Introducing Travel Explorer
Our all-new travel insurance plan
With 15+benefits; travel worry-free
1 Lac+
Cashless Hospitals
24x7 In-house
Claim Assistance
No health
Check-ups
Individual Travel Insurance Online
Is it work or vacation, business or leisure that keeps the traveller in you alive? Whatever the answer, we ensure you have no reason to slow down. But before you embark on your journey, get travel insurance to secure your trip from all the possible risks that could arise in a faraway land. A medical or dental emergency, loss or delay of check-in baggage, documents, theft - any unpleasant event can leave you stranded and helpless at a foreign destination. Having an individual travel policy can come to your rescue at such times. Moreover, while travelling alone to an overseas destination, you should be prepared enough to take on any challenge that crops up head-on. So, as you put your essentials into your backpack, remember to get International travel insurance for individuals to secure your trip.
Why do I need Individual Travel Insurance?
• Essential Lifesaver: Provides crucial support during unexpected challenges and emergencies abroad.
• Solo Traveler's Best Companion: Highly recommended for individuals exploring foreign destinations alone.
• Medical Coverage for Peace of Mind: Offers financial assistance for medical and dental emergencies, ensuring worry-free recovery.
• Comprehensive Trip Protection: Safeguards against journey and baggage-related issues like flight delays, cancellations, loss of documents, personal liability, and baggage delays or losses.
• Varied Coverage Across Insurers: Coverage specifics may vary, so carefully review individual travel insurance policies to understand inclusions and exclusions.
• Global Mandates: Mandatory in certain countries like Turkey and the UAE, emphasizing the importance of having valid travel medical insurance.
Where do you wish to wander today?
Asia
Experience the diversity of Asia without a single worry with our international travel insurance plans. The medical insurance coverage comes in particularly handy when traveling to remote parts of the continent.
Schengen countries
While it is compulsory to get travel insurance to obtain a Schengen visa; the sceneries shine brighter, and parties get louder when you have someone looking out for you at every step of the way!
Worldwide, excluding USA and Canada
For nomads constantly hopping from one country to another, a comprehensive travel insurance plan offers the safety and peace of mind to travel at will to any part of the world without any hassles.
Worldwide coverage
It's beautiful to see the sunrise from a different country every week, but as a globetrotter, you must also prioritise your safety. Travel the world fearlessly as we protect you and everything dear to you.
What Does HDFC ERGO Travel Insurance Policy Cover?
Emergency Medical Expenses
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.
Dental Expenses
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
Personal Accident
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
Personal Accident : Common Carrier
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
Hospital cash - accident & illness
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight Delay & Cancellation
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
Trip Delay & Cancellation
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Loss of Passport & International driving license
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Trip Curtailment
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
Personal Liability
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Emergency Hotel Accommodation for Insured Person
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Missed Flight Connection
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Hijack Distress Allowance
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
Emergency Cash Assistance Service
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Loss Of Checked-In Baggage
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Delay of Checked-In Baggage
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage and its contents
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
What Does HDFC ERGO’s Travel Insurance Plan Not Cover?
Breach of Law
Any sickness or health issues caused to due to war or a breach of the law.
Consumption of Intoxicant substances
If you consume intoxicant or banned substance, the policy shall not entertain any claims.
Pre existing diseases
If you're suffering from a disease before travelling or undergo treatment for an illness which already exists, we do not cover it.
Cosmetic and Obesity Treatment
If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.
Self Inflicted Injury
We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you
Adventure Sports
Any injury caused due to an adventure sport remains uncovered.
Individual Travel Insurance Plans
Individual Single Trip Travel Insurance
Designed for solo travellers planning on taking a trip to an international destination. Whether it's a fun tour for leisure or a short trip for business or job purposes, you can easily secure your journey from contingencies with this travel insurance plan type. Do note that the individual travel insurance for overseas single trips only covers a single specific journey, not multiple ones. It means the coverage under this travel insurance plan will normally start from the time of that specific trip commencement and span the stated duration of the organised journey. So those who have a particular international vacation in mind for the year can easily go for this plan type.
Individual Multi Trip International Travel Insurance
Designed for those who consider themselves travel enthusiasts, It is a type of overseas travel insurance plan that covers multiple trips within a year (365 days). So, solo travellers who love to go on vacations or individuals who need to travel frequently for business or job purposes, multiple times within a year, can go for the individual multi trip travel insurance policy. This policy covers multiple trips within a year, meaning you get coverage for multiple journeys under a single plan. It not only makes purchasing and managing travel insurance easy but also means that you have to deal with significantly less paperwork. While you get all the general coverage, including many unforeseen medical and non-medical events, note that the coverage for each trip within the year has a maximum day limitation.
Individual Travel Medical Insurance
Travel medical insurance is the most suitable trip companion you can have on your solo adventures around the globe. Medical emergencies often come unannounced, and dealing with them while on a solo trip to a foreign land can be really difficult. It not only causes mental stress but also affects your overall trip budget, which is mainly due to expensive healthcare abroad.
So, the best step you can take to ensure such issues don’t become a massive problem while on your solo trips is to invest in an individual travel insurance policy. With its financial assistance and round-the-clock support, you can get the proper medical care you need when facing health complications on your international trip. A few examples of coverage offered under this plan are:
• Emergency Medical Benefits: It is one of the main features of individual travel insurance. It covers the expenses incurred due to accident or illness during the trip, including 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.
• Hospital Cash: In case the insured has to undergo hospitalisation because of an illness or accident during the journey, the insurer will provide a daily allowance of “cash” as stated in the plan.
• Medical Evacuation: If the need arises where the insured requires emergency medical evacuation to the nearest hospital for receiving appropriate treatment, the policy will cover the associated expenses incurred in moving the patient via road or air transportation.
• Permanent Disablement: In the event of permanent disablement caused by an accident while on the trip, the policy will offer a lump sum compensation to the insured.
Key Features of Individual Travel Insurance
The specific features of an individual travel plan vary from one provider to the other. Here are some examples of the key features that come with individual travel insurance India by HDFC ERGO
| Key Features | Benefits |
| Wide range of Cashless Hospital Network Worldwide | With more than 1 lac network hospitals worldwide, you can easily avail cashless claim facility if required during your international trips. The cashless facility gives you access to proper medical care without burning a hole in your pocket. |
| Wide coverage amount | HDFC ERGO individual travel insurance gives you coverage options from $40K to $1000K. Depending on your trip requirement and overall budget, you can go with a suitable coverage amount. |
| Cover for COVID-19 | The individual travel insurance policy covers hospitalisation and other expenses caused due to being affected by COVID-19 during the trip. |
| Tailored plans at competitive prices | You get to choose between silver, gold and platinum plan options per your trip budget and requirements. |
| Medical and non-medical cover | In addition to medical and dental emergencies, individual travel insurance plan also covers unanticipated non-medical events. It includes cover for trip curtailment, hijack distress allowance, flight delay, loss of checked-in baggage, etc. |
| 24x7 In-house claim assistance | With HDFC ERGO individual travel insurance, you get 24x7 claim settlement service, making travelling more manageable and fun. |
Eligibility Criteria And Documents Required For Individual Travel Insurance
If you are considering buying individual travel insurance from HDFC ERGO, here’s what you need to know about the eligibility criteria;
• The policy comes with worldwide coverage for Indian residents for trips related to holidays, business & official and employment purposes.
• The age limit is from 91 days to 70 years.
In terms of documentation, make sure to contact your insurer to find the exact paperwork needed for the individual travel insurance. With HDFC ERGO be rest assured to go through zero paperwork when buying online, you will only be required to share the following details when buying the policy:
• Details of the trip destination and duration.
• Personal details of the insured, such as name, gender, passport number, date of birth, and medical history (if any).”
• Personal details of the proposer, such as name, address, PAN card number, and nominee details.
• Make sure to contact the insurer via a toll-free number or email for additional details on this aspect.
Individual Travel Insurance Claim Process
When looking for an individual travel insurance policy, make sure to learn about the claim procedure. Filing individual travel insurance claims is very easy with HDFC ERGO. Here are the two claims process that you can follow;
Intimation
Intimate claim to travelclaims@hdfcergo.com / medical.ervices@allianz.com and get a list of network hospitals from TPA.
Checklist
Checklist: travelclaims@hdfcergo.com will share the checklist of documents required for cashless claims
Mail Documents
Send the cashless claim documents and policy details to our TPA partner- Allianz Global Assistance, at medical.services@allianz.com.
Processing
Our concerned team will contact you within 24 hours for the further cashless claim process as per policy terms & conditions.
Intimation
Intimate claim to travelclaims@hdfcergo.com and get a list of network hospitals from TPA.
Checklist
travelclaims@hdfcergo.com will share the checklist of documents required for reimbursement claims.
Mail Documents
Send all required documents to travelclaims@hdfcergo.com for reimbursement as per the Checklist
Processing
Upon receipt of complete documents, the claim will be registered and processed within 7 days as per policy terms & conditions.
With HDFC ERGO, filing and settling individual travel insurance claims have become a simple task. The 24x7 claim support and 1 lac+ network hospitals worldwide have made settling cashless and reimbursement claims easy.
List Of Countries Where Travel Insurance Is Mandatory
Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.
Schengen countries
- France
- Spain
- Belgium
- Austria
- Italy
- Sweden
- Lithuania
- Germany
- the Netherlands
- Poland
- Finland
- Norway
- Malta
- Portugal
- Switzerland
- Estonia
- Denmark
- Greece
- Iceland
- Slovakia
- Czechia
- Hungary
- Latvia
- Slovenia
- Liechtenstein and Luxembourg
Other countries
- Cuba
- Ecuador
- Iran
- Turkey
- Morocco
- Thailand
- UAE
- Togo
- Algeria
- Romania
- Croatia
- Moldova
- Georgia
- Aruba
- Cambodia
- Lebanon
- Seychelles
- Antarctica
Source: VisaGuide.World
Individual Travel Insurance Reviews & Ratings
JAGRATI DAHIYA
STUDENT SURAKSHA OVERSEAS TRAVEL
10 Sep 2021
Happy with the service
Vaidyanathan Ganesan
my:Single trip Travel insurance
05 Jul 2019
I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.
SAKSHI ARORA
my:Single trip Travel insurance
05 Jul 2019
Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now
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Frequently Asked Questions
1. Now that I have selected the Individual Travel Insurance Plan, which sum insured should I opt for?
Select the sum insured which will optimally cover you in case of any eventualities. We recommend the same basis your country of visit as average medical treatment cost varies from country to country.
2. I want my parent(s) to visit me. Can I be their proposer and purchase the policy?
Certainly, you can buy a travel insurance policy for your parents on Individual Sum Insured basis or on floater basis as you deem right.
3. Can I purchase a policy for someone who is unrelated to me?
No. You can buy travel insurance for your immediate family members only.
4. I suffer from Hypertension / Diabetes. Can I buy a travel insurance policy?
Yes you can buy travel insurance in case you suffer from hypertension/ diabetes by declaring the same. However, in case of a medical emergency, you will be covered for all expenses excluding those of your pre-existing disease.
5. What is a deductible?
Deductible is the amount that the insured has to bear first in all cases and is deducted from the payable claim amount.
6. Are there any sublimits in the travel insurance policy?
Sublimit is applicable for only those over 61 years of age. The same is specified in the policy schedule.
7. Are there any pre-policy medical checkup required for travel insurance?
No, there is no such requirement. Just declare if any pre-exisiting disease condition and you are good to go.
8. Does the policy cover Pre-existing Disease or Condition?
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.
9. What does medical evacuation and repatriation 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.
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