HDFC ERGO Overseas Travel Insurance
General Insurance Company Ltd.
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: care@hdfcergo.com
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 Name | Travel Guard | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Age of Entry | 6 months | ||||||||||||
| Maximum age of Entry | 70 years for adults and up to 21 years for 2 dependent children | ||||||||||||
| Renewal Age | Upto 70 Years | ||||||||||||
| Sum Insured | $30,000/ $50,000/ $1,00,000/ $2,00,000/ $5,00,000 (Single Trip) | ||||||||||||
| $15,000/ $30,000/ $50,000/ $2,50,000/ $5,00,000 (Annual Multi trip) | |||||||||||||
| Policy Tenure | Up to 180 days | ||||||||||||
| Family Definition | Individual / Family includes Self, Spouse, and 2 dependent children up to 21 years | ||||||||||||
| Premium Calculated on Basis of | Age, Trip duration, Destination and Sum Insured | ||||||||||||
Product Benefits of HDFC ERGO Overseas Travel Insurance
| Single Trip Plan Benefits | |||||
| Benefits | Titanium | Platinum | Gold | Silver | Bronze |
| Emergency Medical Expenses (EME) | 5,00,000 | 2,00,000 | 1,00,000 | $50,000 | $30,000 |
| Accidental Death - Common Carrier | $5,000 | $5,000 | $5,000 | $3,000 | $3,000 |
| Permanent Disablement - Common Carrier | $5,000 | $5,000 | $5,000 | $3,000 | $3,000 |
| Hospital Cash | 15 per day/Max150 | 15 per day/Max150 | 15 per day/Max150 | 15 per day/Max150 | 15 per day/Max150 |
| Emergency Dental Treatment | $500 | $500 | $500 | $300 | $300 |
| Loss of Baggage and Personal Documents | $250 | $250 | $250 | $250 | $250 |
| Medical Evacuation | Included in EME | Included in EME | Included in EME | Included in EME | Included in EME |
| Repatriation | Included in EME | Included in EME | Included in EME | Included in EME | Included in EME |
| Loss of Checked Baggage | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| Delay of Checked Baggage | $200 | $200 | $200 | $100 | $100 |
| Accidental Death | $25,000 | $20,000 | $15,000 | $10,000 | $10,000 |
| Permanent Disablement | $25,000 | $20,000 | $15,000 | $10,000 | $10,000 |
| Personal Liability | $2,00,000 | $2,00,000 | $1,00,000 | $1,00,000 | $50,000 |
| Financial Emergency Assistance | $1,500 | $1,000 | $700 | $500 | $300 |
| Hijack Distress Allowance | 75 per day/Max 525 | 75 per day/Max 525 | 75 per day/Max 450 | 75 per day/Max 45 | 75 per day/Max 450 |
| Flight Delay | 10 per hrs/Max 120 | 10 per hrs/Max 120 | 10 per hrs/Max 120 | 10 per hrs/Max 120 | 10 per hrs/Max 120 |
| Contingency Travel Benefits | 3,000 | 3,000 | 3,000 | 3,000 | 2,000 |
| Benefits | Annual Multi Trip | Single Trip Asia | Family Floater | ||
| Titanium | Gold | Silver | Bronze | Silver | |
| Emergency Medical Expenses (EME) | 500,000 | 250000 | 30,000 | 15000 | 50,000 |
| Accidental Death - Common Carrier | 5,000 | 5000 | NA | NA | NA |
| Permanent Disablement - Common Carrier | 5,000 | 5000 | NA | NA | NA |
| Hospital Cash | 15 per day/Max150 | 15 per day/Max150 | 10 per day/Max150 | 10 per day/Max150 | 15 per day/Max150 |
| Emergency Dental Treatment | 500 | 500 | 500 | 500 | 200 |
| Loss of Personal Documents | 250 | 250 | 150 | 150 | 200 |
| Medical Evacuation | Included in EME | Included in EME | Included in EME | Included in EME | Included in EME |
| Repatriation | Included in EME | Included in EME | Included in EME | Included in EME | Included in EME |
| Loss of Checked Baggage | 1,000 | 1,000 | 300 | 300 | 400 |
| Delay of Checked Baggage | 200 | 200 | 100 | 100 | 100 |
| Accidental Death | 25,000 | 25,000 | 10,000 | 10,000 | 10,000 |
| Permanent Disablement | 25,000 | 25,000 | 10,000 | 10,000 | 10,000 |
| Personal Liability | 200,000 | 200,000 | 20,000 | 15,000 | 10,000 |
| Financial Emergency Assistance | 1,500 | 1,500 | 300 | 300 | NA |
| Hijack Distress Allowance | 75 per day/Max 525 | 75 per day/Max 525 | 75 per day/Max 525 | 75 per day/Max 525 | 75 per day/Max 525 |
| Flight Delay | 10 per hrs/Max 120 | 10 per hrs/Max 120 | 10 per hrs/Max 120 | 10 per hrs/Max 120 | NA |
| Contingency Travel Benefits | 3000 | 3000 | 2000 | 2000 | NA |
Exclusions for HDFC ERGO Overseas Travel Insurance
The company shall not be liable to pay any benefit to the Insured caused due to:
- Civil War or Foreign War
- Terrorism
- 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 travelclaims@hdfcergo.com
Fax (+91-120-6691600 )