HDFC Ergo General Insurance Company is a joint venture between some of the leading names in the financial sector. The company is jointly owned by HDFC Limited and ERGO International AG. HDFC Limited is a housing finance company which is quite reputed in India and ERGO international AG is the insurance component of the Munich Re Group. Thus, both the companies have tremendous expertise in insurance and finance as a result of which HDFC Ergo offers various attractive general insurance policies. Travel insurance policies are also offered by the company which provides coverage when you are travelling.

Let’s understand HDFC Ergo travel insurance plans in detail.

Why choose HDFC Ergo travel insurance?

HDFC Ergo travel insurance plans have a definite edge over other policies because of the following reasons –

  1. HDFC Ergo enjoys the trust of more than 1 crore individuals and is, therefore, a trusted and a reputed company
  2. The company provides its customers with 24*7 support for any type of query or feedback that they might have
  3. HDFC Ergo travel insurance offer you the benefit of paying premiums per day of travel ensuring that you do not pay additional premiums
  4. No pre-entrance medical check-ups are needed to buy HDFC Ergo travel insurance plans
  5. You can buy any HDFC Ergo travel insurance policy online without getting involved in unnecessary paperwork. HDFC Ergo provides complete online assistance when it comes to buying travel insurance policies
  6. The company has an in-house claim settlement department which makes it easier and convenient for you to get settlement of your travel insurance claims
  7. In case of medical contingencies faced when travelling, you can avail cashless treatments at across more than 8 lakhs hospitals over the world which are tied-up with HDFC Ergo

Types of HDFC Ergo travel insurance plans

HDFC Ergo offers a range of travel insurance policies for different types of trips that you might undertake. The list of HDFC Ergo travel insurance plans is, therefore, as follows –

1. HDFC ERGO Individual travel insurance plan

This policy covers a single individual travelling to another destination. The policy has the following features –

  1. There are destination specific individual travel insurance policies. These policies are Asia plan, Schengen countries plan, worldwide plan excluding USA and Canada and worldwide plan including USA and Canada
  2. You can buy a single trip policy or an annual multi trip policy covering multiple trips taken during a year
  3. Foreign nationals who are working in India and drawing their salary in INR can be covered under the policy
  4. Even foreign individuals who are living in India can be covered
  5. There are four plan variants of Silver, Gold, Platinum and Titanium under single trip plans

Coverage benefits under HDFC ERGO Individual Travel Insurance Plan

Coverage under individual travel insurance plans is provided for the following –

  1. Cashless treatments at networked hospital in case of medical emergencies
  2. Emergency dental treatments necessitated due to an injury or accident
  3. Medical evacuation to the nearest hospital for treatments
  4. A daily cash allowance if you are admitted to the hospital for 24 hours or more
  5. Repatriation of the dead body back to the resident country in case of death
  6. Coverage against accidental death
  7. Coverage against permanent disability
  8. Loss of baggage and personal documents
  9. Delay or loss of checked-in-baggage
  10. Coverage against liability faced in case of third party damages in a foreign country
  11. Emergency cash assistance in case of theft or robbery
  12. lAllowance for hijack of your flight
  13. Coverage for flight delay
  14. Coverage for extension of hotel stay due to unavoidable circumstances

Exclusions under HDFC ERGO Individual Travel Insurance Plan

Though individual travel insurance plans provide a comprehensive list of coverage features, the following would not be covered under the policy –

  1. Medical contingency suffered due to criminal acts
  2. Medical emergency suffered due to alcohol consumption, drug usage or use of any other intoxicating substance
  3. Any treatments which are caused due to pre-existing illnesses
  4. Any type of cosmetic treatment or treatment related to weight management
  5. Medical emergencies suffered due to suicide, attempted suicide and self-inflicted injuries
  6. Injuries suffered due to participation in adventure sports or hazardous activities
  7. Eligibility criteria of HDFC ERGO Individual Travel Insurance Plan

    Entry age

    Single trip plans – 6 months to 70 years

    Annual multi-trip plans – 18 years to 70 years

    Sum insured

    Silver – USD 50,000

    Gold – USD 100,000

    Platinum – USD 200,000

    Titanium – USD 500,000

    Coverage duration

    Up to 360 days

2. HDFC ERGO Family Travel Insurance Plan

A family travel insurance policy covers you along with your family members under the same plan. The features of the plan are as follows –

  1. All travelling family members are covered under a single travel insurance policy which includes self, spouse and up to two dependent children
  2. You can choose an annual multi trip policy for the whole family if you take regular trips. Alternatively, you can also choose a single trip policy covering one specific trip which you undertake with your family
  3. There are four coverage variants and the sum insured and coverage benefits vary across each variant
  4. In case of business professionals, their spouse and dependent children can be covered under the policy

Coverage under HDFC ERGO Family Travel Insurance Plan

Family travel insurance plan covers both medical as well as non-medical emergencies suffered by any family member while on the trip. The plan allows coverage for the following instances –

  1. Medical treatments due to an emergency
  2. Medical evacuation
  3. Costs incurred in undergoing an emergency dental treatment due to an injury suffered
  4. Hospital cash allowance benefit if you are hospitalised for a period of 24 hours or more. This benefit is paid per day of hospitalisation
  5. Repatriation of mortal remains if the insured member dies on the trip
  6. A lump sum benefit is payable in case of accidental death or permanent disablement suffered by any insured member
  7. If you or your family members cause any third party damage, the liability that you face would be covered under the policy
  8. Loss or delay of your checked-in-baggage
  9. Loss of personal belongings and important documents while on the trip
  10. Hijack distress allowance on a per day basis if your flight is hijacked

Exclusions under HDFC ERGO Family Travel Insurance Plan

The following are instances which are not covered under a family travel insurance policy –

  1. Any act which breaches the law
  2. Any contingency suffered due to alcohol or substance abuse
  3. Contingency suffered due to participation in adventure sports
  4. Cosmetic treatments
  5. Any type of obesity related treatments
  6. Attempted suicides and self-inflicted injuries
  7. Illnesses which occur due to pre-existing diseases or conditions
  8. Eligibility criteria of HDFC ERGO Family Travel Insurance Plan

    Entry age

    Adults – 18 years to 70 years

    Dependent children – 3 months onwards

    Sum insured

    Silver – USD 50,000

    Gold – USD 100,000

    Platinum – USD 200,000

    Titanium – USD 500,000

    Coverage duration

    Up to 360 days

3. HDFC ERGO Student Travel Insurance Plan

A student travel insurance policy is specifically designed for students who go abroad for higher studies. These policies have coverage benefits which are needed by students. The salient features of the student travel insurance plan offered by HDFC Ergo are as follows –

  1. There are two types of policies offered under this category – worldwide excluding USA and Canada and worldwide coverage
  2. The scope of coverage is quite extensive and the premiums are also affordable
  3. Resident Indian students can buy this policy if they are going abroad for higher education
  4. There are five plan variants of Standard, Bronze, Silver, Gold and Platinum
  5. Add-on covers are also available under the plan at an additional premium

Coverage features of HDFC ERGO Student Travel Insurance Plan

HDFC Ergo student travel insurance plans have the following coverage benefits –

  1. Cashless treatments at networked hospitals in case of emergency medical contingencies
  2. Coverage against dental treatments required in case of injuries
  3. Medical evacuation by air or surface to the nearest hospital for treatments
  4. Repatriation of the dead body in case of death of the student
  5. Coverage against accidental death and permanent disability suffered abroad
  6. Delay in receiving the checked-in-baggage or loss of the baggage altogether
  7. Personal liability faced due to any third party damage caused by the student
  8. Coverage against bail money if the student is imprisoned abroad
  9. Coverage against study interruption if the student falls sick which results in a prolonged hospital stay of is an immediate family member dies. In such cases, the tuition fee is paid as compensation
  10. Payment of tuition fee if the sponsor of the student dies and the student is unable to meet the education costs
  11. Coverage for compassionate visit of a family member if the student falls sick abroad. The cost of return fare tickets is paid as claims
  12. Coverage for getting a new passport in case of loss of the earlier one

Additional coverage features of HDFC ERGO Student Travel Insurance Plan

By paying an additional premium, you can avail coverage for the following instances too –

  1. Medical expenses incurred on an inpatient basis due to pregnancy
  2. Treatment costs incurred for treating mental disorders, nervous disorders, drug dependency and alcohol addiction
  3. Costs of cancer screening and mammography exams
  4. Daily allowance payable for child care benefits for up to 7 days

Exclusions under HDFC ERGO Student Travel Insurance Plan

A student travel insurance plan offered by HDFC Ergo excludes the following instances of claims –

  1. Self-inflicted injuries, suicides or attempted suicides
  2. Acts of criminal nature and their consequences
  3. Claims arising due to alcohol or drug abuse cases
  4. Pre-existing illnesses and their complications are not covered
  5. If the student participates in any hazardous activities or adventure sports, any resulting emergencies would not be covered
  6. Cosmetic and weight management treatments are not covered
  7. Pregnancy expenses would be covered only after a waiting period of 10 months
  8. Eligibility criteria of HDFC ERGO Student Travel Insurance Plan

    Entry age

    16 years to 35 years

    Sum insured

    Standard – USD 20,000

    Bronze – USD 50,000

    Silver – USD 100,000

    Gold – USD 250,000

    Platinum – USD 500,000

    Coverage duration

    30 days to 2 years

4. Frequent Flyers Insurance Plan

This is an annual multi-trip policy which is suitable for individuals who travel frequently during a year for their work related needs. The features of the policy are as follows –

  1. You can avail cashless treatments at a vast network of hospitals all around the world as they are tied-up with HDFC Ergo
  2. Unlimited number of trips are covered under the policy and one trip should not exceed 45 days
  3. The plan has two coverage variants of Gold and Platinum

Coverage under frequent flyers insurance plan

The frequent flyers insurance policy covers the following types of claims –

  1. Medical emergencies suffered while on the trip
  2. Emergency medical evacuation
  3. Emergency dental treatments due to an injury
  4. Daily cash allowance benefit in case of hospitalisation
  5. Medical repatriation and repatriation of mortal remains
  6. Accidental death and disablement
  7. Loss of baggage
  8. Loss of personal documents
  9. Delay of checked-in-baggage
  10. Loss of checked-in-baggage
  11. Personal liability for causing any third party damage
  12. Emergency financial assistance due to loss of funds to theft, robbery or dacoity
  13. Hijack distress allowance if the flight is hijacked
  14. Hotel accommodation in case of extension of the trip due to unavoidable circumstances
  15. Delay of flight and the consequences thereof

Exclusions under frequent flyers insurance plan

The frequent flyers insurance policy does not cover the following types of claims –

  1. Claims made for pre-existing illnesses
  2. Claims made for any activity which is illegal and criminal in nature
  3. Claims suffered because of being under the influence of alcohol and/or drugs
  4. Any type of cosmetic and obesity related treatments which are not medically necessary
  5. Claims suffered because of participation in adventure sports
  6. Claims suffered due to self-inflicted injuries or suicides
  7. Eligibility criteria of frequent flyers plan

    Entry age

    18 years to 70 years

    Sum insured

    Gold – USD 250,000

    Platinum – USD 500,000

    Coverage duration

    Up to 360 days

How to buy HDFC Ergo Travel Insurance plans?

You have various options to buy HDFC Ergo travel insurance plans. These options are as follows –

  • Through HDFC Ergo’s branch

    HDFC Ergo General Insurance Company has a widespread network of branches all over India. You can locate the branch office of the company in your city and visit the nearest branch to buy the policy. Visit the branch, avail an application form, fill up the form and submit it with your documents and premium amount. The application process would be done. The company would, then, assess your application and issue the policy at the earliest.

  • Through HDFC Ergo’s insurance agent

    HDFC Ergo also has a network of insurance intermediaries who sell the company’s policies. You can find and approach an agent of the company and apply for HDFC Ergo travel insurance plans from him/her. An application form would have to be filled and submitted along with your documents and premium amount. The agent would submit your application to the company and HDFC Ergo would, then, assess your application. If everything is in order, the policy would be issued at the earliest.

  • Through the company’s website

    Applying for HDFC Ergo travel insurance plans online is perhaps the most convenient mode of buying. HDFC Ergo allows online issuance of its travel insurance policies and so you can apply for a suitable travel insurance policy online from the company’s website. To apply, visit https://www.hdfcergo.com/travel-insurance and choose the most suitable policy depending on the type of trip you are undertaking. Fill in the online application form stating your details and the details of the trip. Pay the premium online and the policy would be issued in an instant.

  • Documents required for buying HDFC Ergo travel insurance plans

    To buy HDFC Ergo travel insurance plans, the following documents would be needed –

    1. Proposal form/application form
    2. Identity proof of the insured members
    3. Age proof of insured members
    4. Travel tickets
    5. Travel Visa
    6. Any other document as required by the insurance company

    How to renew HDFC Ergo travel insurance plans?

    If you want to renew your policy, you can visit the company’s website and renew the policy instantly online. Just provide your policy details and pay the renewal premium and your policy would be renewed at the earliest.

    How to make a claim under HDFC Ergo travel insurance plans?

    As mentioned earlier, HDFC Ergo has an in-house claim settlement team for its travel insurance claims. Thus, in case of a claim, you simply have to inform the company of your claim and the company would guide you with the next steps which should be taken. To inform the company you can choose any of the following options –

    1. 1. Send an email to the company at travelclaims@hdfcergo.com
    2. Call the international toll-free number of the company +800 0825 0825 and inform the company of the claim
    3. Call on the landline of the company at +91 120 4507250. This call would be chargeable as per international call rates

    After informing the company, you would be told of the next steps to be followed. Take the specified steps, fill up a claim form and submit the form with the relevant documents to get a settlement of your claim.

    Documents required for claims

    For your claim to be settled, the following documents would have to be submitted –

    • Identity proof
    • Claim form
    • In case of a medical claim – all medical bills and reports
    • Other claims – proof of claims

FAQ’s

Yes, HDFC Ergo travel insurance plans allow extension of your coverage if the trip duration extends due to unavoidable situations. You can extend your coverage for up to 360 days by requesting the company for an extension. An additional premium would have to be paid for such an extension.


A travel insurance plan has a coverage duration which is equal to the duration of the trip. Once the coverage duration is over, the plan would expire.


Yes, the travel dates can be changed after you have bought an HDFC Ergo travel insurance policy but if the trip has not already started.


No premium refund is allowed if you cut short your trip and come back to the origin country.

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