Travel Insurance

Yes, we will reimburse the Insured Person for non-refundable flight cancellation expenses incurred in the event of a flight cancellation.

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
Source : https://www.hdfcergo.com/docs/default-source/downloads/prospectus/travel/hdfc-ergo-explorer-p.pdf

No. The HDFC ERGO travel insurance policy does not cover any expenses related to the treatment of a pre existing disease or condition in the duration of your insured trip.

Accommodation or re-booking expenses resulting from a Quarantine are not covered.

Medical benefit under your travel medical insurance plan covers hospitalization, room rent, OPD treatment, and road ambulance costs. It also reimburses expenses incurred on emergency medical evacuation, medical repatriation and repatriation of mortal remains. Cashless facility is available for receiving treatments at the insurer’s network hospitals.

Flight insurance is a part of travel insurance wherein you get covered for flight-related contingencies. Such contingencies include the following –

● Flight delay

● Accidental death due to a crash

● Hijack

● Flight cancellation

● Missed flight connection

When you fall sick when travelling contact our Toll free no +800 0825 0825 ( add the area code + ) or chargeable no +91 1204507250 / + 91 1206740895 or write to travelclaims@hdfcergo.com

HDFC ERGO has partnered with Alliance Global Assist for its TPA services. Fill up the online claim form available at https://www.hdfcergo.com/docs/default-source/downloads/claim-forms/travel-insurance.pdf Fill up a ROMIF form which is available at https://www.hdfcergo.com/docs/default-source/documents/downloads/claim-form/romf_form.pdf?sfvrsn=9fbbdf9a_2.

Send the filled and signed claim form, ROMIF forms all the claim-related documents to the TPA at medical.services@allianz.com. The TPA would process your claim request, look for the networked hospitals and assist you with the hospital list so that you can get the medical attention that you need.

Currently we cannot extend the policy

No. The HDFC ERGO travel insurance policy does not come with a free-look period.

Grace period is not applicable to any cover for travel insurance policy.

The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.

There are sub-limits applicable for availing travel insurance policy for Schengen countries. Please refer the policy documents to know that sub-limits.

No, the product does not offer any refund for early returns.

A cancellation charge of Rs 250 will be levied if you cancel your HDFC ERGO travel insurance, irrespective of whether you raise the request before or after your trip begins.

No. There is no grace period applicable for a travel insurance policy.

30,000 Euros

The travel insurance premium is calculated considering the following details –

● Type of plan

● Destination

● Trip duration

● Members to be covered

● Their age

● Plan variant and sum insured

You can use HDFC ERGO’s online premium calculators to find the premium of the policy that you want. Enter in your trip details and the premium would be calculated.

Upon completion of purchase, you can download the policy schedule which will include all the trip details, insured member details, benefits covered and sum insured opted.

To buy travel insurance online, you can pay through online payment modes like Debit card, credit card, Net banking, Mobile wallet, UPI and offline payment modes like Cheque and Demand draft.

We understand that during any emergency financial distress, the sooner we can assist you, the better you’ll be able to get through the crisis. That’s why we settle your claims in record time. While the exact length of the period varies from case to case, we ensure that your claims are quickly settled upon the receipt of the original documents.

The kind of documentation depends greatly on the nature of the insured incident that has occured. In case of any loss covered by the travel policy, the following proof must be submitted.

1. The Policy Number
2. The preliminary medical report describing the nature and extent of all injuries or illnesses, and providing a precise diagnosis
3. All invoices, bills, prescriptions, hospital certificates which will permit us to accurately determine the total amount of medical expenses (if applicable) incurred
4. In the case another party was involved (like in the case of a car collision), the names, contact details and if possible, the insurance details of the other party
5. In the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents establishing the identity of any and all beneficiaries
6. Proof of age, where applicable
7. Any such other information we may require to handle the claim

In case of any accident covered by the travel policy, the following proof must be submitted.
1. Detailed circumstances of the accident and the names of witnesses, if any
2. Any police reports concerning the accident
3. The date a physician was seen consulted for the injury
4. The contact details of that physician

In case of any sickness covered by the travel policy, the following proof must be submitted.
1. The date on which the symptoms of the sickness began
2. The date on which a physician was consulted for the sickness
3. The contact details of that physician

Losing your baggage during your trip can be inconvenient, because you may need to replace a lot of essentials and spend out of pocket. With a travel insurance policy, you can cushion the financial impact of such a loss.
If you lose your baggage during the period the insurance cover is valid, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours.

Here are our contact details.
Landline:+ 91 - 120 - 4507250 (Chargeable)
Fax: + 91 - 120 - 6691600
Email: travelclaims@hdfcergo.com
Toll free no.+ 800 08250825
You can also visit this blog for more information.

In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours.

Here are our contact details.
Landline:+ 91 - 120 - 4507250 (Chargeable)
Fax: + 91 - 120 - 6691600
Email: travelclaims@hdfcergo.com
Toll free no.+ 800 08250825

Only AMT policies can be renewed. Single trip policies cannot be renewed. Extension of single trip policies can be done online.

Ideally, it would be best if you buy a travel insurance plan like HDFC ERGO's International Travel plan, which covers coronavirus hospitalisation before embarking on your journey. Your travel insurance covers you from the first day of your journey till you return to India. However, it might not be possible to buy one while you are overseas and reap its benefits. So, make it a point to buy your travel medical insurance ahead of time. To avoid last minute hassles buy your insurance as soon as you book tickets for your destination.

No, travel insurance doesn’t cover a Positive PCR Test if detected before your journey. However, hospital expenses, medical reimbursements and cashless treatment in network hospitals are provided as mentioned under your travel insurance policy if you get infected with coronavirus while travelling.

No, flight cancellations due to COVID-19 infection are not covered under HDFC ERGO’s International Travel Plan.

While buying Travel Insurance online, you can opt for Individual Travel Insurance, Family Travel Insurance or Student Travel Insurance, depending on your need and how you plan to travel. Depending on the sum you want to insure, you can also choose from our Gold, Silver, Platinum, and Titanium plans. However, you don’t have to pay extra for COVID-19 coverage. You will be covered for the same in any of the travel plans you choose.

Travel Insurance covers emergency medical expenses due to COVID-19. Coverage for preexisting disease varies from one insurer to another. Currently, pre-existing condition is not covered.

No, HDFC ERGO’s travel insurance plan doesn’t cover quarantine expenses.

We will help you settle your claims for COVID-19 hospitalisation and expenses as soon as possible. The claim is settled within three working days after receiving all the valid documents related to your hospitalisation and medical expenses for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).The claim will cover expenses for the patients who test positive for COVID-19. However, it doesn’t cover expenses for home quarantine or quarantine in the hotel.

No, HDFC ERGO’s travel insurance doesn’t cover missed flights or flight cancellations due to COVID-19 or COVID-19 testing.

A third-party administrator provides operational services such as claims processing and other benefits as mentioned in your policy under contract with HDFC ERGO and can assist you in times of emergency when on international shores.

Covid-19 coverage comes under the benefit of "Emergency medical expenses" Specific Claim Documents applicable to EMERGENCY MEDICAL EXPENSES – ACCIDENT & ILLNESS

a. Original Discharge Summary

b. Original Medical Records, Case history and investigation reports

c. Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills).

d. Original Bills & Payment Receipts of medical expenses and other expenses