HDFC ERGO Travel Insurance

Key features

• ✓Emergency medical expenses cover up to $500,000
• ✓Emergency hospitalization and in-patient treatment
• ✓Trip cancellation and interruption cover
• ✓Checked-in baggage loss and delay cover
• ✓Flight delay compensation
• ✓Loss of passport — replacement expenses
• ✓Emergency dental treatment
• ✓Medical evacuation and repatriation of remains
• ✓Personal accident cover
• ✓Personal liability cover
• ✓Schengen visa compliant (€30,000+ medical cover)
• ✓24x7 global assistance helpline

What’s included

• ✓Emergency medical expenses (in-patient and out-patient)
• ✓Hospitalization daily allowance
• ✓Emergency dental pain relief
• ✓Medical evacuation to home country
• ✓Repatriation of mortal remains
• ✓Trip cancellation due to covered reasons
• ✓Trip curtailment / interruption
• ✓Trip delay compensation
• ✓Missed connection / departure
• ✓Checked-in baggage loss
• ✓Checked-in baggage delay (after defined hours)
• ✓Loss of passport and travel documents
• ✓Personal accident — accidental death and disability
• ✓Personal liability to third parties
• ✓Hijack distress allowance
• ✓Compassionate visit by family member
• ✓Home burglary cover during trip (select plans)

What’s excluded

• ✕Pre-existing diseases (except life-threatening emergencies on select plans)
• ✕Self-inflicted injuries, suicide attempts
• ✕Injuries from war, civil unrest, nuclear risks
• ✕Adventure / hazardous sports unless specifically covered
• ✕Influence of alcohol, drugs or intoxicants
• ✕Pregnancy and childbirth related expenses (with stated exceptions)
• ✕Cosmetic and elective treatment
• ✕Travel against medical advice
• ✕Mental and nervous disorders
• ✕Treatment for HIV/AIDS and STDs

Eligibility

Min age

0 years

Max age

70 years

Covers

Self, Spouse, Children

Policy term

Single trip up to 180 days / Multi-trip annual (max 60 days per trip)