HDFC ERGO Travel Insurance Overview
There’s no denying the fact that travelling is a wonderful experience. Be it a vacation with family or friend, travelling opens up a new horizon in front of you to explore a new geography. Such experience earned from travelling can be embraced for the rest of your life. Starting from the planning of an abroad trip to buying tickets and preparing passports – everything excites us in an extraordinary way. But travelling also imposes us to contingencies that are not within our control. You could meet an accident in a foreign land and might have to say goodbye to all your lifelong savings for the hospitalization expenses since the medical charges are very much higher than what it is in India. Therefore it’s an essential requirement to secure your journey with the best travel insurance plan. HDFC ERGO travel insurance policies are specifically designed to safeguard you from all such ill-fated circumstances and many more. Travel insurance from HDFC ERGO General Insurance Company Limited comes with a special feature which only asks you to pay for the specific days you travel. To let you enjoy a worry-free vacation, HDFC ERGO travel insurance policy provide you a widespread coverage against various travel related contingencies. The company offer special discounts on their services as well.
Why choose HDFC ERGO Travel Insurance?
Travel policies from HDFC ERGO General Insurance certainly provide a number of special benefits along with their plans. HDFC ERGO has introduced “Pay per Day for Travel Insurance”. Now this means that you will only pay specifically for the number of days you travel. So you no longer have to pay the premium for 5-7 days if you want to have a business vacation for just 1 day. Apart from these, HDFC ERGO travel insurance policy comes with a plethora of attractive features and benefits.
Wide Range of Plans to choose From: HDFC ERGO travel insurance policies offer a broad collection of plans to buy from and match your requirements. You may as well pick and choose the travel insurance plans as per your family size and age. You can secure your journey at a minimum premium with maximum coverage under HDFC ERGO travel insurance policies.
Trusted by Millions: HDFC ERGO General Insurance Company Limited is a renowned brand for taking care of your insurance needs in India. The company serves over 75 Lakh happy customers nationwide. ICRA has rated HDFC ERGO ‘iAAA’ indicating highest claim paying ability of the company.
Vast Geographic Coverage: HDFC ERGO travel insurance plans are offered across geographies comprising of Schengen countries and a length of travelling destinations to match your every need.
24*7 Support: Round the clock customer support for a hassle-free experience and convenience is offered by HDFC ERGO General Insurance.
Easy, convenient & Time saving: You don’t have to run from post to post to avail travel insurance polices form HDFC ERGO General Insurance. You can easily buy HDFC ERGO travel insurance effortlessly and conveniently without wasting any time from the company’s online portal.
Multiple secured Payment Options: You don’t have to worry about the payment security on the purchase of HDFC ERGO travel insurance policy because the company’s online payment gateway is totally secured for multiple payment options.
Correct information: HDFC ERGO doesn’t mislead their customers’ by providing misinformation online. When you buy HDFC ERGO travel insurance, you can be rest assured that you will get exactly the same benefits as it is stated on the company site.
Transparency: You are offered total transparency in exchange of the claim settlement on your HDFC ERGO travel insurance policy.
Instant policy: HDFC ERGO Insurance Company Limited offers instant policy purchase and renewal option through the company’s online portal. You can likewise avail instant quotes on travel insurance from HDFC ERGO online as well.
What Does HDFC ERGO Travel Insurance Cover?
Below is the list of coverage you will get under the travel insurance plans from HDFC ERGO.
Emergency Medical Expenses: Travel insurance policies from HDFC ERGO cover medical aid, outpatient, in-patient, diagnostic tests and therapies costs incurred due to an accident or illness.
Personal Accident: HDFC ERGO offers coverage for the medical expenses in the event of an accidental death or permanent total disability.
Delay of Checked Baggage: Compensation is offered by the company for reasonable expenses incurred for the purchase of clothing, toiletries and medication in case of the delay of checked-in baggage for more than 12 hours.
Flight delays: In case the flight is delayed for more than 6 hours, HDFC ERGO travel insurance plan will reimburse the amount spent on the purchase of refreshments, meals etc. with the submission of bills.
Personal Liability: Travel insurance plans from HDFC ERGO General Insurance compensate the damages to a third party, resulting from injury, death or damage to the property or health caused involuntarily by the insured person.
Total Loss of Baggage & Personal Documents: The policy offers coverage in the event of lost baggage or loss of personal documents like passport or other relevant documents.
Other Benefits: Loss of Checked Baggage, Personal Accident (Common Carrier), Emergency Dental Treatment, Hospital Cash, Medical Evacuation, Financial Emergency Assistance, Repatriation, Contingency Travel Benefit and Hijack Distress Allowance are also covered under HDFC ERGO travel insurance policy.
HDFC ERGO Travel Insurance Renewal
The renewal of travel insurance policy from HDFC ERGO can be done instantly by visiting the company’s official online page. HDFC ERGO travel insurance online renewal will take a very little time. All you have to do is visit the website of HDFC ERGO General Insurance Company Limited and choose renewal option to renew your travel insurance. Just pay the premium online and you will be done with HDFC ERGO travel insurance renewal.
Exclusions under HDFC ERGO Travel Policy
If you purchase travel insurance, it doesn’t mean you will get coverage against all circumstance. Here’s the list of exclusions under HDFC ERGO travel insurance plans.
- ✔Civil War or Foreign War.
- ✔Self-Inflicted Injury, Suicide or attempted suicide.
- ✔Under influence intoxicating substances such as Drugs, Liquor etc. (Unless advised/administered by a physician).
- ✔Non-adherence to medical advice.
- ✔Participation in any Sport as a Professional Player.
- ✔Treatment of Mental and Nervous Problems
- ✔Participating in hazardous adventure sports.
- ✔Participation in any Criminal Act.
- ✔AIDS or HIV.
1. Why do you have travel insurance?
One of the main situations where you should have travel insurance is whenever you are travelling overseas.
2. When should you get travel insurance?
You should get travel insurance before you are travelling overseas. Many travel insurance provides require you to buy travel insurance within a specific time period or specified number of days that is usually 10-14days from your initial travel insurance deposit.
3. Do you need travel insurance?
Travel insurance is specifically designed to give you protection against any unforeseen travel misfortunes such as flight cancelation, baggage getting lost or stolen, medical emergencies etc. Therefore you certainly need travel insurance before you are travelling to an international or domestic destination.
4. How late is too late to buy travel insurance?
You can wait until the day of your departure to buy travel insurance, but once you have begun your trip, it will be too late to buy travel insurance for you.
5. How does Airline travel insurance work?
Airline travel insurance is offered by Airline agencies that give you coverage for trip interruption or trip cancelation when you travel.