HDFC Ergo General Insurance Company is a joint venture undertaken by HDFC Limited and Ergo International AG (primary entity of Munich Re Group).

The venture is divided in the ratio of 74:26 with HDFC Ltd. being the major holder.
The company is spread over 89 cities and has over 109 branches spread all over India.


Key features

-Policy can be purchased online instantly

-International travel assistance provider on call 24*7

-Optimum Coverage at Low Costs

-Coverage for those upto the age of 70

-No health check-ups


The list of various covers provided by the company is given below:

-Emergency Medical Expenses:
It provides Cover against all kinds of medical costs incurred owing to certain illness or accidents including medically suggested and prescribed emergency evacuation of the plan buyer. It covers all outpatient, in-patient, medical aid, therapies and diagnostic tests and other such related expenses.

-Emergency Medical Evacuation:
In cases of emergency evacuation to India, owing to certain disease or illness the company provides cover amounting up to the medical sum insured chosen.

-Repatriation of remains:
In case of death of the plan buyers, the company provides funds for meeting the funeral expenses or expenses incurred towards repatriating the remains back to India.

-Emergency Dental Expenses:
It also provides Cover for dental expenses which include acute anesthetic treatment of teeth.

-Hospital Cash:
The Company also gives a fixed amount as decided in the policy schedulein the form of daily allowance in the case of hospitalization owing to sickness or accidents of the policy buyer.

-Accidental Death and Permanent Total Disability Common Carrier:
The company provides for payment of the specified sum insured in the policy along with the specified sum insured of Personal Accident, in case of any kind of accidental bodily injury inflected upon the buyer during the period of the journey owing to travel in common carriers such as rail, bus, tram, or aircraft; leading to death or permanent total disability.

-Personal accident:
The Company also provides for adequate compensation in cases of sudden death or permanent total disability of the buyer due to an accident.

-Flight delay:
The Company also provides compensations in case of flight delays on completion of 12 hours and more than 12 hours of the scheduled departure time.

-Loss of Baggage and Personal Documents:
It also reimburses any kind of expenses borne by the buyer towards replacement of lost documents and other personal belongings.

-Loss of Checked Baggage:
It gives adequate compensation in cases of permanent loss of checked-in luggage.

-Delay of Checked Baggage:
It provides compensations against expenses incurred on purchase of consumable goods (such as toiletries, medicines and clothes) owing to delay in the handing over of the checked in luggage of the insured individual by the carrier for more than 12 hours

-Personal Liability:
This plan also provides protection against any kind of legal liability in the form of any injury or property damage to a third party, that may arise upon the insured person during the travel period.

-Financial Emergency Assistance:
This plan provides an insurance cover in cases of theft, pilferage, robbery or dacoity of the plan buyers travel funds leading to financial emergency. Amount fixed as per the policy will be given to the buyer.

-Contingency Travel Benefits:
This plan pays for expenses incurred towards hotel rent in the event of any kind Bodily Injury or Sickness, sustained by the buyer leading to being admitted in a hospitals an in-patient, thereby, resulting in missing to board the flight back to India.

-Hijack Distress Allowance:
This plan also provides Insurance cover in the case of the hijack of the common air or sea carrier in which the policy buyer is travelling on his trip overseas during the insurance tenure. A hijack distress allowance will be given to the plan buyer for every single day of the hijack, as per policy limits.



Exclusions


-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.