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HDFC ERGO Student Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. Headquartered in Mumbai, HDFC Ergo currently operated across India through 120+ branches in 106 cities with 3000+ employees. The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space.
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HDFC Ergo has entered the Retail Travel Insurance space and offer comprehensive Travel insurance solutions to the India traveller including Student Health insurance. Going with their strong brand name, prompt claims servicing, HDFC Ergo have started becoming a strong player in the Retail Travel insurance space for the past few years.

Policy Wordings     Buy Online    

Insured’s Eligibility Criteria for HDFC Ergo’s Travel Plans:

Plans Adult Insured Children
Student Plan Maximum entry age is 35 years at the commencement date of the policy Minimum entry age is 16 years
  • Foreign nationals employed in India and earning salary in Indian Rupees can be covered under HDFC Ergo plans
  • Foreign nationals domiciled in India are also eligible to purchase HDFC Ergo’s Travel policies.
They also offer plans across various Geographies And Sum Insureds (for Accident & Sickness Medical Expenses) across the world. Their Countries Included in their respective plans are as below:

Student Suraksha Plan

Plans Countries Covered Sum Insured Options (Accident & Sickness Expenses)
Student Suraksha Student Insurance Plan Options available for both Including and Excluding USA & Canada Bronze - $50,000
Silver - $100,000
Gold - $250,000
Platinum - $500,000

Student Suraksha – Student Insurance Plans

HDFC Ergo also offers comprehensive student insurance policies for students proposing to pursue their higher education at Universities abroad. Their Student Suraksha Plan probably has more variants than most other student insurance plans in the market. The student can avail the plan for durations as low as 30 days and extending upto 2 years. This plan is eligible for students between the ages of 16 and 35 years of age.

They have five options to choose from under their umbrella plan namely Bronze (Medical Expense coverage of $50,000), Silver ($ 100,000), Gold ($250,000), Platinum ($500,000) apart from a Standard Plan, which doesn’t offer any Medical Expense coverage. If the student would opt for purchasing the University offered insurance plan, they can opt for the Standard Plan to ensure coverage for benefits other than Medical Expenses, which are relevant while they pursue their studies abroad.

Apart from the traditional travel insurance coverages like Accident & Sickness Expenses, Dental Expenses, Personal Accident included Accidental Death & Permanent Total Disability, Loss and Delay of Baggage Checked in with the Carrier, Personal Liability, Medical Evacuation and Repatriation of Mortal Remains the plan also offer Coverages specific to the Student which include Compassionate Visit (2 way), Sponsor Protection, Study Interruption and Bail Bond. HDFC also offers the students an option to Top up their basic plans with a “Plus” Option to include coverages like Inpatient Pregnancy related Medical Expenses, Treatment of Mental & Nervous Disorders, Cancer Screening and Mammography Examinations and Childcare Benefits for an additional premium.
Platinum Gold Silver Bronze Standard
Emergency Medical Expenses (EME)
 $500,000  $250,000  $100,000  $50,000  NIL
 $100  $100  $100  $100  NIL
Accidental Death
 $25,000  $20,000  $20,000  $20,000 20,000
Permanent Total Disability
 $25,000  $20,000  $20,000  $20,000  $20,000
Emergency Dental Treatment
 $500  $500  $250  $250  $250
 $100  $100  $100  $100  $100
Loss of Passport
 $250  $250  $200  $200  $200
 $;50  $50  $50  $50  $50
Medical Evacuation
 Included in EME  Included in EME  Included in EME  Included in EME  NIL
 Included in EME  Included in EME  Included in EME  Included in EME  NIL
Loss of Checked Baggage*
 * Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI  * Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI  * Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI  * Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI  * Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI
Delay of Checked Baggage
 $200  $200  $150  $100  Not Applicable
 12 hours, $10 per, 8 hours  12 hours, $10 per, 8 hours  12 hours, $10 per, 8 hours  12 hours, $10 per, 8 hours  12 hours, $10 per, 8 hours
Personal Liability
 $100,000  $100,000  $100,000  $100,000  $100,000
Compassionate Visit ( 2 way )
 $7500  $7500  $7500  $7500  $7500
Study Interruption
 $7500  $7500  $7500  $7500  $7500
Sponsor Protection
 $10,000  $10,000  $10,000  $10,000  $10,000
Bail Bond
 $5,000  $5,000  $5,000  $5,000  $5,000

The coverage descriptions Student Suraksha Plans are below:

Medical Expenses (including Medical Evacuation / Repatriation of Remains) This coverage is the most important cover under any Travel insurance plan, and it covers
  1. Actual expenses incurred for Out Patient Treatment, Hospitalization Expenses for any illness or injury sustained while abroad.
  2. Medical Evacuation to a nearby location or to India due to a lack of medical facilities available subject to obtaining prior approval from insurer’s end for further treatment.
  3. Repatriation of Remains is the expenses incurred to transport the mortal remains of the insured back to India.

Dental Expenses Coverage for actual expenses incurred resulting from sickness or accident to the teeth of the insured sustained during a Trip abroad.

Accidental Death / Permanent Total Disability This is a compensation paid to the insured’s nominee in the even of unfortunate demise of the insured as a result of an accident while abroad. Similarly if the insured is in an accident resulting in a Permanent Total Disability, compensation is payable to the insured.

Loss of Baggage / Loss of Personal Documents This benefit will reimburse the insured person the cost of replacement articles for any damaged or lost articles due to the loss of baggage / personal documents in the custody of the common carrier.

Loss of Passport In the event that the passport belonging to the Insured is lost, the Insured is reimbursed for actual expenses incurred in obtaining a duplicate or fresh passport abroad.

Delay of Checked Baggage This benefit pays for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours

Compassionate Visit (2 way) If the insured person is hospitalized on account of an illness/accident for a period exceeding 7 days and requires assistance from an immediate family member, the insurance company shall reimburse the cost of a round trip economy class flight ticket incurred by the immediate family member. Similarly if the insured’s parent’s/spouse/child is hospitalized for a period exceeding 10 days, the insurance company shall reimburse the cost of a round trip economy class flight ticket incurred by the insured.

Study Interruption In the event of Hospitalization of the insured person of more than one consecutive month due to a covered Injury or Sickness or the death of an immediate family member and the insured student is unable to continue his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the University.

Sponsor Protection In the case of injury to the Insured Person’s Sponsor (as stated in the Enrolment Form) resulting in Death or Permanent Disablement, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education.

Bail Bond The insurance company will pay costs relating to the bail bond if the insured student incurs, as a result of any inadvertent law breaking or false arrest in a bailable offence or wrongful detention by any government during his/her travel overseas.

Claims and Assistance under HDFC Ergo Travel policies

HDFC Ergo is one of the most prompt claims paying insurers in India and they have been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability across all product lines. For Travel, the following are the Assistance numbers to reach out to for any support required during the tenure of the policy:

Dedicated 24X7 Contact Center For Travel Policy – Only Insurer to have single Tollfree no. worldwide
  • Toll Free +800 08250825 (outside India)
  • Chargeable No. 01204507250 (Within India)
Authorization related issues ( request, extension, enhancement, etc)
Pre-auth: preauth@hdfcergo.com

Network Service Provider related issues abroad
NSP: nsp@hdfcergo.com

Claim Related issues (intimation, status, query, payments, dispatch, etc) For Submission of Claims or claim related documents

Office Address: HDFC ERGO General Insurance Co. Ltd.
5TH Floor, Tower 1, Stellar IT Park, C – 25 , Sector -62,
NOIDA – 201301 , Uttar Pradesh.

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