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Home / Travel Insurance / Flight Delay

Flight Delays

Travelling is indeed exciting, and we all eagerly wait to pack our bags and leave for the desired destination. While we plan for any trip, it is also necessary to have a backup plan for that journey, just in case you encounter any unfortunate incident during the trip which can play a spoilsport. One such incident could be flight delays. When we are travelling, there are high possibilities of flight delays due to:

Bad Weather
Natural Disasters like floods, earthquakes, cyclones, etc.
Air Traffic
Waiting For Connecting Passengers
Mechanical Delays

Things You Can Do at the Airport If You Have a Delayed Flight

Know Your Passenger Rights

Having an ample amount of information increases your chances of minimizing the negative impact of an unexpected event. Air travel is a heavily regulated industry, and passengers are well-protected at the national and international levels. Therefore, being informed increases your chances of minimizing the negative impact of a flight disruption.

Find Out The Cause Of The Delay

As a passenger, you have the right to know the reason for the delay of your flight. That is particularly important as it will determine your right to claim compensation and other expenses such as the meal costs.

Contact The People And Service Providers Affected By Your Flight Delay

If you have booked services at your destination, notify them if your arrival time changes. For example, if you’ve booked a car rental or a shuttle, let them know your flight is delayed so they can hold onto your reservation. Certain car rental companies will hold your vehicle for up to 24 hours from the scheduled pick-up time if your flight has been delayed. This is important as it will safeguard your reservation, and your bill will not consist of unnecessary costs or no-show penalties. Similarly, if you’ve booked a hotel room and won’t be able to make it during the check-in times, do give them a call.

Inclusions under Flight Delays Cover in Travel Insurance

The insured person will get reimbursement of expenses on meals and refreshments if a flight delay or connecting flight has arrived late. The coverage limit for expenses will be as per the amount mentioned in your policy.

For Example: 1. If Mr A and his wife are travelling to London via Dubai from Delhi and there is a delay in connecting flights from Dubai, they will get coverage for expenses borne on meals and refreshments.

2. If Mr X is travelling with his wife and two children to New York from Mumbai and there is a flight delay due to bad weather, he and his family will reimburse expenses on meals and refreshments.

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Exclusions under Flight Delays Cover in Travel Insurance

The cost borne for the purchase of another ticket due to flight delays is not covered.
Compensation for reimbursement of meals, refreshments and accommodation are not provided on missing the connecting flight.
If an Insured Person fails to check in as per the itinerary provided to the insurer. It is exempted if the person does not check-in as scheduled due to a strike or any natural calamity.

How to Claim Travel Insurance?

The claims process of HDFC ERGO travel insurance is straightforward. You can place a claim on your travel insurance online on cashless as well on a reimbursement basis.

Cashless Claim
Reimbursement Claim

Intimation

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

Checklist

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

Mail Documents

Download the digital claim form from here

Processing

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

Intimation

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

Checklist

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

Mail Documents

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

Processing

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

Documents You Need to Claim Flight Delay Compensation

Here’s a check-list of documents for flight delay claims

Claim form (describe the loss in section E with mentioned total delay hours is mandatorduly completed and signed by the claimant.
Confirmation letter from the airlines clearly stating the duration and the reason for flight delay.
Insured’s Indian bank cancelled cheque copy or bank account statement with A/c No, A/c holder name, Branch name and IFSC code.
Passport with Exit and Entry Stamp or Boarding Pass.

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Frequently Asked Questions on Travel Insurance

1. Why are flight delays so common?

A crowded or busy airport can have planes lined up on the runway to take off. Due to this, many planes keep circling the airport, waiting on their clearance to land. This causes the late arrival of other flights and a ripple effect on other flights.

2. What weather causes flight delays?

Thunderstorms, hail, lightning and hurricanes can wreak havoc at airports leading to flight delays and cancellations. Sometimes, extreme weather in some regions causes heat, fire, and smoke, contributing to flight delays.

3. In the case of International Trip Delay, Will I Be Eligible For Reimbursement of Additional Accommodation Charges Incurred?

No, the insured person will get reimbursement of expenses only on meals and refreshments if a flight delay or connecting flight has arrived late. Also, the coverage limit for expenses will be as per the amount mentioned in your policy. There is no reimbursement for additional accommodation.

4. Will I get any refund by the airline if my flight is delayed?

If passengers checked in on time, but the airline expects a delay. If the delay is between two and five hours, the airline must offer passengers free-of-charge meals and refreshments based on the time the flight is delayed. However, passengers can ask for an option of either an alternative flight or even a full refund of the ticket, if the flight delay is six hours or more.

5. How long does a flight have to be delayed for compensation?

If the delay is between two and five hours, the airline must offer passengers free-of-charge meals and refreshments based on the time the flight is delayed.

6. How will this flight delay cover benefit me?

The flight delay cover will help get the insured person reimbursement of expenses on meals and refreshment, if a flight delay or connecting flight has arrived late.

7. Why are flights getting delayed?

Flights can get delayed due to bad weather, natural disasters, air traffic and mechanical delays.

8. What are my rights if flight delayed?

If the flight is delayed for six hours or more, then passengers can ask for an option of either an alternative flight or even a full refund of the ticket.

9. Can I go to airport later if flight is delayed?

Even if the flight is delayed, you should be at the airport as per the original departure time.

10. What happens if your flight is delayed and you miss your connecting flight?

If you miss your connecting flight with the same airline as your first flight, then it’s the airline’s responsibility to rebook you on the next available flight. If that’s not until the next day, the airline should book you with another airline or offer you overnight accommodation and meal vouchers. If your connection is with a different carrier than your first flight, then the airline is not responsible for making the next flight booking for you.