HDFC ERGO Explorer: product-specific checks
Match UIN HDFTIOP24042V022425 and your policy start date.
The official index assigns this wording to insurance periods starting 31 December 2024 onwards.
Keep products separate
TravelX is a separate product; do not apply its terms to Explorer.
Checked baggage
Loss requires a PIR, tickets/boarding pass and baggage slips.
Flight delay
Prepare receipts, the boarded flight’s ticket/boarding pass and an airline letter explaining the delay and scheduled/actual times.
Does checked-baggage loss cover damage?
No; this cover excludes damage and partial loss.
Are all journey segments covered for delay?
Baggage delay excludes the final return-to-India segment; flight delay excludes the segment finally leaving India and flight cancellation.
Official information
Checked on: 2026-10-13