Can I choose cover according to my destination?

Destination configurations may include Asia, Schengen and worldwide options, including configurations that differ according to whether the USA and Canada are included. Check availability for your trip.

Are baggage loss and flight delay covered?

These benefits depend on the selected variant and the applicable policy conditions. Check the benefit schedule, exclusions, claim triggers and sub-limits before purchase.

Are pre-existing diseases covered?

Do not assume that all pre-existing conditions are covered. Review the current policy wording and any applicable extension or specific condition before buying.

Can I buy the policy after starting my trip?

Policybazaar states that this policy cannot be purchased after the international trip has commenced. Confirm the current purchase conditions directly with the insurer.

Where can I check the official policy wording?

Use HDFC ERGO's official travel policy wording page to identify the wording applicable to the product and policy period: https://www.hdfcergo.com/download/policy-wordings/travel

HDFC ERGO Travel Insurance Plan: Coverage and Benefits

Travel Insurance Plan Overview

HDFC ERGO Travel Insurance Plan is designed to help Indian residents manage covered medical emergencies and selected travel-related losses during overseas trips. The product is available in different variants and destination configurations. The benefits, limits and exclusions applicable to a traveller depend on the issued policy schedule and the relevant policy wording. Travellers should compare the selected sum insured, destination, trip dates and included benefits before purchasing.

Travel protection with variant-based medical and travel-related benefits.

Expert Review of Travel Insurance Plan

This plan is worth evaluating for travellers who want medical protection abroad along with selected travel-related benefits. The Silver, Gold, Platinum and Titanium variants described by Policybazaar differ in their coverage configuration. Some benefits, such as baggage protection, passport-related expenses, flight delay or trip cancellation, may depend on the chosen variant and policy terms. Do not assume that every benefit is included in every option. Check the policy schedule, applicable sub-limits, exclusions and destination restrictions before buying. The final premium should be obtained using the traveller's actual age, destination, travel dates and selected sum insured.

Pros

Offers several variants, allowing travellers to compare different benefit configurations.
Designed for eligible overseas trips for individuals and families; policy format depends on the option selected.
Medical and selected travel-related benefits can be combined under one travel policy.
Premium can be calculated against the actual destination, travel dates, traveller details and selected cover.

Cons

The final premium cannot be determined without trip and traveller details.
Benefit limits and included covers vary by selected variant and policy schedule.
Pre-existing medical conditions and adventure activities may be excluded or restricted under the applicable wording.
Claims require compliance with policy conditions, evidence requirements and notification procedures.

About HDFC ERGO (Insurer Profile)

HDFC ERGO

Key Insights

Founded

2002

HDFC ERGO was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

97.9% CSR, calculated as a 3-year average

HDFC ERGO settles 97.9% of all claims it receives, demonstrating strong credibility.

Contact Details

022-62346234

Headquarters: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059, Maharashtra, India.

Travel Insurance Plan Features and Benefits

Emergency medical expenses

Eligible medical treatment expenses for covered illness or accidental injury during the insured trip.

Subject to policy definitions, limits, exclusions and the issued schedule.

Emergency dental treatment

Eligible emergency dental treatment, such as treatment following an accident or acute pain relief, where covered.

Applicable limits and conditions depend on the policy wording.

Baggage loss and delay

Eligible benefits for loss of checked-in baggage or baggage delay when included in the selected variant.

Not all benefits necessarily apply to every variant.

Personal liability

Protection for covered legal liability for third-party injury or property damage during the insured trip.

Subject to policy limits, conditions and exclusions.

Flight and trip disruption benefits

Selected benefits for covered flight delay, cancellation or other travel disruption where included.

Trigger conditions and limits must be checked in the applicable wording.

Add-ons of Travel Insurance Plan

Variant and destination selection

Select the available variant and destination configuration appropriate to the trip.

Availability and terms depend on the insurer's current offering.

What Travel Insurance Plan Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Expenses arising from excluded pre-existing diseases, unless specifically covered by the applicable policy.
Claims arising from intoxication or use of prohibited substances, as defined in the policy.
Cosmetic or obesity-related treatment where excluded by the policy wording.
Self-inflicted injury and other specifically excluded events.
Adventure-sport injuries or other hazardous activities where not covered by the selected policy.
War, unlawful acts and other excluded circumstances specified in the policy wording.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Insurer

HDFC ERGO plans and claim process

Travel Insurance Plan FAQs

What does HDFC ERGO Travel Insurance Plan cover?

Depending on the selected variant, the policy may cover eligible emergency medical expenses, emergency dental treatment, baggage-related losses, personal liability and selected travel-disruption benefits. The policy schedule and wording determine the actual cover.

How much does HDFC ERGO Travel Insurance cost?

The premium depends on destination, traveller age, trip duration, number of travellers, selected variant and sum insured. Obtain a quote using the actual trip details rather than relying on a generic starting price.

Which variants are available?

Policybazaar describes Silver, Gold, Platinum and Titanium variants for the standard travel insurance plan. Confirm the currently available options while obtaining a quote.

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO website before purchasing.