HDFC ERGO Travel Insurance – Complete Coverage Guide (2026)
Travelling abroad is an exciting experience, whether it is for a holiday, business, employment, or family visit. However, international travel also exposes you to unexpected risks such as medical emergencies, flight delays, loss of baggage, or even loss of passport.
Travel Insurance is designed to protect Indian travellers from these uncertainties by offering worldwide coverage, high medical sum insured, and multiple travel-related benefits under one comprehensive policy.
This detailed guide explains HDFC ERGO Travel Insurance in simple language by expanding every feature, condition, benefit, and sub-limit mentioned in the official brochure, so that even a first-time traveller can make an informed decision.
What Is HDFC ERGO Travel Insurance?
HDFC ERGO Travel Insurance is an overseas travel insurance policy that provides financial protection to insured persons while they are outside India. The policy covers a wide range of risks including:
- Emergency medical treatment due to illness or accident
- Hospitalisation and day-care treatment abroad
- Emergency medical evacuation and repatriation
- Loss or delay of checked-in baggage
- Loss of passport and important travel documents
- Flight delay and travel inconvenience
- Personal liability towards third parties
- Accidental death and permanent disablement
- Hijack distress allowance and financial emergency assistance
The policy offers coverage up to USD 5,00,000, depending on the plan selected.
Who Can Buy HDFC ERGO Travel Insurance?
As per the brochure, HDFC ERGO Travel Insurance provides worldwide coverage for Indian residents travelling abroad for different purposes.
1. Business & Official Purpose
If you are travelling outside India for business-related activities such as corporate meetings, official assignments, conferences, exhibitions, or short-term deputations, you are eligible for coverage under HDFC ERGO Travel Insurance.
The policy ensures that unexpected medical or travel-related expenses do not become a financial burden during official travel.
2. Holiday / Leisure Travel
HDFC ERGO Travel Insurance also covers individuals travelling abroad for leisure purposes including:
- International holidays
- Family vacations
- Honeymoon trips
- Visiting friends or relatives
This is especially useful for tourists travelling to countries where medical costs are extremely high.
3. Employment Abroad
Travellers going abroad for employment purposes are also eligible for coverage, subject to policy terms and conditions. This includes individuals travelling on work contracts or short-term overseas employment.
Coverage for Family Members
The brochure clearly mentions that accompanying spouse and children of business professionals can be covered under HDFC ERGO Travel Insurance.
Such accompanying family members are treated as travelling under the holiday category, ensuring that medical and travel-related benefits remain active throughout the journey.
This feature is particularly beneficial for professionals who relocate temporarily along with their families.
Coverage for Foreign Nationals Working in India
HDFC ERGO Travel Insurance also extends coverage to certain foreign nationals, making it more inclusive than many standard travel policies.
- Foreign nationals working in India with Indian employers or multinational companies
- Individuals receiving salary in Indian Rupees (INR)
- Foreign nationals domiciled in India, subject to verification of ration card and IT return
This flexibility allows expatriates residing in India to purchase travel insurance for overseas trips with ease.
Eligibility Criteria – Age Limits Explained
Single Trip Plans
- Minimum entry age: 6 months
- Maximum entry age: 70 years
Annual Multi-Trip Plans
- Minimum entry age: 18 years
- Maximum entry age: 70 years
Family Floater Plans
- Covers Self, Spouse and up to 2 dependent children
- Minimum entry age for children: 3 months
Note: All eligibility conditions are subject to policy terms, conditions, and exclusions.
Key Features of HDFC ERGO Travel Insurance
✔ Worldwide Network Cashless Hospitalisation
HDFC ERGO provides access to a global network of hospitals where eligible medical expenses can be settled on a cashless basis. This significantly reduces the financial stress during medical emergencies abroad.
✔ Coverage Up To USD 5,00,000
Depending on the plan selected, travellers can choose coverage ranging from USD 50,000 up to USD 5,00,000, making it suitable for destinations like the USA, Canada, and Europe.
✔ Loss or Delay of Checked-in Baggage
If your checked-in baggage is lost or delayed by the airline, the policy reimburses expenses as per defined limits, helping you manage essentials during your trip.
✔ Loss of Passport
The policy covers expenses incurred for obtaining a duplicate passport and related documentation in case of loss during travel.
✔ Flight Delay & Travel Contingency Benefits
HDFC ERGO Travel Insurance reimburses reasonable expenses incurred due to flight delays beyond the specified duration, ensuring that unexpected waiting costs do not impact your travel budget.
Emergency Medical Benefits – The Most Important Coverage
Emergency Medical Benefits form the core of HDFC ERGO Travel Insurance. Medical treatment outside India can be extremely expensive, especially in countries like the USA, Canada, Europe, and Australia. Even a minor hospital visit can cost thousands of dollars.
This section of the policy ensures that you are financially protected against sudden illness or accidental injury that occurs while you are travelling abroad.
What Is Covered Under Emergency Medical Benefits?
HDFC ERGO Travel Insurance covers medical costs incurred due to:
- Sudden illness contracted during the journey
- Accidental injury while travelling abroad
- Medical emergencies requiring immediate treatment
Coverage includes expenses for:
- In-patient hospitalisation
- Out-patient treatment (as defined in policy)
- Doctor consultation and physician services
- Prescribed medicines and drugs
- Diagnostic tests such as X-rays, scans, and lab tests
- Medical aids and therapies required for recovery
Important: Treatment must be medically necessary and prescribed by a registered medical practitioner.
Emergency Medical Evacuation
In some situations, appropriate medical treatment may not be available at the location where the insured is travelling. In such cases, Emergency Medical Evacuation becomes critical.
HDFC ERGO Travel Insurance pays for expenses incurred in:
- Moving the insured person to the nearest suitable hospital
- Transportation under medical supervision
- Use of air ambulance or special medical transport, if required
This benefit ensures that medical decisions are based on health needs, not financial constraints.
Coverage for medical evacuation is provided up to the medical sum insured chosen.
Repatriation of Mortal Remains
In the unfortunate event of the insured person’s death while abroad, HDFC ERGO Travel Insurance covers:
- Expenses for transportation of mortal remains to India
- Or cost of burial or cremation at the place of death, as per policy conditions
This benefit removes the financial and logistical burden from family members during an emotionally difficult time.
Repatriation expenses are covered up to the medical sum insured.
Accidental Death & Permanent Disablement – Common Carrier
HDFC ERGO Travel Insurance provides compensation if the insured suffers:
- Accidental death
- Permanent total disablement
The accident must occur while travelling in a common carrier, such as:
- Aircraft
- Railway
- Bus
- Tram
This benefit ensures financial support to the insured or nominee in case of serious travel-related accidents.
Senior Citizen Sub-Limits (Age 61 to 70 Years)
For insured persons aged between 61 and 70 years, HDFC ERGO Travel Insurance applies specific sub-limits on medical expenses, irrespective of the plan chosen.
These sub-limits are applicable per sickness or disease.
Hospital Room & Boarding Expenses
- Maximum USD 1,550 per day
- Up to a maximum of 35 days
ICU / ICCU / ITU Expenses
- Maximum USD 3,500 per day
- Up to a maximum of 7 days
Surgical Treatment
- Maximum USD 12,000
Anaesthetic Services
- Maximum 25% of surgical treatment cost
Physician’s Fees
- Maximum USD 80 per visit
- Up to 12 visits
Diagnostic & Pre-Admission Testing
- Maximum USD 750
Ambulance Services
- Maximum USD 500
These limits help manage risk for senior travellers while still providing substantial medical protection.
Hospital Cash Benefit
Under HDFC ERGO Travel Insurance, a daily hospital cash allowance is paid if the insured is hospitalised due to:
- Accidental injury
- Sickness or illness
Hospital cash helps cover incidental expenses such as food for attendants, communication costs, and other non-medical expenses that are not included in hospital bills.
Payment is subject to waiting period and plan-specific conditions.
Emergency Dental Treatment
Dental emergencies can be painful and require immediate attention. HDFC ERGO Travel Insurance covers:
- Emergency dental treatment arising out of accidental injury
- Dental treatment required due to acute pain
This benefit ensures that sudden dental problems do not disrupt your travel plans or result in unexpected expenses.
Note: Routine, cosmetic, or elective dental procedures are not covered.
Loss of Checked-in Baggage
Loss of baggage during international travel can be extremely inconvenient and financially stressful. HDFC ERGO Travel Insurance provides compensation for permanent loss or damage of checked-in baggage handled by the airline.
This benefit applies when:
- The baggage is permanently lost by the airline
- The loss is officially confirmed by the airline authorities
- The baggage was checked-in and not carried as cabin luggage
The policy pays compensation as per defined limits, subject to:
- Maximum percentage per bag
- Maximum percentage per item inside the bag
This ensures that even if all items are not reimbursed fully, the insured receives meaningful financial relief.
Delay of Checked-in Baggage
Sometimes baggage is not lost but delayed due to airline operational issues. If your checked-in baggage is delayed beyond the specified duration, HDFC ERGO Travel Insurance reimburses reasonable emergency expenses.
This includes reimbursement for:
- Essential clothing
- Toiletries
- Medicines required during the delay period
As per the brochure:
- Baggage delay must exceed 12 hours
- Reimbursement is subject to plan-specific limits
This benefit ensures you can continue your journey comfortably even when your baggage arrives late.
Loss of Baggage & Personal Documents
In addition to airline-handled baggage loss, HDFC ERGO Travel Insurance also covers loss of baggage and personal documents due to unforeseen incidents during travel.
The policy reimburses:
- Actual cost of replacing lost personal documents
- Essential personal belongings
Reimbursement is provided:
- Up to the total sum insured
- Subject to policy terms and limits
This benefit is especially useful for travellers carrying important documents abroad.
Loss of Passport
Loss of passport while travelling overseas can disrupt travel plans and lead to significant expenses. HDFC ERGO Travel Insurance covers costs incurred for:
- Obtaining a duplicate passport
- Documentation and application expenses
- Assistance during the re-issuance process
This benefit ensures that passport loss does not turn into a major financial or logistical burden.
Note: Expenses must be supported by necessary documents and police reports, as applicable.
Flight Delay Benefit
Flight delays are common in international travel and can result in unexpected expenses. HDFC ERGO Travel Insurance reimburses expenses incurred due to:
- Delayed flights beyond the defined waiting period
- Missed connections caused by covered delays
As per the brochure:
- Flight delay must exceed 6 hours
- Reimbursement is provided for meals, refreshments, and essential expenses
This benefit helps reduce out-of-pocket expenses during long waiting hours at airports.
Hijack Distress Allowance
HDFC ERGO Travel Insurance provides a Hijack Distress Allowance in the rare and unfortunate event that the common carrier on which the insured is travelling is hijacked.
Key points of this benefit:
- Daily compensation is paid for each day of hijack
- Maximum number of days is predefined
- A deductible of one day applies
This allowance is intended to provide financial support during an extremely distressing situation.
Hotel Accommodation Benefit
If bodily injury or sickness results in a missed flight, HDFC ERGO Travel Insurance pays for hotel accommodation expenses.
This ensures that:
- You are not stranded without accommodation
- Additional stay costs do not impact your travel budget
Hotel accommodation benefits are subject to policy limits and conditions.
Personal Liability Cover
Personal liability is an important but often overlooked aspect of international travel insurance. HDFC ERGO Travel Insurance provides compensation for damages payable to a third party due to:
- Accidental death or bodily injury
- Damage to health
- Damage to third-party property
The incident must be:
- Involuntary
- Occurring during the policy period
- Legally payable under applicable laws
This benefit is particularly valuable in countries where legal liability claims can be very high.
Financial Emergency Assistance
Losing travel funds abroad due to criminal incidents can be extremely stressful. HDFC ERGO Travel Insurance provides Financial Emergency Assistance through its service provider if the insured loses:
- All travel funds
- A substantial portion of travel funds
Loss must be due to:
- Theft
- Robbery
- Mugging
- Dacoity
This benefit ensures that the insured can continue the journey or safely return home without financial hardship.
HDFC ERGO Travel Insurance – Plan Options Explained
HDFC ERGO Travel Insurance offers multiple plans to suit different travel needs, destinations, and budgets. These plans differ mainly in:
- Sum insured
- Medical coverage limits
- Travel inconvenience benefits
- Deductible structure
The main plans offered are: Silver, Gold, Platinum, and Titanium.
Single Trip Plans – Coverage & Sum Insured
Single Trip Plans are ideal for travellers going abroad for a one-time journey. Coverage starts from the date of departure and ends on return to India or policy expiry, whichever is earlier.
| Plan | Coverage / Sum Insured | Emergency Medical Expenses |
|---|---|---|
| Silver | USD 50,000 | USD 50,000 |
| Gold | USD 100,000 | USD 100,000 |
| Platinum | USD 200,000 | USD 200,000 |
| Titanium | USD 500,000 | USD 500,000 |
Higher coverage is recommended for destinations like USA, Canada, and Europe where medical costs are very high.
Key Benefits Included in Single Trip Plans
- Emergency medical treatment and hospitalisation
- Medical evacuation and repatriation
- Accidental death and permanent disablement
- Hospital cash allowance
- Emergency dental treatment
- Loss or delay of baggage
- Loss of passport
- Flight delay
- Personal liability
- Hijack distress allowance
- Hotel accommodation due to missed flight
Family Floater Plans – Coverage Explained
Family Floater Plans allow you to cover multiple family members under a single policy. This is cost-effective and easier to manage compared to individual policies.
Family Floater Plans can cover:
- Self
- Spouse
- Up to two dependent children
Minimum entry age for children is 3 months.
| Plan | Coverage / Sum Insured | Emergency Medical Expenses |
|---|---|---|
| Silver | USD 50,000 | USD 50,000 |
| Gold | USD 100,000 | USD 100,000 |
| Platinum | USD 200,000 | USD 200,000 |
| Titanium | USD 500,000 | USD 500,000 |
All members share the same sum insured, making it ideal for short international family trips.
Annual Multi-Trip Plan – For Frequent Travellers
Annual Multi-Trip Plans are suitable for individuals who travel abroad frequently during the year. Instead of buying a policy for every trip, a single policy covers multiple journeys.
Key points:
- Eligibility age: 18 to 70 years
- Total policy period cannot exceed 360 days
- Each trip duration is subject to policy limits
Annual Multi-Trip Plans provide similar benefits to Single Trip Plans, including:
- Emergency medical expenses
- Medical evacuation
- Accidental death and disability
- Baggage and passport loss
- Flight delay and hijack allowance
Understanding Deductibles in HDFC ERGO Travel Insurance
A deductible is the portion of the claim amount that the insured must bear before the insurance cover applies. Deductibles help keep premiums affordable.
Common deductibles under the policy include:
- Emergency medical expenses – fixed deductible per claim
- Loss of checked-in baggage – deductible per claim
- Personal liability – deductible amount applicable
- Hijack distress allowance – one day deductible
- Hospital cash – waiting period before benefit starts
Deductible amounts vary by benefit and plan type, and are clearly mentioned in the policy schedule.
Important: Deductibles apply per claim and not per policy year unless specified otherwise.
General Conditions – Important Policy Rules
Every insurance policy operates under defined rules known as general conditions. These conditions determine how and when the policy will respond to claims.
As per the HDFC ERGO Travel Insurance brochure, the following general conditions apply:
- The policy becomes active only after premium payment and policy issuance
- No refund is allowed once the journey has commenced
- No refund is allowed for curtailment of risk after journey commencement
- Total policy period, including extensions, shall not exceed 360 days
These conditions ensure clarity on policy validity and prevent misuse of coverage.
Health Declaration & Medical Reports
The brochure clearly states that if an insured person has any adverse medical history as declared in the proposal form, additional health reports may be required.
Key points:
- Medical reports may be required irrespective of age
- Medical reports may be required irrespective of travel duration
- Approval is subject to underwriting guidelines
This ensures that coverage is provided transparently and responsibly.
Special Exclusions – What Is Not Covered
Like all insurance policies, HDFC ERGO Travel Insurance has certain exclusions. These exclusions define situations where claims will not be payable.
Pre-Existing Diseases
Expenses incurred for treatment of pre-existing diseases are excluded, unless specifically covered under the policy terms.
Any disease mentioned in the health report submitted at proposal stage will remain excluded from coverage.
Medical Advice Before Travel
Expenses arising from travel undertaken against medical advice or treatment that is not medically necessary are not covered.
Standard Policy Exclusions
- Self-inflicted injury
- Alcohol or drug abuse
- Participation in unlawful activities
- Cosmetic or elective treatments
- Experimental or unproven treatments
For complete exclusion details, policy wording must be read carefully before purchase.
Claims & Emergency Travel Assistance
HDFC ERGO Travel Insurance offers 24×7 worldwide emergency assistance to help insured travellers during medical or travel emergencies.
For travel medical advice and assistance during your trip, you can contact HDFC ERGO’s emergency travel assistance partner using the details below.
Emergency Contact Details
- Email: travelclaims@hdfcergo.com
- Toll-Free (Global): +800 0825 0825
- Landline (Chargeable): +91-120-4507250
Important: Always add the country code while dialing international numbers.
Prompt intimation and documentation help ensure faster claim processing.
About HDFC ERGO General Insurance Company Limited
HDFC Ergo is a leading general insurance company in India.
Registered & Corporate Office:
1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400020
IRDAI Registration No.: 146 CIN: U66030MH2007PLC177117
Anti-Rebating Warning (As Per Insurance Act, 1938)
As per Section 41 of the Insurance Act, 1938, as amended:
No person shall allow or offer, directly or indirectly, any rebate of the commission or premium payable on an insurance policy as an inducement to take or renew insurance.
Any violation of this provision is punishable with a fine which may extend up to ₹10 Lakhs.
Frequently Asked Questions – HDFC ERGO Travel Insurance
Is HDFC ERGO Travel Insurance mandatory?
Travel insurance is mandatory for certain countries such as Schengen nations. Even where not mandatory, it is strongly recommended.
Does the policy cover COVID-19 treatment?
Coverage is subject to policy terms, conditions, and prevailing guidelines at the time of travel.
Can senior citizens buy this policy?
Yes, travellers up to 70 years can be covered, subject to defined sub-limits.
Is cashless hospitalisation available abroad?
Yes, cashless hospitalisation is available through HDFC ERGO’s worldwide hospital network.
Final Words – Why Choose HDFC ERGO Travel Insurance?
HDFC ERGO Travel Insurance offers a well-balanced combination of:
- High medical coverage up to USD 5,00,000
- Worldwide cashless hospital network
- Strong protection against travel inconveniences
- Dedicated 24×7 emergency assistance
- Trusted brand backed by HDFC
Whether you are travelling for leisure, business, employment, or family reasons, this policy ensures that financial worries do not interrupt your journey.
Travel confident. Travel protected. Travel with HDFC ERGO.
🔍 Travel Insurance Glossary
- Emergency Medical Benefits: Treatment for sudden illness or accident abroad
- Medical Evacuation: Transport to nearest suitable hospital
- Repatriation: Return of mortal remains to India
- Hospital Cash: Daily allowance during hospitalisation
- Deductible: Amount paid by insured before claim
- Personal Liability: Third-party legal liability coverage
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