HDFC ERGO Travel Insurance

Exclusions

• 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.

Additional Benefits

• Range of plans: A wide range of plans that offer coverage for individuals from the age of 6 months to 70 years are available.
• Assistance: If you need to make international travel claims, emergency assistance will be available to you on call 24x7.
• Online Policy: Instant Online Policy Issuance is also available to you for the HDFC ERGO Travel Insurance.
• Medical Procedures: Absolutely no medical procedures or health checkups are required to avail of the HDFC ERGO Travel Insurance.
• Cashless hospitalization and claims: If you need to make a claim in an unfortunate circumstance while travelling, you can avail the benefits of uncomplicated cashless hospitalization. As a part of our claims procedure, our International Service Provider will provide cashless claims service.
• 1,00,000+ cashless hospitals worldwide
• Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests
• Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests
• Repatriation of remains: Covers the expenses incurred in moving the insured person to his/her country of residence
• Emergency dental expenses: Covers non aesthetic treatment of natural teeth.
• Hospital cash: Pays a daily allowance in the event of hospitalization either due to sickness or an accident, as stated in the policy schedule.
• Accidental death and permanent total disability - Common Carrier: Pays the sum insured specified in the schedule in addition to the sum insured specified under the Personal Accident Section, if the insured sustains Accidental Bodily Injury during the course of the journey while travelling in a common carrier such as rail, bus, or aircraft; and such bodily injury results in death or permanent total disability.
• Personal accident: Pays compensation in case of death or permanent total disability caused due to an accident.
• Flight delay: Pays compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time for purchase of meals, refreshments.
• Loss of Baggage and Personal Documents: Pays actual cost of replacing lost document (inclusive of passport) and belongings.
• Loss of checked-in baggage: Pays compensation for the permanent loss of checked-in baggage.
• Delay of checked-in baggage: Pays compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours.
• Personal Liability: Pays compensation for damages to a third party, resulting from death, injury or damage to his/her health or property caused involuntarily by the insured.
• Financial Emergency Assistance: Assistance provided where in the insured loses all or substantial amount of his / her travel funds due to theft, pilferage, robbery or dacoity
• Contingency Travel Benefits: Pays for the cost of hotel accommodation, if the insured person sustains bodily injury or sickness, directly and independently of all other causes, which results in a hospital stay as an in-patient and he/she misses a flight back to his/her country of residence.
• Hijack distress allowance: Compensation payable in event of hijack of the common carrier in which the insured person is traveling, while on a trip abroad during the period of insurance. An allowance will be paid for each day of the hijack up to the limits specified under the policy.