One of the most things after planning a trip to a foreign country is to get a travel insurance. It is a wonderful way of covering all the financial and medical emergencies that can arouse when you are least prepared for it. HDFC ergo travel insurance is one such insurance policy that provides a bunch of benefits. Almost all types of natural and man-made calamities are covered under a travel insurance policy, like sudden illness, delay of flight, loss of passport, theft and more.
Some other perks of HDFC ergo travel insurance: Along with the above mentioned situations, this travel insurance claim holds other benefits as well. Let us explore some of the benefits as follows,
Procedure involved: A person who wants to claim the HDFC ergo travel insurance should go through the following steps, which will guide you through the overall procedure of filing a travel insurance claim.
The HDFC ergo travel insurance can be acquired for the following cases: Accidental death: if a person wants to claim for a HDFC ergo travel insurance for the case of an accidental death, the first thing that is required is to attach the claim signed by the treating doctor, along with a consultation note from the emergency doctors. Also the copy of passport with the mentioned date of journey from India, the invoices of the expenses, death certificate are to be submitted in the insurance company. Emergency medical expense: the documents that are required includes, a claim form duly filled, a note from the treating doctors, all the medical papers like the discharge summary. All relevant invoices of the expenses included a copy of the passport, copy of the cancelled cheque, with an optional Police FIR. Loss of baggage and other belongings: a person’ passport, personal belonging scan get lost at an airport. To apply for the travel insurance claim, the person needs to file a duly completed claim form, a Police FIR, copy of the new passport, a copy of the cancelled cheque, along with an emergency travel certificate. Once completed all the norms of attaining the claim, within time duration of 3-4 weeks, the claim amount is successfully transferred. You may like to read : Make Sure You Have Travel Insurance before Visiting These Places
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All of us put our best effort to earn money to secure the fate of our family. Sometimes we need something to break this monotony of life. Nothing can rejuvenate you better than a long trip. So, you are all set to fly. You have your luggage packed, visa/passport ready and a mind full of dreams. Here we are interrupting you. Are you forgetting something in heaps of excitement? You are missing on the Travel Insurance.
Whatever be the purpose of your journey, insure it with the travel insurance. Even some of the foreign countries have made this mandatory to have travel insurance in scenarios like higher studies and work permit. Risks Covered By Travel Insurance Travel insurance offers multiple benefits under one plan. The travel insurance covers risks arising from Trip Cancellation/Trip Interruption, Emergency Medical Treatment, Loss of Baggage & Personal Belongings and Unexpected Hotel accommodation. We hope none of these ever happen during your foreign trip but if something goes wrong then only your travel insurance can fix it up for you. Here we will give you some names of approved travel insurance companies that you can rely upon. TATA AIG Travel Insurance: It is a joint venture between Tata Sons holding 74% stake and American International Group having the remaining 26% stake. Travel insurance policies offered by Tata AIG Travel Insurance are particularly popular for ease of online purchase and complete travel protection. It offers plans like Travel Guard, Student Guard, Asia Travel Guard Policy and Domestic Travel Guard Policy. ICICI Lombard Travel Insurance: This is a joint venture between ICICI Bank Ltd and Fairfax Financial Holding Ltd. It is the leading travel insurance company of the country. The company comes with an enviable claim settlement record of over 3.41 Million only for the year 2015. In the same year, ICICI Lombard Travel Insurance has won the coveted tittle of the ‘Best Travel Insurance Company’ at the CNBC Awaaz Travel Awards. The company presents different travel insurance policies like Single Round trip, Senior Citizen Travel Insurance and Gold Multi Trip. You can choose any one of them according to your budget and requirement. Chola MS General Insurance: Chola MS General Insurance is the second most reliable travel insurance company in India. It offers facilities like instant premium calculation and 24*7 customer support. Along with general insurance plans, it has some widely appreciated travel insurance policies which are able to cater your need during the trip. They offer travel insurance plans like Domestic Travel Insurance Policy, Chola Student Travel Protection Plan and Chola Overseas Travel Protection Policy. Bajaj Allianz Travel Insurance: Bajaj Allianz Travel Insurance is currently holding the third place as the most valued travel insurance company. It is a joint venture involving two companies – Bajaj Finserv Ltd. and Allianz SE. It offers three most elaborated travel insurance policies namely Travel Companion, Travel Elite and Student Travel. It also includes categories like Individual Travel Insurance, Family Travel Insurance, Corporate Travel Insurance, Senior Citizen Travel Insurance and Student Travel Insurance. HDFC ERGO: HDFC ERGO is a leading travel insurance provider of the country. HDFC ERGO is a joint venture between HDFC Ltd and ERGO International, a Germany based company. Apart from general insurance policies, the company also offers a range of comprehensive travel insurance plans. Every HDFC ERGO Travel Insurance is designed to make your trip memorable and hassle-free. It offers three plans including International Individual Travel Insurance, International Family Travel Insurance and International Student Suraksha. All of these policies are customized to cover versatile aspect of your foreign trip within your affordability. |
AuthorInsurance and financial manager. Archives
May 2018
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