Backpacker Toffee

Insured by

HDFC ERGO

Complete insurance package for domestic travel.

Premium

Policy Duration

What's covered?

What's not covered?

Individuals below 18 years and above 70 years are not eligible for this Toffee.

Hazardous profession or professional sports.

Treatment for any medical issue that you had prior to the accident or unrelated to it (pre-existing condition) is not covered.

Theft claims without original receipts showing the policy holder's name.

Accidents under the effects of intoxicants or hallucinogens.

Any hospital expenses other than for treatment are not covered.

If you're hospitalized due to an accident, your treatment charges are covered upto ₹20,000 including:

Inpatient treatment for more than 24 hours.

Post hospitalization expenses up to 90 days.

Day care procedures that are less than 24 hours.

Delayed hospitalization within a month of the accident.

Theft of items such as laptop, watch, phone or camera for up to ₹1,00,000.

If your accident is not severe, your outpatient (OPD) treatment charges are covered up to ₹5,000.

Trip cancellation due to death, serious injury or sudden sickness up to ₹10,000.

Emergency hotel stay up to ₹10,000.

Emergency ambulance charges up to ₹20,000.

Death due to an accident one-time lump sum payout of ₹2,00,000.

Permanent partial or total disablement one-time lump sum payout of ₹2,00,000.