HDFC ERGO Travel Insurance

HDFC ERGO travel insurance benefits

• HDFC Ergo Eligibility Criteria for Travel Plans

  Plans	Adult Insured	Children
  Individual Single Trip and Asia plans	Minimum entry age is 18 months. Maximum entry age is 70 years at the commencement date of the Policy	The minimum entry age under this policy is 6 months and maximum is 18 years
  Annual Multi trip Plans	Age of the insured to be between 18 and 70 years on the date of commencement of the policy.	N.A.
  Family Floater Plan	Age of the insured to be between 6 months and 60 years on the date of commencement of the policy. Spouse can be covered upto the age of 60 years.	Two Children from 3 months upto the age of 21 years.
  Student Plan	Maximum entry age is 35 years at the commencement date of the policy	Minimum entry age is 16 years

  Plans	Countries Covered	Children
  Worldwide Including USA / Canada – Single Trip	All Countries in the world including North America, South America, and Canada.	Bronze - $30,000 Silver - $50,000 Gold - $100,000 Platinum - $200,000 Titanium - $500,000
  Worldwide Excluding USA / Canada – Single Trip	All countries across the world apart from North America, South America and Canada	Bronze - $30,000 Silver - $50,000 Gold - $100,000 Platinum - $200,000 Titanium - $500,000
  Worldwide - Annual Multi Trip	Al Countries across the World	Gold - $250,000 Platinum - $500,000
  Single Trip Asia Plan	All countries in Asia excluding Japan. Japan can however to be included in Worldwide Excluding America / Canada Plan	Bronze - $15,000 Silver - $30,000
  Family Floater Plan – Single Trip	All countries across the world apart from North America, South America and Canada	Standard Plan - $50,000
  Student Suraksha Student Insurance Plan	Options available for both Including and Excluding USA & Canada	Bronze - $50,000 Silver - $100,000 Gold - $250,000 Platinum - $500,000

• 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.

  Highlights

  • No Medicals upto the age of 70 years
  • Optimum Coverage at Low Costs

  Travel Insurance Plans

  • Single Trip Plans
  • Annual Multi Trip
  • Asia Travel
  • Family Travel