HDFC ERGO Explorer Travel Insurance

Plan highlights

Eligibility

Proposer: The person buying the policy must be a minimum of 18 years of age.

Inclusions

15+ benefits

Exclusions

• ✗Cosmetic or Plastic Surgery : Surgeries or treatments done mainly to change your appearance are not covered unless it's needed after an accident, burn, cancer, etc.
• ✗Hazardous or Adventure sports : If you get injured while participating in risky activities like skydiving, mountaineering, or scuba diving, the policy usually won't cover the costs.
• ✗Unproven Treatments : Treatments or medicines not widely accepted by the medical community are not covered.
• ✗Maternity : Costs related to pregnancy, childbirth, and related conditions are usually not covered under this policy.
• ✗Congenital External Diseases or Defects : Health issues that you have had since birth and that are visible are generally not covered.
• ✗Treatment for Alcohol or Drug Abuse : Medical care needed because of addiction to alcohol, drugs, or other substances and any problems that result from this abuse are excluded.
• ✗Dental Treatment Beyond Immediate Pain Relief : While the policy covers dental emergencies for sudden, acute pain, it generally doesn't cover routine check-ups, ongoing dental work like crowns or dentures, or cosmetic dental procedures.
• ✗Claims Arising from a Pre-existing Disease : If you have a health condition before you buy this policy, any claims related to that condition are usually not covered, unless you buy an add-on covering PED.