HDFC Ergo Health Travel insurance is specially formulated for people who want to travel from their home country to overseas. The plan will protect the save the money of travelers by providing the coverage to losses that occurred during a particular journey. This may include medical emergencies, loss of bagages/ passport, trip cancellation or any other travel related unfotunes.
HDFC Ergo Health travel insurance provides broad coverage to individuals, families, students, or senior citizens. This is not restricted to a specific country, but open to countless destinations. Let's explore more about the details of the same.
The cashless treatment is only available when you are traveling to other countries and becomes medical unfit. The facility will give an emergency arrangement of funds for the treatment of the insured at any recommended hospital.
Valid for all Ages
Age is not an obstruction. Anyone between 6 months to 70/80 years is eligible to purchase this insurance cover. Also, every plan under HDFC Ergo Health travel insurance has different age criteria. So, look before buying the policy.
Access to Medical Practitioners
HDFC Ergo Health travel insurance promises a benefit of availing medical professional opinion if you are suffering from any medical condition during your travel. By calling on the helpline number of the HDFC Ergo Health and telling your policy number, you can register the service. The customer care service is available 24/7.
Valid to All Countries
Just like there are endless travel destinations marked on your map, HDFC Ergo Health travel insurance also gives sufficient choices in coverage. For example- Easy Travel for family & individual provides 3 options i.e. Silver (valid worldwide), Bronze(worldwide except USA and Canada), and Asia region.
Coverage to Medical Emergencies
Every plan under travel insurance covers medical emergencies which include- dental treatment, Personal accident, and normal medical examination.
Coverage to Non-medical Emergencies
The noon-medical emergencies under travel insurance include loss of passport, hijack daily allowance, delay or loss of checked-in baggage, theft or Burglary, trip cancellation, financial emergency cash, personal accident & common carrier.
|Type of Permanent Disability||Percentage of Sum Insured|
|A leg above or below the center of femur||70%|
|Loss to arms above the elbow joint or at the shoulder joint||70%|
|Loss to arms below the elbow||60%|
|Inability to hear from both the ears||60%|
|Loss to the leg below the knee||50%|
|Loss to leg located in the center of tibia OR foot in the ankle area||45%|
|Loss to eye||50%|
|Inability to hear from one ear||30%|
|Loss to the function of thumb||20%|
|Inability to smell or loss of an Index finger||10%|
|Loss of other fingers or big toe||5%|
|Loss to the function of other toes||2%|
The plan is valid for the individuals that travel from place to place to either for business travel or leisure travel.
All the family members can get coverage from health uncertainties ad travel insufficiencies when they have landed on different land. There are multiple unfortunes when you go on family travel like theft of rental car, hospitalization of any member, loss of baggage.
This plan is applicable to senior citizen people between 71 years to 80 years. The travel policy works everywhere worldwide with respect to the variant chosen by the insured. Two available variants are Silver and Bronze. With Silver, you can travel worldwide. Bronze gives you the chance to explore overseas except USA and Canada. Sum insured of USD 50,000 and USD 1,00,000 can be chosen.
This multi-trip travel policy like a windfall for frequent travelers or business travelers. The plan will cover multiple destinations for one year. You can bluntly travel anywhere on the globe without getting perturbed by obstructions. You can select your sum insured between USD 25,000 to USD 5,00,000. Insured will get 4 variant options- Platinum, Gold, Silver, and Bronze.
Targeting to study abroad? Then, getting travel insurance would be a great alternative to avail health-related benefits as well as safety from unfortunate events during the journey. Four variants are available- Bronze, Silver, Gold, Platinum. This HDFC Ergo Health travel insurance also provides the option to enhance the coverage at an additional cost.
HDFC Ergo Health travel insurance also provides coverage to domestic travelers. Any medical or travel exigencies originating during the policy duration will be attended with payment of expenses.
Other Travel Insurance Companies
To settle a maximum of 30 days are taken by HDFC Ergo Health. But if everything goes well, it can be settled in 15 days or less.
The insured person can reach either of the two options-
A deductible is the percentage of the claim amount which the insured person is required to pay in sharing with the insurer. The share percentage is decided at the time of buying the policy.
Last updated on 06-02-2020