from the Hospital).
What does Medical Repatriation and Evacuation cover?Emergency Medical Evacuation means arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency.
What is the benefit under Hijack distress Allowance?If the Common Carrier in which the insured Person is aboard is hijacked, the company agrees to pay to the compensation for every six (6) continuous hours in excess of the Deductible.
