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Plan a carefree trekking trip this monsoon with HDFC ERGO travel insurance

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Published on July 27, 2021. EST READ TIME: 3.5 minutes



As the stinging scorch of summer gives way to the first showers of monsoon, those bitten by the travel bug start longing for the great outdoors. Finally, it’s time to leave air-conditioned rooms and enjoy the respite of the cool rain. Adventure beckons and nothing short of a rain-drenched trek will suffice. Monsoon is a great time to go on a trekking trip as it is during this season that nature begins to show its true colours.

Leaving behind the hubbub of the city and planning a trek requires some effort. One must prepare a checklist of items needed for when they are away on their adventure. Trek gear, first aid, and food supplies are some essentials. But what the most seasoned of travellers often forget is to prepare for an unforeseen emergency.

Why you need to buy travel insurance for your monsoon trek?

Emergencies do not announce their arrival. And in the case of an adventurous pursuit like a monsoon trek, the incidence of facing eventuality multiplies. If you are planning such a trip, keep in mind that you will be in an unfamiliar place and an unforgiving environment. Even for the most careful trekkers, the possibility of injury, theft, and travel or accommodation setback remains.

Fortunately, one can prepare for these adverse possibilities by insuring their trekking trip. A comprehensive travel insurance plan such as the HDFC ERGO travel insurance will allow travellers to embark on their adventures without having to worry about financial losses due to accidents or theft.

How to secure trekking with HDFC ERGO Travel Insurance Plan?

HDFC ERGO travel insurance provides comprehensive coverage to policyholders. This well-rounded plan takes into account a number of losses that could occur during your monsoon trek. Here's a breakdown of HDFC ERGO's travel insurance coverage—

Medical expenses: The plan covers costs that may be incurred because of illness, accident or medical evacuation. Emergency medical evacuation involves transportation of the policyholder to the nearest hospital. Medical expenses also cover inpatient, outpatient, non-aesthetic dental treatment, therapies, medical aid and diagnostic tests.

Accident: Compensation will be paid in case of the insured person's death or total disability due to a personal accident. Moreover, if such death or disability takes place as a result of travelling in a common carrier like a bus, train or aircraft, compensation will be paid in addition to the personal accident.

Hospital expenses: A daily allowance will be paid to the insured if they are hospitalised due to illness or accident during their travel.

Flight and baggage-related expenses: In case a policyholder's flight has been delayed by more than 12 hours from the scheduled departure time, they will be compensated to buy meals and refreshments.

If the baggage is lost, the cost of procuring replacements for personal documents like passport and other belongings will be paid. Loss of checked-in baggage will be reimbursed under this cover. Moreover, if there is a delay in getting the checked-in baggage by more than 12 hours, compensation will be paid for toiletries, clothing and medication.

Financial emergency and personal liability: If the insured sustains a loss of their travel funds in a substantial part or in full because of theft, robbery, dacoity or pilferage, financial assistance will be provided. If the insured involuntarily causes losses to a third party due to injury, death or damage to their health or property, compensation will be paid.

Contingency benefits: If the policyholder misses their flight back to their place of residence due to hospitalisation which results from injury, illness or other causes, the cost of hotel accommodation will be paid.

Hijack distress: If the common carrier on which the insured person is travelling is hijacked during an overseas trip, they will be paid an allowance for each day of the hijack up to the limit specified in the policy.

What are the benefits of HDFC ERGO Travel Insurance Plan?

Such a wide coverage offered by HDFC ERGO travel insurance comes with a number of attractive features and benefits for the insured.

Wide range of plans: HDFC ERGO's travel insurance comes in a number of plans created for the benefit of different individuals. Its 'single trip' policy and 'single trip for Asia excluding Japan' plan covers individuals who are between 6 months and 70 years old.

The 'annual multi-trip policy' is available for 18- to 70-year-olds. The family floater plan covers the insurer and their spouse if they are under 60 years old, and two children between the ages of three months old and 21 years old.

Medical procedures: No health check-ups or medical procedures are needed to apply for HDFC ERGO travel insurance.

Online issuance and assistance: You can buy the HDFC ERGO travel insurance online. All medical claims can be made and emergency assistance can be sought on call 24x7.

Cashless claims: In case of hospitalisation, the insured need not pay cash because of HDFC ERGO travel insurance's cashless claims procedure.

How to buy HDFC ERGO Travel Insurance Plan online?

Follow these steps to buy the HDFC ERGO travel insurance online—

·     Visit https://www.hdfcergo.com/travel-insurance

·     Select the 'Buy Now' option

·     Select the type of travel and enter the age of the traveller

·     Enter details such as the countries of visit along with the departure and return dates to get a quote

·     Choose the travel insurance plan that best suits you

·     Fill out the required details

·     Make the payment

Alternatively, applicants can also buy the insurance cover using HDFC Bank's net banking.

Conclusion

Buying a travel insurance plan has never been easier. It can be availed through just a few clicks online. Those planning a trekking trip this monsoon season must purchase the HDFC ERGO travel insurance to protect themselves from a variety of financial and medical emergencies. This plan presents a number of benefits and ensures a hassle-free claims process when you are stuck in an unknown region during an emergency.

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

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