TATA AIG vs HDFC ERGO international student insurance

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Compare TATA AIG vs HDFC ERGO Student Insurace

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tata aig medicare tata aig medicare tata aig medicare tata aig medicare Hdfc ergo Hdfc ergo Hdfc ergo
Student Guard Plan A Student Guard Plan B Student Guard Ultimate
Student Supreme Student Bronze Plus
Student Bronze
Student Standard
Brochure
Brochure Brochure Brochure Brochure Brochure Brochure Brochure
Accident & Sickness Medical Expenses
$50,000            Deductible: $100 $100,000            Deductible: $100 $250,000             Deductible: $100 $500,000            Deductible: $100 $50,000            Deductible: $100 $50,000             Deductible: $100 Not Available
Medical Evacuation
$5,000 $10,000 $15,000 $25,000 Included under Medical Expenses Included under Medical Expenses Not Available
Repatriation of Remains
$2,500 $5,000 $7,500 $10,000 Included under Medical Expenses Included under Medical Expenses Not Available
AD and D or Personal Accident
$10,000 $25,000 $25,000 $50,000
Bronze plus:$20,000
Silver plus:$20,000
Gold plus:$20,000
Platinum plus:$25,000
Bronze:$20,000
Silver:$20,000
Gold:$20,000
Platinum:$25,000
$20,000
AD & D Common Carrier
Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable
Pre - existing conditions cover
$500 $1,000 $2,500 $5,000 Not Avaliable Not Avaliable Not Avaliable
Sickness Dental Relief
$250        Deductible: $100 $300        Deductible: $100 $400        Deductible: $100 $500        Deductible: $100
Bronze plus:$250
Silver plus:$250
Gold plus:$250
Platinum plus:$500
Deductible: $100
Bronze:$250
Silver:$250
Gold:$250
Platinum:$500
Deductible: $100
$250             Deductible: $100
Personal Liability
$100,000             Deductible: $200 $100,000             Deductible: $200 $500,000            Deductible: $200 $500,000            Deductible: 200 $100,000            Deductible: NIL $100,000            Deductible: NIL $100,000            Deductible: NIL
Study Interruption
$7,500 $7,500 $15,000 $25,000 $7,500             Deductible: NIL $7,500             Deductible: NIL $7,500             Deductible: NIL
Compassionate Visit(2-Way)
$1,500 $5,000 $7,500 $10,000 $7,500 $7,500 $7,500
Tution Fee
Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable
Loss of Checked Baggage
$500 $1,000 $2,000 $2,500
Bronze plus & Silver plus:$1,000
Gold plus & Platinum plus:$2,000
Deductible: Per Baggage Max. 50% of SI & Per article Limit Max.10% of SI
Bronze & Silver:$1,000
Gold & Platinum:$2,000
Deductible: Per Baggage Max. 50% of SI & Per article Limit Max.10% of SI
$1,000
Deductible: Per Baggage Max. 50% of SI & Per article Limit Max.10% of SI
Loss of Passport
$250        Deductible: $30 $250        Deductible: $30 $250        Deductible: $30 $250        Deductible: $30
Bronze plus & Silver plus:$200
Gold plus & Platinum plus:$250
Deductible: $50
Bronze & Silver:$200
Gold & Platinum:$250
Deductible: $50
$200             Deductible: $50
Hijack Cash Benefit
$100 per day; Maximum $500 Deductible: 1 Day $100 per day; Maximum $500 Deductible: 1 Day $100 per day; Maximum $500 Deductible: 1 Day $100 per day, Maximum $500 Deductible: 1 Day Not Avaliable Not Avaliable Not Avaliable
Trip Delay
$10 per 12hrs, Max $100             Deductible: 12 hours $10 per 12hrs, Max $100             Deductible: 12 hours $10 per 12hrs, Max $100             Deductible: 12 hours $10 per 12hrs, Max $100             Deductible: 12 hours Not Avaliable Not Avaliable Not Avaliable
Missed Connection
$250        Deductible: $25 $500        Deductible: $50 $750        Deductible: $75 $1,000       Deductible: $100 Not Avaliable Not Avaliable Not Avaliable
Bail Bond Insurance
$500 $1,000 $5,000 $5,000 $5,000             Deductible: NIL $5,000             Deductible: NIL $5,000             Deductible: NIL
Sponsor Protection
$10,000 $10,000 $20,000 $25,000 $10,000 $10,000 $10,000
Child care benefit
$250 $500 $1,000 $1,500 $100 per day for a maximum of 7 days Not Avaliable Not Avaliable
Physiotherapy
$500 $500 $500 $500 Not Avaliable Not Avaliable Not Avaliable
Cancer Screening and Mammography
$250 $500 $1,500 $3,000 $2000 Not Avaliable Not Avaliable
Add-on benefit for HDFC Ergo Student Medical Insurance
(The following Add-on Benefits are available for Bronze, Silver, Gold and Platinum Plus plans)
Treatment of mental and nervous disorders, including alcohol and drug dependency (limited to inpatient hospitalization in a Hospital/Nursing Home for a period more than 24 hours)
$1,000
Deductible: NIL
Inpatient medical expenses related to pregnancy(After a waiting period of 10 months) $500
Cancer Screening & Mammography Examinations $2,000
Child Care Benefits
$100 per day for a maximum of 7 days
Deductible: 2 days
TATA AIG HDFC ERGO
Claims Settlement Ratio ** 66.59% 88.43%
Number of Lives Covered * 827,689 654,583
Number of policies issued * 509,990 506,493
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website

Compare TATA AIG international student health and HDFC ERGO Student health insurance

Key features of TATA AIG

  • Full refund of premium if rejected by the university
  • Will help complete University Waiver form if required
  • Special approval possible for students already outside India
  • Offers coverage for Study Interruption, Sponsor protection, 2 way Compassionate visit
  • Premium paid in Indian rupees while coverage is in US dollars

Key features of HDFC ERGO

  • Pro rata refund of premium if not accepted by University.
  • Will help complete University Waiver form if required.
  • Special approval for students already outside India.
  • Offers coverage for Bail Bond, tuition fees, family visit.
  • Pay for insurance in Indian Rupees with coverage provided in US dollars.

Student Insurance Partners

Student Travel Insurance
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Student Travel Insurance is an insurance policy specifically designed for students travelling abroad on student visa to pursue their higher studies. The policy covers students who are enrolling in colleges, universities or institutes in a foreign country for professional/other academic courses. There are coverages specific to students that include Sponsor Protection, Compassionate Visit , Bail Bond and Study Interruption.
Coverages Offered
  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Treatment of Mental Disorders
  • Cancer Screening and Mammography
  • Maternity Coverage
  • Study Interruption
  • Sponsor Protection
  • Missed Connection
  • Compassionate Visit (2 way)
  • Emergency Cash Advance
Policy Exclusions
  • Travelling against the advice of a Physician
  • Pre-existing Conditions
  • Serving in any branch of the Naval, Military or Air Forces
  • Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants
  • Ionising radiation or contamination by radioactivity from any nuclear fuel
  • External congenital anomalies
  • Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
  • Ayurvedic, Homeopath or naturopathy treatments

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Student outside India

Student medical insurance for Indian students already outside India.

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Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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