All You Need to Know about Travel Insurance for Flight Journey

Posted on: Feb 18, 2019 | | Written by:

All You Need to Know about Travel Insurance for Flight Journey

To travel is to live. By travelling you get to connect with new people around and indulge onto a unique culture. Be it a business trip with a lot of hectic schedules or a leisure tour with family and friends, travelling gives you new experiences and allows you to see life through a different lens altogether. While flying away to far-off destinations is filled with fun and adventure, it’s highly probable that you might expose yourself to certain risks and uncertainties. Hence, for all your travel plans it’s very essential to buy travel insurance.

Travel Insurance for Flight Journey

While flying to overseas destinations, it is important to have travel insurance as it offers coverage against several risks related to airline services. For instance, Flight delays, wherein if the aircraft is delayed for more than 6 hours then HDFC ERGO reimburse the amount spent on purchase of meals, refreshments etc. subject to submission of bills. So, the answer to the commonly asked question does travel insurance cover delayed flights? Is yes, a travel Insurance does cover flight delay to ensure a smooth financial planning for your tour.

What is Covered

1. Medical Emergency–

If you come across any medical emergency during your flight journey, travel insurance will bear the expenses for medical assistance. HDFC ERGO travel insurance has a wide network of one lakh plus cashless hospitals.

2. Flight Delays–

When we are travelling, there are high possibilities of flight delays due to bad Weather, natural disasters, air traffic, etc. If you have a travel insurance policy you will get reimbursement of expenses on meals and refreshments if a flight delay or connecting flight has arrived late.

3. Baggage Delay–

While travelling, luggage delay is probable, leading to add-on expenses for purchasing clothes or medicines. With baggage delay cover under travel insurance, travellers will get reimbursement for purchasing necessary items due to delay or misdirection of checked-in baggage.

4. Loss of Personal Document:

With travel insurance policy you can travel stress free and worry less about losing important documents during the journey. In case of loss of passport, the insurer will reimburse the costs of getting a duplicate/new passport.

Why is Flight Insurance Important

• Covers against risks of travel:

Flight insurance covers risks during journey such as loss of passport and personal belonging cover, loss of checked-in baggage etc. With these risks covered, you get an additional layer of protection against financial loss. For example, suppose your flight is cancelled for any reason as per coverage terms & conditions, the insurer will give you compensation up to a particular limit. Without flight Insurance, these costs would create a big hole in your pocket. By reimbursing such non-refundable expenses, travel Insurance protects your finances.

• Covers trip disruptions:

Trip disruptions mean any disruptions that may cause you to cancel or curtail your trip for any reason. Travel Insurance also provides coverage for cancelled bookings and entire trip cancellations either by you or the tour company, among others, as per the policy Terms and Conditions against each cover. Having these risks covered provides a level of compensation.

• Flight Insurance companies assist:

Insurance companies provide all types of assistance in case of any problems on your trip. Their guidance can help you file your claims correctly and also help you find a network hospital to get treated. As long as your insurance policy is valid, the company is obligated to help you in times of need.

How to Buy Travel Insurance for Flight Journey?

You can buy HDFC ERGO travel insurance for flight journey by visiting its website. First you need to add trip details, you want to insure. Then you have to mention about your travel information, fill personal details and choose travel insurance plan accordingly.

Claim Process for Flight Insurance

The claim for flight insurance can be made in cashless or reimbursement form:

Cashless Claim

• Intimate claim to travelclaims@hdfcergo.com and get a list of network hospitals from TPA.

• Medical.services@allianz.com will share documents required for cashless claims.

• Download the digital claim form from here

• Send digital claim form to medical.services@allianz.com along with ROMIF.

Reimbursement Claim

• Intimate claim to travelclaims@hdfcergo.com or call on Global Toll-Free No : +800 08250825.

• Travelclaims@hdfcergo.com will share the checklist/documents required for reimbursement.

• Claim documents along with claim form to be sent to travelclaims@hdfcergo.com or processing@hdfergo.com.

• Claim is registered by HDFC ERGO call centre executive on respective claims system.

Commonly Asked Questions

1. Does travel insurance cover flight cancellation?

No, Travel insurance does not cover flight cancellation.

2. Does travel insurance cover missed flights?

In case you have missed the flights, due to delay in arrival it does not get covered*.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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