GET BACK TO

TRAVELLING,
WE’LL BACK
YOU UP.

TRAVEL INSURANCE
 Whether you are taking a once-in-a-lifetime trip,
travelling for work or planning a vacation with your
friends or family, safeguard yourself from any travel
related contingencies which may jeopardize your
international trip. Our Travel Insurance gives you
complete peace of mind and protection.

Benefits
1 lakh+ cashless hospitals world-wide^

Covers loss or delay of checked-in

baggage

Covers emergency medical expenses

Covers flight delay and contingency

travel benefits*

COVID-19 coverage

TRAVEL INSURANCE
 Eligibility Criteria
The policy provides worldwide coverage for Indian
Residents for:
• Business & Official Purpose
• Holiday
• Employment

Accompanying Spouse and Children of Business

Professionals can be covered and will be treated as
going under holiday.

Foreign nationals working in India with Indian

employers of multinational companies, getting salary
in INR can be considered for coverage.

Foreign nationals domiciled in India could be

covered subject to verification of ration card and IT
return

TRAVEL INSURANCE
 Age Limit
• Single Trips: 6 months to 70 years
• Annual Multi Trip Plans: 18 years to 70 years
• Family Floater: Family Floater Plan covering Self, Spouse and up to
2 children with a minimum entry age of 3 months**

Sublimit
The following maximum eligible expenses per sickness or disease are
applicable to the insured person aged 61- 70 yrs regardless of
plan/option purchased.

• Hospital Room & Boarding - Maximum US$ 1550 per day upto
max 35 days
• ICU & ICCU & ITU - Maximum US$ 3500 per day up to 7 days
• Surgical Treatment - Maximum US$ 12,000
• Anesthetic Service - Maximum 25% of surgical treatment
• Physician’s fees - Maximum US$ 80 per visits upto 12 visits
• Diagnostic & Pre Adm Testing - Maximum US$ 750
• Ambulance Services - Maximum US$ 500

TRAVEL INSURANCE
What is covered
Emergency Medical Benefits:
This covers medical costs incurred due to illness or accident including medically
necessary and prescribed emergency evacuation. It covers defined outpatient,
in-patient, medical aid, therapies and diagnostic tests. Emergency Medical
Evacuation and Repatriation of Remains to home country is covered up to the
medical sum insured chosen

Accidental Death & Permanent Disablement (Common Carrier):

Covers the insured against an accidental injury that leads to death or
permanent disablement while travelling in a common carrier such as rail, bus,
tram, or aircraft.

Emergency Dental Treatment:

Covers the costs of emergency dental work arising out of an accidental injury
or acute pain

Hospital Cash:
Pays a daily allowance for hospitalization due to accident or sickness

Loss of Baggage & Personal Documents:

Pays actual cost of replacing lost documents and belonging upto the total sum
insured

Medical Evacuation:
Pays for expenses incurred in moving an Insured Person to the nearest Hospital
where appropriate treatment can be received

Repatriation:
Pays for expenses incurred in moving an Insured Person back to India if he/ she
is unable to continue the journey after a hospital stay

TRAVEL INSURANCE
 Loss of Checked Baggage:
Pays for permanent loss or damage to the checked-in baggage

Delay of Checked Baggage:

Pays for reasonable expenses incurred for the purchase of toiletries, clothing
and medication due to delay of checked-in baggage for more than 12 hours.

Accidental Death:
Compensation paid in case of accidental death

Financial Emergency Assistance:

Assistance provided through a service provider to the Insured Person in case
he / she loses all or a substantial amount of his / her travel funds due to theft,
robbery, mugging or dacoity

Personal Liability:
Compensation for damages to be paid to a third party, resulting from death,
injury or damage to health or property caused involuntarily by the insured

Permanent Disablement (Table B):

Compensation paid in case of permanent total disability due to an accident

Flight Delay:
Reimbursement of expenses incurred for meals, refreshments etc due to delay
of flight beyond 6 hours

Hijack Distress Allowance:

Compensation payable on Hijack of Common Carrier on which the Insured
traveled

Contingency Travel Benefits:

Emergency Hotel Extension -Pays for Hotel Accommodation costs if the Insured
is hospitalized for more than 5 days and hence misses his/her schedule flight
back to country of residence

TRAVEL INSURANCE
Benefits offered with sum insured
Single Trip Plans (Including USA/Canada & Excluding USA/Canada)
Plans Titanium Platinum Gold Silver
Coverage / Sum Insured $ 500,000 $ 200,000 $ 100,000 $ 50,000
Emergency Medical Expenses 500 ,000 200 ,000 100 ,000 50 ,000
Deductible 100 100 100 100
Accidental Death - Common Carrier 5,000 5,000 5,000 3,000
Deductible Nil Nil Nil Nil
Permanent Disablement - Common Carrier 5,000 5,000 5,000 3,000
Deductible Nil Nil Nil Nil
Hospital Cash 15 per day/Max 150 15 per day/Max 150 15 per day/Max 150 15 per day/Max 150
Deductible 1 Day 3 Day 1 Day 4 Day
Emergency Dental Treatment 500 500 500 300
Deductible 150 150 150 150
Loss of Baggage & Personal Documents 250 250 250 250
Deductible 30 30 30 30
Medical Evacuation Included Included Included Included
Deductible Nil Nil Nil Nil
Repatriation Included Included Included Included
Deductible Nil Nil Nil Nil
Loss of Checked Baggage 1,000 1,000 1,000 1,000
Max 50% Per Bag/ Max 50% Per Bag/ Max 50% Per Bag/ Max 50% Per Bag/
Deductible 10% Per Item 10% Per Item 10% Per Item 10% Per Item
Delay of Checked Baggage 200 200 200 100

Deductible 12 Hours/ 12 Hours/ 12 Hours/ 12 Hours/

$10 per 8 Hours $10 per 8 Hours $10 per 8 Hours $10 per 8 Hours
Accidental Death 25,000 20,000 15,000 10,000
Deductible Nil Nil Nil Nil
Permanent Disablement/Table B 25,000 20,000 15,000 10,000
Deductible Nil Nil Nil Nil
Personal Liability 200,000 200,000 100,000 100,000
Deductible 200 200 200 150
Financial Emergency Assistance 1,500 1,000 700 500
Deductible Nil Nil Nil Nil

TRAVEL INSURANCE
 Plans Titanium Platinum Gold Silver
Coverage / Sum Insured $ 500,000 $ 200,000 $ 100,000 $ 50,000
Hijack Distress Allowance 75 per Day/Max 525 75 per Day/Max 525 75 per Day/Max 450 75 per Day/Max 450
Deductible 1 Day 1 Day 1 Day 1 Day
Flight Delay $10 per hour/Max 120 $10 per hour/Max 120 $10 per hour/Max 120 $10 per hour/Max 120
Deductible 6 Hours 6 Hours 6 Hours 6 Hours
Contingency Travel Benefits 3,000 3,000 3,000 3,000
Deductible Nil Nil Nil Nil

Family Floater Plans (Including USA/Canada & Excluding USA/Canada)

Plans Titanium Platinum Gold Silver
Coverage / Sum Insured $ 500,000 $ 200,000 $ 100,000 $ 50,000
Emergency Medical Expenses 5,00,000 2,00,000 1,00,000 50,000
Deductible 100 100 100 100
Hospital Cash 15 per day/Max 150 15 per day/Max 150 15 per day/Max 150 15 per day/Max 150
Deductible 4 Day 4 Day 4 Day 4 Day
Emergency Dental Treatment 200 200 200 200
Deductible 75 75 75 75

Loss of Baggage & Personal Documents 200 200 200 200

Deductible 20 20 20 20
Medical Evacuation Included Included Included Included
Deductible Nil Nil Nil Nil
Repatriation Included Included Included Included
Deductible Nil Nil Nil Nil
Loss of Checked Baggage 400 400 400 400

Deductible Max 50% Per Bag/ Max 50% Per Bag/ Max 50% Per Bag/ Max 50% Per Bag/
10% Per Item 10% Per Item 10% Per Item 10% Per Item
Delay of Checked Baggage 100 100 100 100

Deductible 12 Hours/$10 12 Hours/$10 12 Hours/$10 12 Hours/$10

per 8 Hours per 8 Hours per 8 Hours per 8 Hours
Accidental Death 10,000 10,000 10,000 10,000
Deductible Nil Nil Nil Nil
Permanent Disablement/Table B 10,000 10,000 10,000 10,000
Deductible Nil Nil Nil Nil

TRAVEL INSURANCE
 Plans Titanium Platinum Gold Silver
Coverage / Sum Insured $ 500,000 $ 200,000 $ 100,000 $ 50,000
Personal Liability 10,000 10,000 10,000 10,000
Deductible 200 200 200 200
Hijack Distress Allowance 75 per Day/Max 525 75 per Day/Max 525 75 per Day/Max 525 75 per Day/Max 525
Deductible 1 Day 1 Day 1 Day 1 Day

Annual Multi Trip Plan (Worldwide)

Plans Platinum Gold
Coverage / Sum Insured $ 500,000 $ 250,000
Emergency Medical Expenses 500,000 250,000
Deductible 100 100
Accidental Death - Common Carrier 5,000 5,000
Deductible Nil Nil
Permanent Disablement-Common Carrier 5,000 5,000
Deductible Nil Nil
Hospital Cash 15 per day/Max 150 15 per day/Max 150
Deductible 1 Day 1 Day
Emergency Dental Treatment 500 500
Deductible 150 150
Loss of Baggage & Personal Documents 250 250
Deductible 30 30
Medical Evacuation Included Included
Deductible Nil Nil
Repatriation Included Included
Deductible Nil Nil
Loss of Checked Baggage 1,000 1,000
Deductible Max 50% Per Bag/10% Per Item Max 50% Per Bag/10% Per Item
Delay of Checked Baggage 200 200
Deductible 12 Hours/$10 per 8 Hours 12 Hours/$10 per 8 Hours
Accidental Death 25,000 25,000
Deductible Nil Nil

TRAVEL INSURANCE
 Plans Platinum Gold
Coverage / Sum Insured $ 500,000 $ 250,000
Permanent Disablement / Table B 25,000 25,000
Deductible Nil Nil
Personal Liability 200,000 200,000
Deductible 200 200
Financial Emergency Assistance 1,500 1,500
Deductible Nil Nil
Hijack Distress Allowance 75 per Day/Max 525 75 per Day/Max 525
Deductible 1 Day 1 Day
Flight Delay $10 per Hour/Max 120 $10 per Hour/Max 120
Deductible 6 Hours 6 Hours
Contingency Travel Benefits 3,000 3,000
Deductible Nil Nil

General Conditions
For any insured, if there is any adverse history, as per the proposal form, then health
reports required for irrespective of age & travel duration.

No refund is allowed for curtailment of risk and after Journey commencement.

Total policy period, including extensions if any, shall not exceed 360 days.

Special Exclusions
All exclusions including expenses incurred for pre existing diseases & condition as per the
standard policy. Diseases mentioned in the health report shall be excluded from the
policy.

TRAVEL INSURANCE
 Anti -rebating warning
As per Section 41 of the Insurance Act 1938, as amended, the practice
of rebating is prohibited, as follows: No person shall allow or offer to
allow, either directly or indirectly, as an inducement to any person to
take out or renew or continue an insurance policy in respect of any
kind of risk relating to lives or property in India, any rebate of the
whole or part of the commission payable or any rebate of the
premium shown on the policy, nor shall any person taking out or
renewing or continuing a policy accept any rebate, except such rebate
as may be allowed in accordance with the published prospectus or
tables of the insurer. Violations of Section 41 of the Insurance Act
1938, as amended, shall be punishable with a fine which may extend
to `10 Lakhs

Our 24 - hour helpline centre

For travel, medical advice and assistance during your trip, call our
emergency travel assistance partner on the 24-hour alarm centre:
• E-mail: travelclaims@hdfcergo.com
• Toll free number (globally): +800 0825 0825
• Landline (chargeable): +91-120-4507250

Note: Please add the country code while dialling the contact number.

TRAVEL INSURANCE
 Printing Code:TR/BR/0029/JULY2022

For more details, log on to www.hdfcergo.com or call us on 022 6242 6242

**Subject to policy terms, conditions and exclusions. Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited.
IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1s t Fl oor, HD FC House, 16 5-166 Backbay
Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions,
please read the policy document carefully before concluding a sale. Trade Logo displayed above belongs to HDFC Bank Ltd
and ERGO International AG and used by the Company under license. UIN: Travel Insurance - HDFTIOP22056V022122. UID: 11002.