Saraswati Group of Companies

Is emergency financial assistance provided under Travel Insurance?

A financial emergency is a situation where the insured loses all or a substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. Under this benefit the insured is provided with Emergency Cash Assistance up to the limit stated in the Policy. This assistance is provided by the company through a service provider.

Is travel insurance mandatory?
Travel Insurance is not mandatory in India. However, it is mandatory in the UK and others countries including Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg and the Netherlands. However, for a safe and peaceful trip, we recommend that you have a travel insurance policy no matter which country you are travelling to.

What does Medical Repatriation and Evacuation cover under Travel Insurance?
Emergency Medical Evacuation means the arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means the arrangement for transportation required to move an insured to his/her country of residence following an emergency.

Why do I require Travel Insurance?
Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International trip. No matter what the purpose of your travel, business or pleasure, you are safer with Overseas Travel Insurance that will protect you from unfortunate events such as loss or delay in checked-in baggage, loss or passport, a medical emergency or an accident.

Features

• It protects your travels against any loss, delay or damage.
• In case of international travel claims, emergency assistance will be available to you on call 24x7.
• It provides you with a range of policies for individuals ranging in the age group of 6 months to 70 years & Family Floater ranging in the age group of 3 months to 60 years.

Benefits

• You can buy policy online & get Instant policy issuance
• No medical checkups are required to avail this policy
• You can avail the benefits of uncomplicated cashless hospitalisation, in case of a claim while travelling.

No matter how far and wide you have to travel for business or work, you can now leave all your worries behind by securing yourself with the HDFC ERGO Travel Insurance. Here are some of the features of the policy:
•Range of policies: A wide range of policies that offer coverage for individuals from the age of 6 months to 70 years are available. Chose from the following policies that suit your frequency of travelling.

Single trip policy: 6 months to 70 years

Annual multi-trip: 18 years to 70 years

Single trip for Asia excluding Japan: 6 months to 70 years

• Assistance: If you need to make international travel claims, emergency assistance will be available to you on call 24x7.
• Online Policy: Instant Online Policy Issuance is also available to you for the HDFC ERGO Travel Insurance.
• Medical Procedures: Absolutely no medical procedures of health checkups are required to avail of the HDFC ERGO Travel Insurance.
• Cashless hospitalisation and claims: If you need to make a claim in an unfortunate circumstance while travelling, you can avail the benefits of uncomplicated cashless hospitalisation. As a part of our claims procedure, our International Service Provider will provide cashless claims service.

What coverage does HDFC ERGO Travel Insurance policy offer?

Here are the details regarding the coverage that the HDFC ERGO Travel Insurance policy offers:

• Emergency medical expenses: Covers medical costs incurred due to an illness, an accident or a prescribed emergency evacuation. It also covers out-patients & in-patients treatments, medical aid, therapies and diagnostic tests as described in the policy schedule.
• Emergency medical evacuation: Covers the expenses incurred in moving the insured person to the nearest hospital
• Repatriation of remains: Covers the expenses incurred in moving the insured person to his/her country of residence
• Emergency dental expenses: Covers non aesthetic treatment of natural teeth.
• Hospital cash: Pays a daily allowance in the event of hospitalization either due to sickness or an accident, as stated in the policy schedule.

• Accidental death and permanent total disability - Common Carrier: Pays the sum insured specified in the schedule in addition to the sum insured specified under the Personal Accident Section, if the insured sustains Accidental Bodily Injury during the course of the journey while travelling in a common carrier such as rail, bus, or aircraft; and such bodily injury results in death or permanent total disability.
• Personal accident: Pays compensation in case of death or permanent total disability caused due to an accident.
• Flight delay: Pays compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time for purchase of meals, refreshments.
• Loss of Baggage and Personal Documents: Pays actual cost of replacing lost document (inclusive of passport) and belongings.
• Loss of checked-in baggage: Pays compensation for the permanent loss of checked-in baggage.
• Delay of checked-in baggage: Pays compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours.
• Personal Liability: Pays compensation for damages to a third party, resulting from death, injury or damage to his/her health or property caused involuntarily by the insured.
• Financial Emergency Assistance: Assistance provided where in the insured loses all or substantial amount of his / her travel funds due to theft, pilferage, robbery or dacoity . A fixed sum is paid as emergency assistance up to the limits specified under the policy.
• Hotel accommodation: Pays for the cost of hotel accommodation of the family member, if the insured person sustains bodily injury or sickness, directly and independently of all other causes, which results in a hospital stay as an in-patient and he/she misses a flight back to his/her country of residence.
• Hijack distress allowance: Compensation payable in event of hijack of the common carrier in which the insured person is traveling, while on a trip abroad during the period of insurance. An allowance will be paid for each day of the hijack up to the limits specified under the policy.

What are the exclusions on the HDFC ERGO Travel Insurance policy?

What are the exclusions on the HDFC ERGO Travel Insurance policy?

The following are the exclusions on the policy that you should note.
• Civil war or foreign war
• Terrorism
• Self inflicted injury, suicide
• Non-adherence to medical advice
• Under influence of liquor, drugs or narcotics (unless advised / administered by a physician)
• Participation in any sport as a professional player
• Participation in any criminal act
• AIDS or HIV
• Treatment of nervous and mental problems
• Participating in hazardous sports like parachuting, hang gliding, bungee jumping, etc.