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Travel Insurance

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HDFC Ergo Travel Insurance Plans

HDFC Ergo Travel Insurance Company

HDFC ERGO General Insurance is the insurance arm of HDFC Limited and ERGO International Ag, a German enterprise. HDFC Bank is the second largest private sector bank in terms of lending.

It is a joint venture of 74:26 with HDFC Limited as the major stakeholder. This venture has cemented its presence in over 89 cities with more than 109 branches all over India.

The company’s claim paying ability is impressively high. It was assigned with a rating of iAAA by ICRA.

Travel insurance is of utmost essentiality, particularly for masses that travel frequently. It is not always an adventurous and pleasant move. A number of things can turn wrong, resultantly turning your leisure into disaster. It is always a wise move to be proactive, especially when you are planning to remain outside your bubble for a while.

Hence, guard yourself and your family against the ugly mishaps of traveling with HDFC Ergo’s all-encompassing travel insurance services.

Key Advantages & Features of the Travel Insurance Arm of HDFC ERGO

Key Highlights

  • Variety of plans across different geographical locations. Also, includes Schengen countries.
  • Also, available plans which can fit any length of trips and your needs.
  • One can avail and subscribe the plans within three easy steps online, from the convenience of one’s abode.
  • Plans offered by HDFC ERGO at impressively affordable prices, extending maximum possible coverage.
  • The company offers 24*7 incessant assistance and support, particularly for overseas travelers.
  • The assured can also manage his travel period with his policy’s period to acquire maximum assurance and benefits.


Emergency Medical Expenses

It includes inpatient, outpatient, and medical, financial assistance, pathological and diagnostic tests and different therapies costs. The policy schedule compasses all the features.

Emergency Evacuation due to Medical Causes

Emergency departure to the resident country is covered under the insurance plan.

Hijack Distress Expenses

In situations of the hijack of air or sea common carriers, international travel insurance is provided in which the insured is paid an allowance each day of the hijack up to the limits specified in the schedule if he is traveling abroad during the periods of insurance.

Complete Permanent Disability and Accidental Death

In addition to the sum assured under Personal Accident category, the company will also pay the sum insured in the agenda if the individual insured receives Bodily Accidental injury during the journey course while commuting via a common carrier like trams, aircraft, bus, and rail.

Dental Expenses

Expenses of acute anaesthetic treatment of natural teeth are covered.

Hospital Cash

Daily allowance as stated in the schedule in the event of hospitalization due to illnesses and accidents is paid.

Repatriation of Remains

In case of demise, the expense of the funeral and repatriating remains from the destination to India is covered by the policy.

Loss of Checked Baggage

Compensation provided for permanent loss of checked baggage.

Loss of Baggage and Personal Documents

Expenses incurred in replacing lost documents and luggage is reimbursed.

Personal Accident

Compensation paid for death or permanent disability due to accidents.

Delay of Flights

Compensation is paid if the departure of a flight is delayed for more than 12 hours than the original time mentioned in the schedule.

Delay of Checked Baggage

Rational and reasonable expenses are reimbursed for the purchase of necessities like toiletries, clothing and medication due to the delay of checked-in baggage for more than 12 hours.

Emergency Assistance for Financial Issues

The occurrence of financial emergencies due to pilferage, theft, dacoity, robbery, etc. of travel funds is covered under the International Travel Insurance Plan. A fixed amount of money is paid up to the limits specified in the policy schedule.

Contingency Travel Benefits

Pays for expenses of extended hotel accommodation if the insured is forced to stretch his stay than planned due to bodily injuries and sickness which cause him or her to get hospitalized and miss the flight on scheduled time.

Personal Liability

Damages or compensation paid to the third party, caused by injury or damage to health or property, death involuntarily by the insured.

HDFC ERGO General Insurance Company Limited - Past Performance

  • The profits after tax of HDFC ERGO for the financial year ended 31st March 2016 is INR 200.5 crores.
  • The amount of claims paid amounted to INR 21,827,005.

Types of Products under the Travel Insurance Plan of HDFC ERGO General Insurance Company Limited

The types of plans under the travel insurance services of HDFC ERGO General Insurance are: -

Individual Travel Insurance

Full coverage and benefits offered by HDFC ERGO under individual travel insurance plan which can help you in enjoying your lone and solo adventure. Along with detailed itinerary, travel tickets, documents, tour guide, etc., travel insurance is a must for a safe and secure foreign trip so that you do not run into travel hassles and ugly phases which can mar your dream holiday.

Family Travel Insurance

The month-long planned and utterly awaited trip for your family can be ruined due to unforeseen travel hazards. HDFC ERGO offers a comprehensive package which will suit your safeguard travel needs for traveling overseas.

Student Travel Insurance

A mighty change for a 20 something youngster is to move to a different country for academic reasons. Do not add up to the overwhelming situation by traveling uninsured. Loss of money or documents or essential luggage can land your kid in a big fix. Make sure to keep the on-start of your child’s future positive in a new environment by safeguarding him with HDFC ERGO’s Student Travel Insurance.

Product Plans Details under the Travel Insurance Service of the Company

Key Exclusions of Different Product Plans

  • Terminal illnesses like AIDS or HIV.
  • Nervous illnesses and mental disorders.
  • Damages caused due to non-compliance with the medical advice.
  • Self-inflicted harm or injury.
  • Foreign wars and civil disturbances.
  • Terrorist activities
  • Damages caused under the influence of recreational drugs and alcohol.
  • Criminal activities
  • Participation in dangerous sports like hand gliding, bungee jumping, parachuting, etc.

Sum Assured

Sum assured under student travel insurance package are: - $500,000, $250,000, $100,000 and $50,000 under Platinum, Gold, Silver and Bronze packages respectively.

Eligible Length of the Trips

  • Policies are offered for trips lasting for a time period as short as 1 to 4 days.
  • Plans for single trips (worldwide) and excluding USA/Canada, excluding Japan and family floater single trip plans (excluding USA/Canada) allow you to extend your policy for maximum 180 days, 30 days and 60 days respectively. In the same order, the policy periods of the plans mentioned above must not exceed 360, 60 and 120 days respectively.

Eligible Age

  • Minimum entry age for a single trip is six months, and maximum entry age is 70 years.
  • For annual multi-trip minimum entry age is 18 years and the maximum is 70 years.
  • Single trip anywhere in Asia except Japan allows minimum entry age for insured as six months and 70 years as the maximum age bar.
  • For family floater, the age limit of primary policy holder is up to 60 years.
  • 60 years of age bar is set for insured’s spouse.
  • For insured’s children, maximum two kids can be insured, and the age scale for the same is three months to 21 years.

Medical Checkup Requirement

No medical check-up is required for individuals up to 70 years of age.