HDFC ERGO Travel Insurance – HDFC General Insurance Review, Key Features, Benefits

HDFC ERGO Travel Insurance provides the basic needs of a traveller. It is very useful for the people while travelling. With this policy, we can cover our losses like loss of Baggage, ticket cancellation or any accidents. So to make your journey safe, buy an individual HDFCERGO Travel Insurance policy through online/ Offline. Get the benefits of it and enjoy your trip make your life beautiful with more memories.

HDFC ERGO Travel Insurance

Everyone wants to enjoy their life. There are different ways of enjoying. One of the best ways is Travelling. Some people love travelling with their families or with their friends because it is the best way for relaxation. While travelling, we don’t know what will happen. We can lose our Baggage, passports, etc. This will occur loss to us. To cover this loss, HDFC ERGO Travel Insurance is providing the insurance to us. By taking the policy, one should plan a happy and safe trip.

HDFC ERGO Travel Insurance is the best travel insurance policy adopted by most of the people in times of travelling. HDFC ERGO General Insurance company provides best policies for the policyholders. The individuals can buy the HDFC ERGO Travel Insurance plan to enjoy the features and benefits offered by it. It Provides medical assistance, financial support in the case of unexpected events. Therefore all the people can buy this plan to fill their trip and life with loads of happiness. HDFC ERGO General Insurance company offers three plans. They are

• Individual Travel Insurance
• Family Travel Insurance
• Student Travel Insurance Suraksha

HDFC ERGO Individual Travel Insurance

HDFC ERGO Individual travel insurance is a policy that safeguards you against unforeseen mishaps during your travel and stays abroad. The Travel Insurance plans offer you cashless hospitalisation, instant policy issuance and 24×7 helpline assistance with no medical health check up.

Key Features and Benefits of  HDFC ERGO Individual Travel Insurance:

• Emergency medical expenses – Covers outpatient, inpatient, medical aid, therapies and diagnostic tests costs incurred due to illness or accident.
• Personal Accident – Compensation paid in case of accidental death or permanent total disability.
• Flight delays – Delay in flights or rescheduling of flight is a common scenario during international travel. In case the aircraft is delayed for more than 6 hours then the company reimburses the amount spent on the purchase of meals, refreshments, etc. subject to submission of bills.
• Delay of Checked Baggage – Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to the delay of checked-in baggage for more than 12 hours.
• Loss of baggage & personal documents – Get a cover in case of lost baggage or loss of personal documents such as passport and other relevant documents.
• Personal Liability – Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured.
• Other Benefits – Personal Accident (Common Carrier), Hospital Cash, Emergency Dental Treatment, Medical Evacuation, Repatriation, Loss of Checked Baggage, Financial Emergency Assistance, Hijack Distress Allowance and Contingency Travel Benefit.

Coverages of HDFC ERGO Individual Travel Insurance:

• Convenient and uncomplicated online purchase mechanism.
• Various online travel insurance plans which are dexterously thought over.
• 24×7 assistance, even when you are away from home.
• Maximum coverage at most affordable price.

 HDFC ERGO Individual Travel Insurance Exclusions:

• Civil War or Foreign War.
• Terrorism.
• Self-Inflicted Injury, Suicide.
• Non-adherence to medical advice.
• Under the influence of Liquor, Drugs or Narcotics (Unless advised/administered by a physician).
• Participation in any Sport as a Professional Player.
• Participation in any Criminal Act.
• AIDS or HIV.
• Treatment of Nervous and Mental Problems.
• Participating in hazardous sports like parachuting, hang gliding, bungee jumping, etc.

Eligibility conditions for HDFC ERGO:

• Single Trip Travel Insurance: Anyone from 6 months to 70 years.
• Annual Multi Trip Travel Insurance: Anyone from 18 years to 70 years.
• Single Trip Asia Excluding Japan: Anyone from 6 months to 70 years.

HDFC ERGO Family Travel Insurance

HDFC ERGO Family Travel Insurance is a comprehensive travel insurance specially designed for the family to ensure their financial security in case of any emergency. This insurance will help us to get the mo

Key Features and Benefits of  HDFC ERGO Family Travel Insurance:

• Emergency medical expenses – Covers outpatient, inpatient, medical aid, therapies and diagnostic tests costs incurred due to illness or accident.
• Medical Evacuation – In case your condition is critical, and you are supposed to be airlifted or taken by an ambulance to a better medical facility, the policy will cover all cost incurred during this move.
• Personal Accident – Compensation paid in case of accidental death or permanent total disability.
• Loss of checked baggage – Loss of baggage during transit is a very common problem travellers experience on a regular basis. However, if you are insured under HDFC ERGO’s travel insurance policy, you can get compensation for the permanent loss of checked-in baggage.
• Loss of baggage & personal documents – Get a cover in case of lost baggage or loss of personal documents such as passport and other relevant documents.
• Other Benefits – Emergency Dental Treatment, Loss of Baggage & Personal Documents, Repatriation, Loss of Checked Baggage, Delay of Checked Baggage, Personal Liability and Hijack Distress Allowance

Coverages of HDFC ERGO Family Travel Insurance:

• Convenient and easy to understand online purchase mechanism.
• Maximum coverage at affordable pricing.
• Various online travel insurance plans which are designed as per the growing needs of the customer.
• Even when you are away from home, you have access to 24*7 customer supports.

HDFC ERGO Family Travel Insurance Exclusions:

• When a policyholder is involved in any Wars.
• During the Terrorist attacks.
• If they attempt Self-Inflicted Injury, Suicide.
• Non-adherence to medical advice.
• Under influence of Liquor, Drugs or Narcotics
• Participation in any Sport as a Professional Player.
• When the insured is having any Criminal record.
• Suffering from AIDS or HIV.
• Treatment of Nervous and Mental Problems.
• Participation in hazardous sports

Eligibility conditions for HDFC ERGO:

For self and spouse, the eligibility is 18 to 60 years age. Whereas for a child, it is three months to the age of 21 years (Maximum two children can be covered).

 HDFC ERGO Student Travel Insurance Suraksha

HDFC ERGO Student Suraksha – Student Overseas Travel Insurance is a comprehensive travel insurance specially designed for students to ensure their financial security in case of any emergency. This insurance policy will enable students to study abroad worry-free, whether they lose their passport/baggage or face any medical costs /emergency.

Key Features and Benefits of HDFC ERGO Student Travel Insurance Suraksha:

• Accidental Death: Pays the family of the insured compensation in the case of loss of life in an accident.
• Permanent Disablement: Pays compensation if the person is permanently disabled in an accident.
• Emergency Medical Expenses: Reimburses the insured for medical expenses incurred for an accident or an unexpected sickness.
• Emergency Dental Treatment: Reimburses the insured for emergency dental expenses incurred for an injury or acute pain.
• Loss of Passport: If the passport belonging to the insured is lost, the insured is reimbursed the actual expenses incurred in obtaining a duplicate or fresh passport.
• Loss of Checked Baggage: If baggage, personal documents or personal effects are checked onto a common carrier, the insured is reimbursed the cost of replacement for any damaged or lost articles.
• Delay of Checked Baggage: Provides an amount for emergency purchases on account of delay in baggage.
• Bail Bond: Pays the bail amount for the insured on arrest or detention by police for a bailable offence in the territory of travel.
• Study Interruption: Pays compensation in the event of interruption of study while abroad.
• Sponsor Protection: Pays tuition fees to the insured in the event of accidental death of insured’s sponsor.
• Compassionate Visit: Pays amount incurred to the insured in the event of compassionate Visit by one immediate family member.
• Psychological Coverage: Pays for the treatment of mental and nervous disorders, including alcoholism and drug dependency.
• Treatment for Expectant Mothers: Pays for in-patient medical expenses related to pregnancy after a waiting period of 10 months.
• Screening and Examinations: Pays for cancer screening and mammographic examinations on the recommendation from the physician.
• Childcare Benefit: Pays for hospital cash benefits of childcare

HDFC ERGO Student Travel Insurance Suraksha Coverages:

• Travel insurance for Indian students planning to study abroad or already studying abroad.
• Worldwide cover from 30 days to 2 years period.
• Enjoy 24*7 HDFC ERGO’s international travel assistance support.
• Manage your travel policy online to match your study duration, while abroad.
• No health / medical check-up required.
• Option to include covers like maternity, childcare benefits, cancer screening & mammography examinations and mental & nervous disorders.

Exclusions of HDFC ERGO Student Travel Insurance:

• Any Medical Expenses incurred when the specific purpose of a journey is to receive medical treatment or advice.
• Exclusions Applicable to Bodily Injury or Sickness
• For treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity.
• Any pathological fracture.
• Nuclear Energy risks.
• For investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency.

HDFC ERGO Eligibility Conditions:

• Age Limit – From 16 years to 35 years age.
• Indian students travelling abroad to pursue higher studies.
• The existing Indian students, who are studying abroad can also be covered.