Claim Process - HDFC ERGO General Insurance

  1. Intimation    
  2. Compilation/ Submission of claim file 

How to intimate travel claim with HDFC ERGO General Insurance

HDFC Ergo must be informed Immediate or 7 days after the occurence of event
E-Mail
processing@hdfcergo.com and travelclaims@hdfcergo.com
Claim Helpline
18002700700
Nearest Branch

Details required for Registration/ Intimation of Claim

To register a claim/seek assistance through the above contact points, the following information has to be provided to the customer support executive:-
  • Specification of claim
  • Address
  • Telephone number

Points to Remember

  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.
  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.

The claim file has to be submitted at the below mentioned addresses within 30 days after the date of loss.

The claim file has to be submitted at the below mentioned addresses within 30 days after the date of loss.
Courier Address
HDFC ERGO General Insurance Company Limited, 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri – East, Mumbai- 400 059, India




List of Documents

Accidental Death

  • Attached Claim form (Page 1,2, Section A, Section C ) duly filled & signed by the treating doctor.(Mandatory Document)
  •  Consultation Note OR Emergency Room's doctor medical report OR Relevant Treatment Papers OR Discharge Summary. (Mandatory Document)
  • Copy of the passport showing the date of entry journey from India.
  • All relevant Original Invoices for the expenses incurred.
  •  Receipt OR Any other document suggestive of payment made to the hospital.
  •  Postmortem Report or Coroner’s Report
  •  Death Certificate.
  • •Final police inspection report.
  •  Copy of cancelled cheque

Emergency Medical Expenses

  • Attached Claim form duly completed (Page 1,2,3 with Section B, Section C -mandatory).

  •  Consultation note or Emergency Room's doctor medical report

  •  Relevant treatment papers or Discharge Summary.

  • Copy of the passport showing the date of entry and exit related to journey (to & fro) from India.

  • All relevant Original Invoices for the expenses incurred.

  •  Payment receipt for all invoices OR any other document suggestive of payment made to the hospital.

  • Copy of cancelled cheque

Loss Of Baggage & Personal Documents

  •  Attached Claim form duly completed (Page 1,2,3 with Section A,Section B, Section C -mandatory).

  •  Consultation note or Emergency Room's doctor medical report

  • Relevant treatment papers or Discharge Summary.

  •  Copy of the passport showing the date of entry and exit related to journey (to & fro) from India.

  •  All relevant Original Invoices for the expenses incurred.

  •  Payment receipt for all invoices OR any other document suggestive of payment made to the hospital.

  •  Police FIR report, if applicable

  •  Copy of cancelled cheque

Checked Baggage Loss (Including Baggage Damage)

  •  Attached Claim form (Page 1,2,3 with Section B, Section C -mandatory) duly completed and signed by the claimant
  •  Consultation note or Emergency Room's doctor medical report
  •  Relevant treatment papers or Discharge Summary.
  •  Copy of the passport showing the date of entry and exit related to journey (to & fro) from India.
  •  All relevant Original Invoices for the expenses incurred.
  • Copy of cancelled cheque

Baggage Delay

  • Attached Claim Form (Page 1,2,3 with Section F) duly completed and signed by the Insured.

  •  Original FIR Report to be obtained from the relevant police authority in the event of loss or theft.

  •  Copy of the old passport of the employee, if available. (In case of loss of passport)

  •  For claims involving jewelry, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance.

  • Original embassy receipts OR Passport office Receipts for the replacement of Passport. (In case of loss of passport)

  •  Emergency travel certificate. (In case of loss of passport)

  •  Copy of the new passport. (In case of loss of passport)

  •  Copy of cancelled cheque

  • Please Note: Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.

Trip Cancellation

  • Attached Claim Form (Page 1,2,3 with Section D) duly completed and signed by the Insured.
  •  Original Property Irregularity Report (PIR) from airlines.
  • Claim form submitted to airlines, mentioning the details items lost/damaged, with their respective cost. (Mandatory)
  •  Baggage Loss/Damage Report OR letter from airlines OR any other document from airlines confirming the loss of items.
  •  Copies of Boarding Pass, Ticket and Baggage tags.
  •  Copy of Passport showing the date of entry and exit related to journey (to & fro) from India.
  •  Details of Compensation received from Airlines If Any.
  •  Original Bills/Receipts for the items lost.
  •  Copy of cancelled cheque

Trip Interruption

  •  Claim Form (Page 1,2,3 with Section F – duly completed and signed by the Insured.

  •  Original Property Irregularity Report (PIR) mentioning the date and time of loss.

  •  Letter from airlines mentioning the duration for which baggage delay has taken Place or any other document suggestive of proof of period for which baggage delay has taken place. (Mandatory)

  •  Copies of Boarding Pass, Ticket and Baggage tags.

  •  Copy of Passport showing the date of entry and exit related to journey (to & fro) from India.

  • Details of compensation received from airlines If any.

  • Original Bills/Receipts/Invoices for the necessary emergency purchases of toiletries, medication and clothing that he/she needed to buy during the period of baggage delay.(Mandatory)

  •  Copy of cancelled cheque

  • Please Note: Claim payment can be made only against the receipts for expenses directly resulting from baggage delay.

Loss of Cash

  • Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant

  •  Letter from insured mentioning the reason of trip cancellation with related proof

  •  Proof of travel and accomodation expenses made in advance for the trip

  • Details of refundable amount from the airlines for tavel tickets

  •  Copy of cancelled cheque

  • Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant
  • Letter from insured mentioning the reason of trip cancellation with related proof
  • Proof of travel and accomodation expenses made in advance for the trip
  • Details of refundable amount from the airlines, hotel booked in advance
  •  Copy of cancelled cheque

  • Original/Photo Copy of FIR Report to be obtained from the relevant police authority in the event of loss or theft. This is a written proof confirming that the loss has occurred due to theft.

  • Documentation of Cash withdrawal/Travelers cheques, occurring within seventy-two (72) hours of the commencement of an Insured Journey that supports the amount of the claim.

  •  Details of refundable amount from the airlines for tavel tickets

  •  Copy of the passport showing the date of entry and exit related to journey (to & fro) from India.

  •  Copy of cancelled cheque

Process of Claim

01
The treatment is to be intimated with respective service providers within prescribed timelines.
02
All prescriptions, investigation reports & medicine bills are to be kept handy.
03
The claim file is to be prepared with ref to check list & to be submitted upon return to India.
06
Duly filled claim forms along with all necessary documents are to be submitted within prescribed timelines.
05
Insurer will inform about any deficiency within 7 days.
04
Post receiving of all required info, the claim will be processed within 30 days.
07
If the claim is approved, amount will be transferred within 30 days.
08
If the claim is rejected, letter with details are to be shared with Insured.
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