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HDFC ERGO Overseas Travel Insurance

HDFC ERGO General Insurance Company Ltd. is a 74:26 joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space.

Toll Free - 1800 2 700 700 Fax - 91-22-6638 3699 Email: [email protected]

HDFC ERGO Overseas travel insurance is a policy that safeguards you against unforeseen mishaps during your travel and stay abroad. The Travel Insurance plans offers you cashless hospitalization, instant policy issuance and 24x7 helpline assistance with no medical health check up.

Unique Features of HDFC ERGO Overseas Travel Insurance

Cashless claim settlement in network hospitals

24X7 toll-free assistance when abroad

No health check-up

Evacuation to the home country is covered up to the medical sum insured chosen

Optimum coverage at low costs

Eligibility Criteria for HDFC ERGO Overseas Travel Insurance

Product benefits of hdfc ergo overseas travel insurance, exclusions for hdfc ergo overseas travel insurance.

• Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining treatment.
• Any Pre-existing Condition or any complication arising from it
• While under the influence of liquor or drugs.
• Through deliberate or intentional, unlawful or criminal act, error, or omission.
• Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
• Any pre-existing injury or condition
• Pregnancy except from ectopic pregnancy
• Racing on wheels or horseback, winter sports, canoeing in white water rapids and bodily contact sports
• Treatment rendered by a doctor who shares the same residence as the insured or who is a member of the insured persons family
• Mental illness, stress, psychiatric or psychological disorders

The company shall not be liable to pay any benefit to the Insured caused due to:

• Civil War or Foreign War
• Self Inflicted Injury, Suicide
• Non adherence to medical advice
• Under 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.

Please refer the policy wordings for detailed list of exclusions.

Claim Process for HDFC ERGO Overseas Travel Insurance

Service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.

Service Provider details

International Toll Free +800 08250825 India 01204507250 (Chargeable) Email [email protected] Fax (+91-120-6691600 )

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HDFC Ergo Travel Insurance Review

When you are traveling overseas, there is a need of a reliable companion in the form of a travel insurance plan to take care of any unfortunate event that might take place in a strange land. With luggage being regularly lost by airlines, thefts occurring in every country and even unexpected medical emergencies bringing holidays to a grinding halt, an overseas travel insurance plan is the only way to stay protected from the impact of such mishaps.

HDFC Ergo travel insurance is the product of a joint venture between HDFC Limited and Ergo International AG, in which HDFC Limited is the major holder with 74 percent stake. HDFC Ergo travel insurance plan is available in a lot of variants, offering the best suited product for every type of traveler. Let us take a look at the various features that makes HDFC Ergo Travel Insurance desirable.

Tip: Don't forget insurance. Check out the best plans here.

Also Read: Best Travel Insurance for Pre-Existing Conditions

Key Features of HDFC Ergo Travel Insurance

• Variety in Plans: HDFC Ergo’s travel plans can be bought by individuals, families and students , which can be bought online. The insurance provides coverage for single trip, multiple trips and trips to Asia. HDFC Ergo Travel Insurance has a Family Floater Plan that gives you the option to choose from various sum insured options. It also offers the option to extend or modify your travel dates online.
• Easy Eligibility: To be eligible for the single trip plan, the applicant should be an Indian citizen of aged anywhere between 6 months and 70 years, whereas for annual multi trip the age bracket has been kept between 18 years to 70 years. Unlike other travel insurance plan, there is no need to undergo a medical examination to buy this travel plan.
• Duration : HDFC Ergo’s travel insurance provides coverage to travel trips which could be as short as 1- 4 days.
• Maximum Inclusions: These plans cover a buffet of expenses that a person could incur during overseas travel, some of which are:
• Coverage against all kinds of medical expenses incurred due to a certain illness, accidents, covering all in-patient, outpatient, diagnostic tests, therapies and other related expenses.
• Compensation in the event of the permanent total disability and unfortunate demise of the insurance buyer due to an accident .
• Compensation for flight delays for more than 12 hours of the scheduled departure time.
• Compensation for the loss or delay of checked baggage or loss of personal documents.
• If the buyer faces a legal liability due to the property damage or injury caused to a third party during the travel period, they can be compensated with HDFC Ergo travel insurance.
• Minimum Exclusions: The insurance company makes it clear that it will not pay for any expenses caused due to a Self Inflicted Injury or suicide, terrorism, civil war or foreign war and more. Visit their website to get the full list of exclusion.
• Fast Claim Settlement: HDFC assures claim settlement for minor accidents or thefts within 3 days, and 7 days for all the other cases.

Also read: Where to buy Travel Insurance from

Overall, HDFC Ergo Travel Insurance is a good product to opt for. If you are looking for tips on choosing the best travel insurance plans , check out this article .

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HDFC ERGO Travel Insurance – Benefits, Coverage, Reviews & More

HDFC Ergo General Insurance Company is a joint venture between some of the leading names in the financial sector. The company is jointly owned by HDFC Limited and ERGO International AG. HDFC Limited is a housing finance company which is quite reputed in India and ERGO international AG is the insurance component of the Munich Re Group. Thus, both the companies have tremendous expertise in insurance and finance as a result of which HDFC Ergo offers various attractive general insurance policies. Travel insurance policies are also offered by the company which provides coverage when you are travelling.

Let’s understand HDFC Ergo travel insurance plans in detail.

Why choose HDFC Ergo travel insurance?

HDFC Ergo travel insurance plans have a definite edge over other policies because of the following reasons

• HDFC Ergo enjoys the trust of more than 1 crore individuals and is, therefore, a trusted and a reputed company
• The company provides its customers with 24*7 support for any type of query or feedback that they might have
• HDFC Ergo travel insurance offer you the benefit of paying premiums per day of travel ensuring that you do not pay additional premiums
• No pre-entrance medical check-ups are needed to buy HDFC Ergo travel insurance plans
• You can buy any HDFC Ergo travel insurance policy online without getting involved in unnecessary paperwork. HDFC Ergo provides complete online assistance when it comes to buying travel insurance policies
• The company has an in-house claim settlement department which makes it easier and convenient for you to get settlement of your travel insurance claims
• In case of medical contingencies faced when travelling, you can avail cashless treatments at across more than 8 lakhs hospitals over the world which are tied-up with HDFC Ergo

Types of HDFC Ergo travel insurance plans

HDFC Ergo offers a range of travel insurance policies for different types of trips that you might undertake. The list of HDFC Ergo travel insurance plans is, therefore, as follows

• HDFC ERGO Individual travel insurance plan

This policy covers a single individual travelling to another destination. The policy has the following features

• There are destination specific individual travel insurance policies. These policies are Asia plan, Schengen countries plan, worldwide plan excluding USA and Canada and worldwide plan including USA and Canada
• You can buy a single trip policy or an annual multi trip policy covering multiple trips taken during a year
• Foreign nationals who are working in India and drawing their salary in INR can be covered under the policy
• Even foreign individuals who are living in India can be covered
• There are four plan variants of Silver, Gold, Platinum and Titanium under single trip plan

Coverage benefits under HDFC ERGO Individual Travel Insurance Plan

Coverage under individual travel insurance plans is provided for the following

• Cashless treatments at networked hospital in case of medical emergencies
• Emergency dental treatments necessitated due to an injury or accident
• Medical evacuation to the nearest hospital for treatments
• A daily cash allowance if you are admitted to the hospital for 24 hours or more
• Repatriation of the dead body back to the resident country in case of death
• Coverage against accidental death
• Coverage against permanent disability
• Loss of baggage and personal documents
• Delay or loss of checked-in-baggage
• Coverage against liability faced in case of third party damages in a foreign country
• Emergency cash assistance in case of theft or robbery
• lAllowance for hijack of your flight
• Coverage for flight delay
• Coverage for extension of hotel stay due to unavoidable circumstances

Exclusions under HDFC ERGO Individual Travel Insurance Plan

Though individual travel insurance plans provide a comprehensive list of coverage features, the following would not be covered under the policy

• Medical contingency suffered due to criminal acts
• Medical emergency suffered due to alcohol consumption, drug usage or use of any other intoxicating substance
• Any treatments which are caused due to pre-existing illnesses
• Any type of cosmetic treatment or treatment related to weight management
• Medical emergencies suffered due to suicide, attempted suicide and self-inflicted injuries
• Injuries suffered due to participation in adventure sports or hazardous activities

Eligibility criteria of HDFC ERGO Individual Travel Insurance Plan

• HDFC ERGO Family Travel Insurance Plan

A family travel insurance policy covers you along with your family members under the same plan. The features of the plan are as follows –

• All travelling family members are covered under a single travel insurance policy which includes self, spouse and up to two dependent children
• You can choose an annual multi trip policy for the whole family if you take regular trips. Alternatively, you can also choose a single trip policy covering one specific trip which you undertake with your family
• There are four coverage variants and the sum insured and coverage benefits vary across each variant
• In case of business professionals, their spouse and dependent children can be covered under the policy

Coverage under HDFC ERGO Family Travel Insurance Plan

Family travel insurance plan covers both medical as well as non-medical emergencies suffered by any family member while on the trip. The plan allows coverage for the following instances

• Medical treatments due to an emergency
• Medical evacuation
• Costs incurred in undergoing an emergency dental treatment due to an injury suffered
• Hospital cash allowance benefit if you are hospitalised for a period of 24 hours or more. This benefit is paid per day of hospitalisation
• Repatriation of mortal remains if the insured member dies on the trip
• A lump sum benefit is payable in case of accidental death or permanent disablement suffered by any insured member
• If you or your family members cause any third party damage, the liability that you face would be covered under the policy
• Loss or delay of your checked-in-baggage
• Loss of personal belongings and important documents while on the trip
• Hijack distress allowance on a per day basis if your flight is hijacked

Exclusions under HDFC ERGO Family Travel Insurance Plan

The following are instances which are not covered under a family travel insurance policy

• Any act which breaches the law
• Any contingency suffered due to alcohol or substance abuse
• Contingency suffered due to participation in adventure sports
• Cosmetic treatments
• Any type of obesity related treatments
• Attempted suicides and self-inflicted injuries
• Illnesses which occur due to pre-existing diseases or conditions

Eligibility criteria of HDFC ERGO Family Travel Insurance Plan

• HDFC ERGO Student Travel Insurance Plan

A student travel insurance policy is specifically designed for students who go abroad for higher studies. These policies have coverage benefits which are needed by students. The salient features of the student travel insurance plan offered by HDFC Ergo are as follows

• There are two types of policies offered under this category – worldwide excluding USA and Canada and worldwide coverage
• The scope of coverage is quite extensive and the premiums are also affordable
• Resident Indian students can buy this policy if they are going abroad for higher education
• There are five plan variants of Standard, Bronze, Silver, Gold and Platinum
• Add-on covers are also available under the plan at an additional premium

Coverage features of HDFC ERGO Student Travel Insurance Plan

HDFC Ergo student travel insurance plans have the following coverage benefits

• Cashless treatments at networked hospitals in case of emergency medical contingencies
• Coverage against dental treatments required in case of injuries
• Medical evacuation by air or surface to the nearest hospital for treatments
• Repatriation of the dead body in case of death of the student
• Coverage against accidental death and permanent disability suffered abroad
• Delay in receiving the checked-in-baggage or loss of the baggage altogether
• Personal liability faced due to any third party damage caused by the student
• Coverage against bail money if the student is imprisoned abroad
• Coverage against study interruption if the student falls sick which results in a prolonged hospital stay of is an immediate family member dies. In such cases, the tuition fee is paid as compensation
• Payment of tuition fee if the sponsor of the student dies and the student is unable to meet the education costs
• Coverage for compassionate visit of a family member if the student falls sick abroad. The cost of return fare tickets is paid as claims
• Coverage for getting a new passport in case of loss of the earlier one

Additional coverage features of HDFC ERGO Student Travel Insurance Plan

By paying an additional premium, you can avail coverage for the following instances too

• Medical expenses incurred on an inpatient basis due to pregnancy
• Treatment costs incurred for treating mental disorders, nervous disorders, drug dependency and alcohol addiction
• Costs of cancer screening and mammography exams
• Daily allowance payable for child care benefits for up to 7 days

Exclusions under HDFC ERGO Student Travel Insurance Plan

A student travel insurance plan offered by HDFC Ergo excludes the following instances of claims

• Self-inflicted injuries, suicides or attempted suicides
• Acts of criminal nature and their consequences
• Claims arising due to alcohol or drug abuse cases
• Pre-existing illnesses and their complications are not covered
• If the student participates in any hazardous activities or adventure sports, any resulting emergencies would not be covered
• Cosmetic and weight management treatments are not covered
• Pregnancy expenses would be covered only after a waiting period of 10 months

Eligibility criteria of HDFC ERGO Student Travel Insurance Plan

• Frequent Flyers Insurance Plan

This is an annual multi-trip policy which is suitable for individuals who travel frequently during a year for their work related needs. The features of the policy are as follows –

• You can avail cashless treatments at a vast network of hospitals all around the world as they are tied-up with HDFC Ergo
• Unlimited number of trips are covered under the policy and one trip should not exceed 45 days
• The plan has two coverage variants of Gold and Platinum

Coverage under frequent flyers insurance plan

The frequent flyers insurance policy covers the following types of claims

• Medical emergencies suffered while on the trip
• Emergency medical evacuation
• Emergency dental treatments due to an injury
• Daily cash allowance benefit in case of hospitalisation
• Medical repatriation and repatriation of mortal remains
• Accidental death and disablement
• Loss of baggage
• Loss of personal documents
• Delay of checked-in-baggage
• Loss of checked-in-baggage
• Personal liability for causing any third party damage
• Emergency financial assistance due to loss of funds to theft, robbery or dacoity
• Hijack distress allowance if the flight is hijacked
• Hotel accommodation in case of extension of the trip due to unavoidable circumstances
• Delay of flight and the consequences thereof

Exclusions under frequent flyers insurance plan

The frequent flyers insurance policy does not cover the following types of claims –

• Claims made for pre-existing illnesses
• Claims made for any activity which is illegal and criminal in nature
• Claims suffered because of being under the influence of alcohol and/or drugs
• Any type of cosmetic and obesity related treatments which are not medically necessary
• Claims suffered because of participation in adventure sports
• Claims suffered due to self-inflicted injuries or suicides

Eligibility criteria of frequent flyers plan

How to buy HDFC Ergo Travel Insurance plans?

You have various options to buy HDFC Ergo travel insurance plans. These options are as follows

• Through HDFC Ergo’s branch HDFC Ergo General Insurance Company has a widespread network of branches all over India. You can locate the branch office of the company in your city and visit the nearest branch to buy the policy. Visit the branch, avail an application form, fill up the form and submit it with your documents and premium amount. The application process would be done. The company would, then, assess your application and issue the policy at the earliest.
• Through HDFC Ergo’s insurance agent HDFC Ergo also has a network of insurance intermediaries who sell the company’s policies. You can find and approach an agent of the company and apply for HDFC Ergo travel insurance plans from him/her. An application form would have to be filled and submitted along with your documents and premium amount. The agent would submit your application to the company and HDFC Ergo would, then, assess your application. If everything is in order, the policy would be issued at the earliest.
• Through the company’s website Applying for HDFC Ergo travel insurance plans online is perhaps the most convenient mode of buying. HDFC Ergo allows online issuance of its travel insurance policies and so you can apply for a suitable travel insurance policy online from the company’s website. To apply, visit https://www.hdfcergo.com/travel-insurance and choose the most suitable policy depending on the type of trip you are undertaking. Fill in the online application form stating your details and the details of the trip. Pay the premium online and the policy would be issued in an instant.

Documents required for buying HDFC Ergo travel insurance plans

To buy HDFC Ergo travel insurance plans, the following documents would be needed –

• Proposal form/application form
• Identity proof of the insured members
• Age proof of insured members
• Travel tickets
• Travel Visa
• Any other document as required by the insurance company

How to renew HDFC Ergo travel insurance plans?

If you want to renew your policy, you can visit the company’s website and renew the policy instantly online. Just provide your policy details and pay the renewal premium and your policy would be renewed at the earliest.

How to make a claim under HDFC Ergo travel insurance plans?

As mentioned earlier, HDFC Ergo has an in-house claim settlement team for its travel insurance claims. Thus, in case of a claim, you simply have to inform the company of your claim and the company would guide you with the next steps which should be taken. To inform the company you can choose any of the following options

• Send an email to the company at [email protected]
• Call the international toll-free number of the company +800 0825 0825 and inform the company of the claim
• Call on the landline of the company at +91 120 4507250. This call would be chargeable as per international call rates

After informing the company, you would be told of the next steps to be followed. Take the specified steps, fill up a claim form and submit the form with the relevant documents to get a settlement of your claim.

Documents required for claims

For your claim to be settled, the following documents would have to be submitted

• Identity proof
• In case of a medical claim – all medical bills and reports
• Other claims – proof of claims

Is it possible to extend the coverage duration if the trip is extended?

Yes, HDFC Ergo travel insurance plans allow extension of your coverage if the trip duration extends due to unavoidable situations. You can extend your coverage for up to 360 days by requesting the company for an extension. An additional premium would have to be paid for such an extension.

When does a travel insurance plan expire?

A travel insurance plan has a coverage duration which is equal to the duration of the trip. Once the coverage duration is over, the plan would expire.

Can I change the travel dates after buying HDFC Ergo travel insurance policy?

Yes, the travel dates can be changed after you have bought an HDFC Ergo travel insurance policy but if the trip has not already started.

Will I get a refund if I come back early from the trip?

No premium refund is allowed if you cut short your trip and come back to the origin country.

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Policy Cancellation & Refund

Policy cancellation and refund of the premium shall be as per the terms & conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to contact the toll free number of your Insurance Company or refer the respective section of your Policy terms and conditions. You can also call us at our toll free number 1800-266-0101 or write a mail to us at [email protected] . We shall be available to guide/assist you.

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Advantages of incoming insurance

• 24-hour emergency call service: at your side worldwide in over 12 languages
• Simple processing: fast and uncomplicated services in an emergency
• Recognized for a Schengen visa: meets the minimum legal requirements

As a foreign guest, you are comprehensively covered with incoming insurance for your trip to Germany or another host country.

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• HDFC Ergo Travel

HDFC ERGO Travel Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. Headquartered in Mumbai, HDFC Ergo currently operated across India through 120+ branches in 106 cities with 3000+ employees.

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The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. They have been assigned 'iAAA' rating by ICRA indicating its highest claim paying ability as well as have an ISO certification for their claim services, policy issuance, customer servicing and standardization and uniformity of Information Security processes being followed across all branches & locations. In Travel insurance, HDFC Ergo initially catered to the Corporate Travel insurance market offering customised solutions to small, medium and large corporates under their Group insurance programs and now have entered the Retail Travel Insurance space and offer comprehensive Travel insurance solutions to the India traveller. Going with their strong brand name, prompt claims servicing, HDFC Ergo have started becoming a strong player in the Retail Travel insurance space for the past few years.

HDFC ERGO Travel Insurance review

USD 30,000 to 5,00,000

Policy Wordings

How can one Buy a HDFC Ergo Health Insurance policy?

• Step 1 - Visit HDFC Ergo Compare health insurance to review and compare policy benefits, coverage and premium details online
• Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
• Step 3 - Fill the HDFC Ergo online Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
• Step 4 – If this is a Straight through proposal, the premium remitted online will be transferred directly to the insurance company, and the policy will be issued, dispatched and will reach you in 7 working days
• Step 5 – For Non Straight through cases, HDFC Ergo will process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy tests at designated diagnostic centers or they may just levy a loading based on the health report
• Step 6 - If the proposal is accepted, the same will be issued accordingly
• Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form in the prescribed Turn around time.

Insured’s Eligibility Criteria for HDFC Ergo’s Travel Plans

• Insured above 70 years to submit medical reports irrespective of trip band (Disease mentioned in the report to be excluded)
• Foreign nationals employed in India and earning salary in Indian Rupees can be covered under HDFC Ergo plans
• Foreign nationals domiciled in India are also eligible to purchase HDFC Ergo’s Travel policies.
• Family Floater Plan coverages are only for countries Excluding USA & Canada
• Single Trip Plans
• Annual Multi Trip Plans
• Asia Plan (excluding Japan)
• Family Floater Plan (excluding USA / Canada)
• Student Suraksha Plan

HDFC Ergo Travel Insurance Overview

Countries covered in hdfc ergo travel insurance, what does hdfc ergo single trip travel insurance cover, what does hdfc ergo asia travel plan cover, what does hdfc ergo student suraksha student insurance plan cover, description of the benefits under the hdfc ergo’s travel insurance plans.

• Actual expenses incurred for Out Patient Treatment, Hospitalization Expenses for any illness or injury sustained while abroad.
• Medical Evacuation to a nearby location or to India due to a lack of medical facilities available subject to obtaining prior approval from insurer’s end for further treatment.
• Repatriation of Remains is the expenses incurred to transport the mortal remains of the insured back to India.
• Dental Expenses Coverage for actual expenses incurred resulting from sickness or accident to the teeth of the insured sustained during a Trip abroad.
• Accidental Death / Permanent Total Disability This is a compensation paid to the insured’s nominee in the even of unfortunate demise of the insured as a result of an accident while abroad. Similarly if the insured is in an accident resulting in a Permanent Total Disability, compensation is payable to the insured.
• Hospital Cash Pays a daily allowance for hospitalization due to accident or sickness.
• Loss of Baggage / Loss of Personal Documents This benefit will reimburse the insured person the cost of replacement articles for any damaged or lost articles due to the loss of baggage / personal documents in the custody of the common carrier.
• Loss of Passport In the event that the passport belonging to the Insured is lost, the Insured is reimbursed for actual expenses incurred in obtaining a duplicate or fresh passport abroad.
• Delay of Checked Baggage This benefit pays for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours
• Contingency Travel Benefits It pays for hotel accommodation for the insured if bodily injury or sickness results in hospitalization for more than 5 days and misses his/her scheduled flight back to the country of residence
• Personal Liability In the event of the Insured Person becoming legally liable to a Third Party, for an incident which results in death, injury of such a third party or damage to his/ her properties, caused involuntarily by the insured, the company will compensate the Insured person.
• Financial Emergency Assistance The insurance company will provide assistance to the insured person in case they require cash following incidents like theft, robbery, mugging or dacoity whilst on a trip abroad and covered under policy.
• Flight Delay Compensation paid to the insured for purchase of meals, refreshments etc due to the delay of a covered flight.

Frequently Asked Questions (FAQ’s regarding HDFC Ergo Travel plans)

Now that i have selected individual travel insurance plan, which sum insured should i opt for.

The Sum insured opted for by the insured should be based on Destination of Travel, Duration of Travel and age of the insured. It is advisable to buy a plan with higher sum insureds if you are traveling to developed markets like USA, Europe, UK, Australia etc.

I want my parent(s) to visit me. Can I be their proposer and purchase the policy?

Certainly. You can buy travel insurance policy for your parents on Individual Sum Insured basis or on floater basis as you deem right

Can I purchase travel insurance policy for my minor child, who will visit me during the holidays? Can I purchase a policy for someone who is unrelated to me?

Yes, the insured can purchase the policy for his/her minor child by providing the necessary information online while buying the policy. However they should not purchase the policy for anyone who is not an immediate family member to the insured.

I suffer from Hypertension / Diabetes. Can I buy travel insurance policy?

Yes you can buy travel insurance in case you are an hypertensive /diabetic. Just declare the same. However, in case of medical emergency, you will be covered for all expenses excluding those for your Pre-existing Disease.

What is a deductible?

The Deductible is the amount that the insured has to bear first in all claims and is deducted from the payable claim amount. This is a fixed amount irrespective of the amount of the claim. IF the claim amount is less than the deductible stated on the policy, then the insured will not be eligible for any reimbursement.

Are there any sublimits in the travel insurance policy?

Sublimits are applicable for only those over 61 years. The same is specified in the policy schedule. Kindly go through the same once you have purchased your policy.

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How to buy online.

You can buy insurance online by using a credit/debit card, UPI, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy HDFC Ergo travel medical insurance after approval.

Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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In case of a claim or reimbursement of treatment expenses, notify HDFC Ergo by contacting them.

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International Student Travel Insurance

Studying abroad is a dream come true for many students as it opens millions of opportunities for them to explore and carve a niche in their careers. It is a life-changing decision and brings many expectations, fun and lessons for life. However, leaving one’s family and friends behind and living in a faraway land for the sake of your career isn’t easy. With all the joys and jubilation comes a decent amount of risk, like medical emergency, study disruption, loss of documents or other unfortunate events. This is why getting a student travel insurance policy is essential to secure your stay if you are planning to study abroad. If you wish to go for a short stay to the country where you plan to study, get International travel insurance to ensure you are geared up to face any challenge that might disrupt your stay.

Once you have decided on the country and the university of your choice, select the right student travel insurance policy to give you the requisite support during your stay. HDFC ERGO offers Student Overseas Travel Insurance Plan, which seamlessly covers medical expenses, stay disruption, baggage-related and travel-related risks.

Wherever you choose to pursue your overseas education, we will cover you!

What’s included medical related coverage.

Being a student in a foreign land, sudden sickness or injury may take a toll on your finances, with our insurance we provide cashless medical treatment in case of hospitalisation.

Maintain that smile as we reimburse for dental expenses in case of injury or acute pain.

We will literally get you out of distressing situations with emergency medical evacuation via air/surface to the nearest hospital.

In case of death, we’ll bear the cost to transfer the mortal remains to the home country.

We will pay you a lump sum amount in case of an unfortunate accidental event leading to the death.

While we cannot compensate for your loss, we promise to help by compensating in case of permanent disability in an accident.

If an unfortunate accident causes permanent disability, we’ll provide a lump-sum compensation to make things a little easier for you.

What’s Covered?

Baggage-related coverage.

Don’t let lost luggage slow you down as you embark upon a new journey in life. Let us compensate for the loss.

Kick start your classes even without your luggage with funds for emergency purchases in case of baggage delay.

Stay-related

In a foreign land, if you are accidentally liable for any third party damage, we will compensate you for the same.

We would help you out of a legal difficulty by paying the bail amount on arrest/detention for a bailable offense.

Refund of tuition fees in case your study gets interrupted due to prolonged hospitalisation or death of immediate family member/sponsor.

Your guardian became an angel? We’ll pay tuition fees in the event of accidental death of your sponsor.

Nothing better than a familiar face in a foreign country. Any immediate family member’s visit is on us in case you are hospitalized for more than 7 days.

Fret not! We’ll reimburse you for a new one.

What’s Not Included?

Any sickness or health issues caused to due to war related injury, or a breach of the law.

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

If you’re suffering from a disease travelling or undergo treatment for an illness which already exists, we do not cover it.

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

Any injury caused due to an adventure sport remains uncovered.

International Travel Insurance for Most Visited Countries

Secured Over 1 Crore+ Smiles!

All the support you need 24x7

Pay only for the days you travel

Say Good Bye to Medical Check-ups

Go Paperless!

All the support you need 24 x 7

Our customers have rated us with 4.2/5 Stars

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Terms and Conditions Applied. © HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. HDFC Ltd. and HDFC Bank merger stands concluded, effective 1st July, 2023. HDFC ERGO General Insurance Company Limited is now a subsidiary of the Bank.

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