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.
The covers offered by HDFC ERGO General under any travel insurance plan are mentioned as follows-
It includes inpatient, outpatient, and medical, financial assistance, pathological and diagnostic tests and different therapies costs. The policy schedule compasses all the features.
Emergency departure to the resident country is covered under the insurance plan.
In case of demise, the expense of the funeral and repatriating remains from the destination to India is covered by the policy.
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.
Expenses of acute anaesthetic treatment of natural teeth are covered.
Daily allowance as stated in the schedule in the event of hospitalization due to illnesses and accidents is paid.
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.
Compensation provided for permanent loss of checked baggage.
Expenses incurred in replacing lost documents and luggage is reimbursed.
Compensation paid for death or permanent disability due to accidents.
Compensation is paid if the departure of a flight is delayed for more than 12 hours than the original time mentioned in the schedule.
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.
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.
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.
Damages or compensation paid to the third party, caused by injury or damage to health or property, death involuntarily by the insured.
The types of plans under the travel insurance services of HDFC ERGO General Insurance are: -
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.
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.
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.
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.
No medical check-up is required for individuals up to 70 years of age.