I have an HDFC Regalia credit card and I’m booking a flight to Singapore next month. I remember reading somewhere that it comes with free travel insurance. How do I activate this for my trip? Is there a form I need to fill out or someone I need to inform before I travel?
Activating the complimentary travel insurance on your HDFC Regalia credit card is a simple process that is tied to how you book your travel. There are no manual forms to fill out. Follow these steps to ensure you are covered for your trip.
Step 1: Understand Your HDFC Regalia’s Insurance Cover
Before you do anything else, the first step is to understand what this insurance actually provides. A friend of mine who travels often checked his policy document and found that the primary benefit is a ₹1 Crore air accident death cover. It also includes a smaller, secondary cover for emergency overseas hospitalization (capped at ₹15 Lakh). It is not a comprehensive policy that covers trip cancellations, baggage loss, or flight delays.
Step 2: Purchase Flights with Your HDFC Regalia Card
This is the most critical step and is the one that actually activates the insurance. When I was booking my own flight, I made sure to use my HDFC Regalia card to make the full payment. This single action is what automatically activates the insurance for that specific flight journey. There is no other form, email, or phone call required. If you use another card, the insurance will not be active.
Step 3: Verify Who is Covered by the HDFC Regalia Policy
After booking tickets for my family on a single transaction, I made sure to check who was covered. I found the policy terms on the HDFC website, which clearly stated that the full ₹1 Crore air accident cover is for the primary cardholder only. This step is vital to avoid mistakenly assuming that your spouse or children have the same level of coverage from your card.
Step 4: Download the HDFC Regalia Policy Document
The final step for your peace of mind is to have the policy details handy. Before I travel, I always do a quick online search for “HDFC Regalia insurance terms and conditions” and download the official PDF from the HDFC Bank website. Saving this document on your phone gives you access to the exact terms, exclusions, and the claim process details in case of an emergency.
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