Travel Insurance

Avail travel insurance and safeguard your plans against losses, delays and damages

Whether you are traveling for business or pleasure, take along some peace of mind by opting for a travel insurance policy. Insure your trip against losses arising from untoward incidents like hospitalization, loss of baggage or personal documents, unexpected hotel accommodation or accidents.

You can avail travel insurance online and get an instant issuance. There is no need for medical checkups or complicated documentation, just a few clicks and the best travel insurance policy is yours.

Features

  • It protects your travels against any loss, delay or damage.
  • In case of international travel claims, emergency assistance will be available to you on call 24x7.
  • It provides you with a range of policies for individuals ranging in the age group of 6 months to 70 years & Family Floater ranging in the age group of 3 months to 60 years.

Benefits

  • You can buy policy online & get Instant policy issuance
  • No medical checkups are required to avail this policy
  • You can avail the benefits of uncomplicated cashless hospitalisation, in case of a claim while travelling.

What are the Features and Benefits of Travel Insurance?

No matter how far and wide you have to travel for business or work, you can now leave all your worries behind by securing yourself with the HDFC ERGO Travel Insurance. Here are some of the features of the policy:

  • Range of policies: A wide range of policies that offer coverage for individuals from the age of 6 months to 70 years are available. Chose from the following policies that suit your frequency of travelling.
    Single trip policy: 6 months to 70 years
    Annual multi-trip: 18 years to 70 years
    Single trip for Asia excluding Japan: 6 months to 70 years
  • 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 hospitalisation and claims: If you need to make a claim in an unfortunate circumstance while travelling, you can avail the benefits of uncomplicated cashless hospitalisation. As a part of our claims procedure, our International Service Provider will provide cashless claims service.

Click here to download the brochure.

What coverage does HDFC ERGO Travel Insurance policy offer?

What coverage does HDFC ERGO Travel Insurance policy offer?

Here are the details regarding the coverage that the HDFC ERGO Travel Insurance policy offers:

  • Emergency medical expenses: Covers medical costs incurred due to an illness, an accident or a prescribed emergency evacuation. It also covers out-patients & in-patients treatments, medical aid, therapies and diagnostic tests as described in the policy schedule.
  • Emergency medical evacuation: Covers the expenses incurred in moving the insured person to the nearest hospital
  • 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 . A fixed sum is paid as emergency assistance up to the limits specified under the policy.
  • Hotel accommodation: 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.

Click here to read the policy wording.

What are the exclusions on the HDFC ERGO Travel Insurance policy?

What are the exclusions on the HDFC ERGO Travel Insurance policy?

The following are the exclusions on the policy that you should note.

  • 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.

For an exhaustive list kindly refer the policy wording.

PLEASE NOTE:

*This content is descriptive only. Actual coverage is subject to the language of policy issued.
**These are illustrative exclusions. For a detailed list, kindly refer to the policy wordings.

Disclaimer:

Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
Certified Corporate Agent's License No. HCG 933982

Buy Travel Insurance instantly with NetBanking

We understand that before travelling you need travel insurance quickly and without any hassles.

NetBanking services allows you to do so, in simple steps:

I. Login to 'NetBanking' with your Customer ID and IPIN (Password).
II. Click on 'General Insurance' link, under Request Section on Accounts page.
III. Select 'Travel Insurance' Product and click on 'Continue' button.
IV. You would be directed to HDFC ERGO Portal, where you will have to fill in the required details and make the payment though HDFC Bank NetBanking / Debit Card /Credit Card services.
V. For making payment with NetBanking, you will have to login to NetBanking and authorise the transaction by answering Secure Access Challenge questions.
VI. Policy would be issued instantly online on the HDFC ERGO Portal with print option.

What is the claims procedure for the HDFC ERGO Travel Insurance policy?

What is the claims procedure for the HDFC ERGO Travel Insurance policy?

In case of any event leading to a claim under the policy, you need call HDFC ERGO's service provider, M/s. International SOS on +9111 4189 8872 / +9111 4189 8800 or Fax: 011 - 4189 8801. Our claims service representative will guide you on the claim procedure is and the required documents.
The Claim form and other documents related to the nature of loss can be collected from you by HDFC ERGO personnel. Alternatively, you may send them to our Claims Processing Cell at the following address:

HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri - East, Mumbai- 400 059, India

The documents required for claims processing are as follows:

Claim typeDetails
For Accidental Injury Claims
  • 1. Claim form
  • 2. Police report, if recorded
  • 3. Medical papers, pathology reports, X-ray reports, as applicable
  • 4. Disability certificate from reputed surgeon or hospital for permanent disability claims
  • 5. Sick leave certificate from employer for temporary total disability claims
  • 6. Attending Physician's statement
For Emergency Medical Expenses/ Emergency Dental Treatment
  • 1. Claim form
  • 2. Police FIR, if recorded
  • 3. Medical papers, pathology reports, X-ray reports, as applicable
  • 4. Doctor's prescription and line of treatment suggested
  • 5. Bills and cash memos
  • 6. Attending Physician's statement
For Hospital Cash- Sickness Claim
  • 1. Claim form
  • 2. Hospital Discharge Card
  • 3. Doctor's certificate and line of treatment suggested
  • 4. Attending Physician's statement as per 'Form D'
For Hospital Cash - Accident Claim
  • 1. Claim form
  • 2. Hospital Discharge Card
  • 3. Doctor's certificate and line of treatment suggested
  • 4. Attending Physician's statement.
For Accidental Death Claims
  • 1. Claim form
  • 2. Police Report
  • 3. Post-mortem Report or Coroner's Report
  • 4. Death Certificate
  • 5. Succession certificate or notarized affidavit certifying legal heir status for payment to beneficiary
  • 6. Letter of indemnity on Rs.200 stamp paper, where payment to beneficiary is through notarized affidavit ( please contact us for the indemnity format)
For Baggage Loss /Personal Effects ( Including Baggage Delay)
  • 1. Claim form
  • 2. Airline Tickets
  • 3. Any available receipts for the lost baggage/personal effects
  • 4. Correspondence with the Airline/Carrier
  • 5. Irregularity Report or Loss Notification Report from the Airline/Carrier
  • 6. Letter from carrier confirming reason for delay and duration of the delay for baggage delay
  • 7 Cash receipts to obtain duplicate documents, for passport loss / document loss
For Trip Cancellation / Trip Interruption
  • 1. Claim form
  • 2. Copy of travel itinerary
  • 3. Verification of trip payment
  • 4. Original airline tickets, vouchers or cruise documents
  • 5. Copy of trip cancellation statement from airline/cruise line, hotel, itemizing non-refundable charges
  • 6. Copy of any refund cheque or credit voucher
  • 7 Copy of newly purchased- for Trip Interruption only
  • 8 Itemized expense receipts
For Other Claims Contact HDFC ERGO on 9111 2332 2372, for claims guidance

PLEASE NOTE:
Documents in addition to those mentioned above may be asked for, depending on the nature of accident and claim lodged. Please retain a copy of the documents sent for your records.

To download the claim form, click here.

Disclaimer:

Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
Certified Corporate Agent's License No. HCG 933982

Already have Travel Insurance?

Get started with your Travel Insurance

Got your Welcome Kit? Inside it you will find:

  • A policy document
  • Policy Wordings: to help you understand what is covered under the policy

Renew your Travel Insurance

In order to continue availing benefits from your previous policy, renew your Travel Insurance policy.

Click here to renew your Travel Insurance policy online.

Did you know?

  • You can get protection against any loss, delay or damage when you are abroad.
  • You can get international travel assistance on call 24*7.

You may also benefit from:

  • A Personal Accident Policy that protects you when you get sick in India and offers you Personal Accident Cover worldwide.
  • A Health Suraksha policy that provides you optimal coverage for treatment, including all pre and post hospitalization costs.
  • A Critical Illness Insurance Policy that gives you a lump sum amount required to treat a critical illness and pay for associated treatment costs.

Commission on General Insurance

As per RBI circular: RBI/2009-10/225 dated November 16, 2009, following are the details of the comparative commission earned by HDFC Bank from General Insurance, whose products are being distributed:

Commission from General Insurance

Sr. NoClass of business% of premium payable as agency commission
(% of final premium excluding service tax)
1 Fire, IAR and Engineering insurances: -
i - General 10%
ii - Risks treated as large risks under para 19 (v) of File & Use guidelines 5%
2 Motor insurance business (OD portion), WC/EL & statutory Public Liability Insurance 10%
3 Motor Third Party Insurance Nil
4 Marine Hull Insurance 10%
5 Marine Cargo business 15%
6 All other business 15%

Have questions?

Close