HDFC Ergo Annual multi trip travel insurance

HDFC Ergo Annual multi trip plan benefits

• Platinum Plan	Gold Plan	Deductible
  Emergency Medical Expenses
  $500,000	$250,000	$100
  Emergency Dental Treatment
  $500	$500	$150
  Medical Evacuation, Transportation to hospital due to medical emergency
  Included	Included	Nil
  Hospital Cash
  $15 per day, Max up to $150	$15 per day, Max up to $150	1 day
  Repatriation
  Included	Included	Nil
  Accidental Death - Common Carrier
  $5,000	$5,000	Nil
  Permanent Disablement - Common Carrier
  $5,000	$5,000	Nil
  Loss of Checked Baggage
  $1,000	$1,000	For Per Bag basis Claim, Max up to 50% of Sum Insured will be Paid. For per Item basis - Max up to 10% of Sum insured will be Paid. In both cases Claim payment shall not exceed $1000.
  Delay of Checked Baggage
  Max up to $200	Max up to $200	Benefit will start if the delay for checked baggage is more than 12 Hours
  Personal Liability
  $200,000	$200,000	$200
  Financial Emergency Assistance
  $1,500	$1,500	Nil
  Hijack Distress Allowance
  $75 per Day, Max upto $525	$75 per Day, Max upto $525	Benefit will Start after a waiting period of 1 Day
  Flight Delay
  $10 per Hour, Max upto $120	$10 per Hour, Max upto $120	Benefit will start, if the flight is delayed for more than 6 Hours
  Hotel Accommodation
  $3,000	$3,000	Nil

• Coverages	Description
  Medical Expenses including transportation and evacuation	HDFC ERGO general insurance takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise.
  Dental Care Expenses	HDFC ERGO travel care annual multi trip insurance covers dental expenses incurred by the Insured / Insured Person for any acute anesthetic treatment of a natural tooth or teeth during a trip due to an injury but not exceeding the Sum Insured as specified in the Schedule to the Policy.
  Personal Accident	HDFC ERGO multi trip travel insurance plan shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.
  Accidental Death & Dismemberment - Common Carrier	HDFC ERGO multi-trip medical travel insurance shall pay compensation for injury sustained by Insured, which results in loss of life or permanent disability while riding as a passenger in any common carrier.
  Daily allowance in case of hospitalization	If the Insured / Insured Person is hospitalized for more than 2 days, HDFC ERGO multi trip travel plan provides daily allowance as compensation
  Compassionate Visit	In case the Insured / Insured Person is hospitalized for more than seven consecutive days. HDFC ERGO multi trip travel insurance will reimburse the return fare for an immediate family member to visit the insured.
  Loss of Passport	HDFC ERGO multi trip travel insurance will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss
  Study Interruption	In the event of Hospitalization of the insured person of more than one consecutive month due to a covered Injury or Sickness or the death of an immediate family member and the insured student is unable to continue his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the University.
  Sponsor Protection	In the case of injury to the Insured Person’s Sponsor (as stated in the Enrolment Form) resulting in Death or Permanent Disablement, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education.
  Bail Bond	The insurance company will pay costs relating to the bail bond if the insured student incurs, as a result of any inadvertent law breaking or false arrest in a bailable offence or wrongful detention by any government during his/her travel overseas.

• Exclusions

  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.