HDFC ERGO Annual Multi-Trip

Emergency Medical

$250,000

Hospitalisation, physician fees, diagnostics and prescribed medicines when you fall sick or get injured abroad. The single most important number on any travel policy.

Emergency Evacuation

Included

Air-ambulance or medically-supervised transport to the nearest adequate hospital — routinely a five-to-six-figure cost from remote areas, cruise ships or mountains.

Medical Repatriation

Included

Transport home for continued treatment, or repatriation of mortal remains — arranged and paid by the insurer’s assistance company.

Trip Delay

$150

Fixed or per-day allowance for meals, lodging and essentials when your departure is delayed beyond the policy’s waiting period (typically 5–12 hours).

Lost / Damaged Baggage

$1,000

Reimbursement for checked baggage lost, stolen or destroyed by a carrier, subject to per-item limits and depreciation.

Baggage Delay

$100

Emergency purchases (clothes, toiletries) when checked bags are delayed beyond the waiting period, usually 12–24 hours.

Passport Loss

$300

Costs of obtaining an emergency certificate or duplicate passport abroad — consular fees and related travel.

Personal Liability

$200,000

Legal liability for accidental injury to a third party or damage to their property during the trip.

Accidental Death (AD&D)

$25,000

Lump-sum benefit to your nominee if an accident during the trip causes death.

COVID-19 Cover

Covered

Medical expenses and (on some plans) quarantine allowance or cancellation if you contract COVID-19 before or during the trip.

Emergency Dental

$300

Acute dental pain relief while travelling, capped at a sub-limit of the medical benefit.