Comprehensive travel insurance from HDFC Ergo (HDFC Bank + Munich Re) covering medical emergencies, trip cancellation, baggage loss, and more for worry-free journeys worldwide.
HDFC Ergo General Insurance, backed by HDFC Bank and ERGO International AG (Munich Re Group), offers comprehensive travel insurance solutions for Indians traveling domestically and internationally. As India's 3rd largest private general insurer, HDFC Ergo provides trusted coverage with a global network of assistance providers for emergency medical situations abroad.
HDFC Ergo travel plans are Schengen visa compliant, accepted by all major embassies, and provide 24/7 worldwide emergency assistance through international helplines. With instant online policy issuance, cashless hospitalization at global partner hospitals, and seamless digital claims, HDFC Ergo makes travel protection effortless.
Comprehensive international travel coverage from $50,000 to $500,000 for medical emergencies abroad. Covers hospitalization, emergency evacuation, repatriation, trip cancellation, baggage loss, passport loss, and personal liability during overseas trips.
Protection for travel within India covering trip cancellation, flight delays, checked-in baggage loss, personal accident, medical expenses during travel, and hotel booking cancellation. Ideal for frequent domestic travelers.
Designed for Indian students studying abroad, covering medical expenses, hospitalization, sponsor protection, study interruption, compassionate emergency visit, and personal liability throughout the academic year (up to 2 years).
For frequent international travelers — one policy covers unlimited trips in a year (each trip up to 30/45/60 days). Cost-effective alternative to buying individual policies for every trip. Covers business and leisure travel.
Plans meet all Schengen visa requirements — minimum €30,000 (approx. $35,000) medical cover, repatriation, and emergency evacuation. Policy certificate accepted by all European embassies and consulates.
Round-the-clock international helpline in 200+ countries for medical emergencies, hospital coordination, travel assistance, legal help, and emergency cash advance. Multilingual support available.
Direct settlement with global partner hospitals in major countries. No upfront payment for covered medical emergencies — HDFC Ergo coordinates directly with healthcare providers worldwide.
Reimbursement for prepaid, non-refundable travel expenses if trip is cancelled due to medical emergency, natural disaster, visa refusal, or other covered reasons. Covers flights, hotels, and tours.
Compensation for loss, damage, or delay of checked-in baggage. Also covers essential purchases made due to delayed baggage arrival (clothing, toiletries) up to specified limits.
Buy online in minutes — policy document emailed instantly. No medical tests required. Accepted by embassies for visa processing. Soft copy on phone sufficient for travel.
Call 24/7 international helpline immediately during medical emergency. They coordinate hospital admission, cashless treatment, and provide local language assistance.
Visit nearest hospital — assistance provider coordinates cashless facility at partner hospitals. For non-partner hospitals, pay upfront and claim reimbursement later.
Keep all originals: hospital bills, prescriptions, police reports (for theft/loss), boarding passes, baggage receipts, and any correspondence with airlines/hotels.
Submit claim form + supporting documents within 30 days of returning to India. Upload via app/portal or courier. Settlement within 14-21 working days via NEFT.
Yes, HDFC Ergo overseas travel plans are fully Schengen compliant with minimum €30,000 medical cover, repatriation, and emergency evacuation. The policy certificate is accepted by all 27 Schengen country embassies and consulates for visa processing.
Overseas travel insurance costs approximately ₹300-600/day depending on destination, coverage amount, and age. A 10-day Europe trip with $100K cover costs around ₹2,500-4,000. Student annual plans range from ₹8,000-25,000 based on coverage level.
Yes, HDFC Ergo travel plans cover COVID-19 related medical emergencies (hospitalization) abroad. Trip cancellation due to positive COVID test before departure may also be covered subject to plan terms and conditions.
Yes, you can request a policy extension while traveling by contacting the 24/7 helpline or through the online portal before the existing policy expires. Extension is subject to additional premium payment and availability.
Basic adventure activities (trekking, snorkeling, skiing) are covered in standard plans. High-risk activities (bungee jumping, skydiving, scuba diving) require an optional adventure sports add-on at additional premium. Always declare planned activities while purchasing.