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Home / Travel Insurance / HDFC ERGO's Travel Insurance Cover: Loss of Personal Documents & Baggage

Loss of Baggage & Personal Documents

While travelling, certain situations are beyond our control or rather unavoidable, like loss of baggage and personal documents. When travellers lose their baggage having essential items and documents like passports, visas, identity proof, etc., they can be in serious trouble. However, suppose you have a travel insurance policy in hand. In that case, there is nothing to worry about as the insurer will provide reimbursement of expenses on making a duplicate copy of those documents or purchasing necessary essential items.

Why Do I Need Travel Insurance Baggage Coverage?

Baggage Insurance comes in handy when a traveller's baggage is lost or damaged during a trip. Be it due to theft or any other mishap; it is enough to cause trouble and ruin even the best-planned trips. Baggage insurance helps in getting compensation for the goods and valuables present in the bag which get damaged or lost during the trip. Apart from this, it also provides reimbursement for essential items if the baggage gets lost.

Advantages of Buying Loss of Baggage & Personal Documents Cover in Travel Insurance

Here are some advantages of buying a loss of baggage & personal documents cover in travel insurance:

Compensate Cost For Loss of Goods

Suppose the insured lose their baggage or its valuables during the trip, a baggage insurance policy will compensate for the cost of lost luggage. However, there is no coverage for loss of cash, currency notes, traveller's cheques, debit/credit cards, jewellery etc.

Reimburses for Essential Items

If the insured person has to incur extra expenses on buying essential items such as toiletries or clothes because of baggage delay/loss/damage, the same will be reimbursed under this insurance policy.

Travel without Any Worry

With a baggage insurance policy, one can travel stress-free as this policy will cover damages or loss of luggage during the trip.

Inclusions under Loss of Baggage & Personal Documents Cover in Travel Insurance

1. The insured person will get coverage for the cost of reissuance of the following documents when lost abroad:

-Passport

-Driving Licence

-Car Licence

-Ration Card

-Voter

-Identity Card

2. Loss of Baggage during the period of travel

3. Loss of essential items like clothes, medicines, etc., during the period of travel

Example: Ms A has arrived in Switzerland from Mumbai, and she has lost her passport. However, as she has a travel insurance policy with loss of baggage and personal documents cover, she will get reimbursement on expenses for reissuance of her passport.

Exclusions under Loss of Baggage & Personal Cover in Travel Insurance

No coverage for any loss of cash, currency notes, travellers cheques, debit/credit cards, jewelry etc.
Any payments made under the Baggage Delay Section are not covered.

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.

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Documents Required for Claim Process

Claim Form (Describe the Loss in Section D is mandatory) duly completed and signed by the Insured.
FIR Report to be obtained from the relevant police authority in the event of loss or theft.
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. If the luggage containing my essential travel documents like my passport gets lost, will I get compensated by the travel insurance company?

Yes, but your travel documents should be in your check-in baggage. If your check-in baggage having your essential documents gets delayed or lost, you will be eligible for compensation by the travel insurance company.

2. Will I get any compensation if I report the loss of my passport to the local police authority after 24 hours?

If you report a loss of personal documents, including a passport, after 24 hours, you will not be eligible for any compensation. Therefore, it is advisable to report the loss of your passport to the local police authority immediately after losing it.

3. How do I claim insurance on lost luggage?

You can place a claim for lost luggage on cashless as well on a reimbursement basis. For cashless claim you will have to intimate claim to travelclaims@hdfcergo.com and get a list of network hospitals from TPA. The documents required for cashless claim will be shared by . You will have to then download digital claim form from HDFC ERGO website. Finally, you will have to send the filled up form along with all documents to medical.services@allianz.com.

4. What Is Covered Under Baggage Insurance Policy?

The insured person will get coverage for the cost of reissuance of various important documents when lost abroad. It includes passport, driving license, ration card, voter and identity card. Apart from this, reimbursement for loss of essential items like clothes, medicines, etc., during the period of travel will also be given.

5. What Do I Need to File a Baggage Loss or Baggage Delay Claim?

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

6. How do I know if I qualify for compensation?

The compensation will be given to the insured person travelling abroad for the goods and valuables present in the bag which get damaged or lost during the trip. Apart from this, the insurer will also give reimbursement for essential items if the baggage gets lost.

7. What should I do if I lost my personal documents while travelling abroad?

You should call on Global Toll-Free No: +800 08250825 or intimate to travelclaims@hdfcergo.com. The insurer will provide reimbursement of expenses on making a duplicate copy of those documents.