Regalia Card Auto Insurance: What You Need To Know

The HDFC Regalia Gold Credit Card offers a range of insurance covers, including air accident coverage, emergency overseas hospitalization, and card liability cover. The card provides a substantial cover of ₹ 1 crore in the event of an air accident resulting in death, up to ₹ 15 lakh for emergency medical expenses while travelling outside India, and card liability coverage of up to ₹ 9 lakh. Additionally, the card offers benefits such as complimentary lounge access, reward points on retail spends, and flight vouchers. The HDFC Regalia First Credit Card also provides comprehensive protection with accidental air death cover, emergency overseas hospitalization, and lost card liability cover.

Air accident coverage

Air travel is generally considered a safe mode of transportation. However, in the unfortunate event of an air accident, having adequate insurance coverage is crucial. The HDFC Bank Regalia Gold Credit Card offers comprehensive insurance benefits, including air accident coverage, providing cardholders with valuable protection and peace of mind during their travels.

The air accident coverage provided by the HDFC Bank Regalia Gold Credit Card offers a substantial sum of ₹ 1 crore in the unfortunate event of bodily injury resulting in death within 12 months of an air accident. This coverage is specifically designed to provide financial support to the cardholder's beneficiaries in the aftermath of such a tragic event.

It is important to understand the scope and limitations of this air accident coverage. Firstly, the coverage is applicable only when the air travel tickets are purchased using the HDFC Bank Regalia Gold Credit Card. Additionally, the coverage is exclusive to the primary cardholder, ensuring that they are protected in the event of an accident.

While air travel is statistically quite safe, accidents can and do happen, and the consequences can be devastating. This is where the value of air accident insurance comes into play. It provides essential financial protection to help cope with the aftermath of such a tragedy. The insurance coverage can help alleviate the financial burden on the cardholder's family, providing them with some level of security during an otherwise challenging time.

When considering the benefits of the HDFC Bank Regalia Gold Credit Card, the air accident coverage is a significant advantage that should not be overlooked. It demonstrates the card's commitment to providing comprehensive protection to its cardholders, ensuring that they can travel with added peace of mind.

Emergency hospitalisation

The HDFC Regalia Gold Credit Card offers comprehensive insurance coverage to add value to your card membership. This includes emergency hospitalisation of up to 15 lakhs in India and abroad.

In the event of an emergency, either in India or abroad, the HDFC Regalia Gold Credit Card provides coverage of up to 15 lakhs for medical expenses. This includes sudden unexpected sickness or bodily injury. It is important to note that expenses related to pre-existing illnesses are not covered under this policy.

Claim Procedure

To make a claim, it is essential to notify the insurer, HDFC ERGO, within 60 days of the incident leading to the claim. You must then submit the required documents within 130 days from the date of loss. Cardholders can contact HDFC ERGO through the following channels for queries or assistance:

• Toll-Free: +800 08250825 (International Toll-Free) / 01204507250 (Chargeable)
• Email: [email protected]
• Address: A&H Claims Inward Team, HDFC Ergo GIC Ltd., 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri East, Mumbai 400059

Adding Nominees

To add a nominee for the insurance coverage, visit the official HDFC Bank Regalia Gold Credit Card webpage and access the Nominee Details Webform. Provide the necessary details, including the nominee's name, date of birth, relationship, and legal guardian's name in the case of a minor.

Things to Keep in Mind

• The insurance covers are exclusive to the primary cardholder.
• The emergency hospitalisation cover is only applicable when the cardholder purchases the travel tickets using the HDFC Regalia Gold Credit Card.
• The travel insurance provided cannot be used solely for obtaining a travel visa.
• The coverage is valid for international travel originating from India with a maximum trip duration of 30 days.

Card liability cover

The HDFC Bank Regalia Gold Credit Card offers card liability cover of up to ₹9 lakhs. This coverage acts as a safeguard in instances of losing the credit card or other liability concerns. In the unfortunate event of losing your HDFC Bank Regalia Gold Credit Card, you can report it immediately to their 24-hour call centre and have zero liability on any fraudulent transactions made.

In addition to card liability cover, the HDFC Bank Regalia Gold Credit Card also offers comprehensive insurance coverage, including air accident coverage and emergency medical expenses when travelling outside India. The air accident coverage provides a substantial cover of ₹1 crore in the unfortunate event of bodily injury resulting in death within 12 months of the accident. The emergency medical expenses cover provides up to ₹15 lakhs for unexpected sickness or bodily injury, excluding pre-existing illnesses.

The Regalia First Credit Card also offers a lost card liability cover of up to ₹5 lakhs.

Lounge access

The HDFC Regalia Credit Card offers a range of benefits, including lounge access. Here is some detailed information about the lounge access privileges:

HDFC Regalia Gold Credit Card

The HDFC Bank Regalia Gold Credit Card offers 12 complimentary airport lounge accesses per year, including both domestic and international terminals. This includes 6 complimentary lounge accesses using Priority Pass for the cardholder and add-on members. The Priority Pass can be obtained after completing a minimum of 4 retail transactions. The cardholder can access the lounge access history by sending an email to [email protected], providing their name and 18-digit Priority Pass number.

HDFC Regalia Credit Card

The HDFC Regalia Credit Card provides complimentary international and domestic lounge access. Cardholders can enjoy 6 complimentary international lounge visits with Priority Pass for the primary and add-on members. Additionally, they can avail of up to 8 complimentary domestic airport lounge visits per year (2 per quarter) by spending Rs. 1 Lakh or more in a calendar quarter. To obtain the Priority Pass membership, cardholders must complete a minimum of 4 retail transactions. After exceeding 6 complimentary visits, a charge of US $27 + GST per visit will apply.

Changes to Lounge Access

Effective December 1, 2023, the lounge access program for the HDFC Regalia Credit Card was updated. The lounge access program is now based on credit card spending. To avail of the lounge access voucher, cardholders must spend Rs. 1 Lakh or more in a calendar quarter.

Reward points

The HDFC Regalia Gold Credit Card offers a range of benefits, including reward points. The card offers 4 reward points for every Rs.150 spent on retail purchases, including insurance, utilities, and education. Additionally, cardholders can earn 20 reward points for every Rs.150 spent at select retailers, such as Marks & Spencer, Myntra, Nykaa, and Reliance Digital. These reward points can be redeemed for various benefits, including exclusive gold catalogue purchases, flight and hotel bookings, airmiles conversion, and products and vouchers.

The Regalia Gold Credit Card also provides comprehensive insurance coverage, including air accident coverage of Rs. 1 crore, emergency overseas hospitalization coverage of up to Rs. 15 lakhs, and card liability cover of up to Rs. 9 lakhs. Cardholders can also enjoy benefits like complimentary lounge access at over 1000 airports, flight vouchers, and Club Vistara memberships.

The HDFC Regalia First Credit Card is another option that offers reward points. Cardholders can earn 4 reward points for every Rs.150 spent on all retail purchases, including insurance, utilities, and education. Additionally, they can earn 5,000 reward points for annual spends of Rs. 3,00,000 or more and an additional 2,500 reward points for annual spends of Rs. 6,00,000 or more in each anniversary year. These reward points can be redeemed for benefits like flight bookings, hotel bookings, and cashback.

The Regalia First Credit Card also provides comprehensive protection, including accidental air death cover worth Rs. 50 lakhs, emergency overseas hospitalization coverage of up to Rs. 10 lakhs, and lost card liability cover of up to Rs. 5 lakhs. Cardholders can also enjoy a 1% fuel surcharge waiver at fuel stations across India.

Frequently asked questions