Robinhood Insurance Broker Private Limited

HDFC ERGO Student Suraksha Travel Insurance

HDFC ERGO
General Insurance Company Ltd.

HDFC ERGO General Insurance Company Ltd. is a 74:26 joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. 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.

Contact Details

Toll Free - 1800 2 700 700

Product Overview of HDFC ERGO Student Suraksha Travel Insurance

HDFC ERGO Student Suraksha – Student Overseas Travel Insurance is a comprehensive travel insurance specially designed for students to ensure their financial security in case of any emergency. This insurance policy will enable students to study abroad worry-free, whether they lose their passport/baggage or face any medical costs /emergency.

Unique Features of HDFC ERGO Student Suraksha Travel Insurance

Comprehensive Travel Insurance for students

Instant Online Policy

24X7 International Assistance

No Health Check Up

Optimum coverage at low costs

Eligibility Criteria for HDFC ERGO Student Suraksha Travel Insurance

Product NameTravel Guard
Minimum Age of Entry 16 years
Maximum age of Entry 35 years
Renewal Age Upto 35 Years
Sum Insured   $50,000/ $1,00,000/ $2,50,000/ $5,00,000
Policy Tenure 30 days to 2 years
Family Definition Individual
Premium Calculated on Basis of Age, Trip duration, Destination and Sum Insured

Product Benefits of HDFC ERGO Student Suraksha Travel Insurance

Single Trip Plan Benefits
Benefits Platinum Gold Silver Bronze Standard
Emergency Medical Expenses (EME)  5,00,000  2,50,000 1,00,000  50,000 NIL
Deductibles  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
Deductibles  100 100 100 100 100
Loss of Passport  250 250 200 200 200
Deductibles  50  50  50 50 50
Medical Evacuation  Included in EME  Included in EME  Included in EME  Included in EME  NIL
Deductibles  NIL NIL NIL NIL NIL
Repatriation  Included in EME  Included in EME  Included in EME  Included in EME  NIL
Deductibles  NIL  NIL NIL NIL NIL
Loss of Checked Baggage 2,000        
Deductibles  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
Deductibles  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  1,00,000 1,00,000 1,00,000  1,00,000  1,00,000 
Deductibles  NIL NIL NIL NIL NIL
Compassionate Visit ( 2 way )  7500 7500 7500 7500 7500
Deductibles  NIL NIL NIL NIL NIL
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
Deductibles  NIL NIL NIL NIL NIL


ADDITIONAL COVERAGE FOR ALL PLUS PLAN
BENEFITS
Inpatient medical expenses related to pregnancy 500
Deductibles  NIL
Treatment of Mental & Nervous Disorders including alcoholism & drug Dependency  1000
Deductibles  NIL
Cancer Screening & Mammography Examinations  2000
Childcare Benefits  100 per day/max. 7 days
Deductibles  2 days 

Exclusions for HDFC ERGO Student Suraksha Travel Insurance

The company shall not be liable to pay any benefit to the Insured caused due to:

    1. Any Medical Expenses incurred when the specific purpose of a journey is to receive medical treatment or advice.
    2. Any Medical Expenses incurred, the need of which arises out of a Pre-existing Conditions.
    3. Any Medical Expenses incurred within the territorial limits that are not stated in the schedule.
    4. For treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity.
    5. Any pathological fracture.
    6. For cures of any kind and all stay in long term care institutions (retirement homes, convalescence centers, centers of detoxification, etc.).
    7. For investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency.
    8. For Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hang-gliding, parasailing, off-piste skiing or bungee jumping, skiing, jet skiing, paragliding, parachuting and racing of any type.
    9. For Bodily Injury sustained as the result of Terrorism.
    10. Nuclear Energy risks.
    11. Injury caused by surgery.

Exclusions Applicable to Bodily Injury or Sickness:

  1. Occasioned by Civil War or Foreign War.
  2. Caused or provoked intentionally by the Insured.
  3. Due to wilful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt threat, or arising out of non-adherence to medical advice.
  4. Sustained or suffered whilst the Insured is or as a result of the Insured being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician.
  5. Due to a gradually operating cause.
  6. Sustained whilst or as a result of participating in any sport as a professional player.
  7. Sustained whilst or as a result of participating in any competition involving the utilization of a motorized land, water or air vehicle.
  8. Whilst the Insured is travelling by air other than as a fare paying passenger on an aircraft registered to an Airline Company for the transport of paying passengers on regular and published Scheduled routes.
  9. Whilst or as a result of participating or committing or attempting to commit a breach of law with criminal intent.
  10. Caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused.
  11. Caused by or arising from or due to venereal or venereal related disease.
  12. Sustained whilst or as a result of engaging in, practicing for or taking part in training peculiar to any kind of violent labour disturbance, riot or civil commotion or public disorder.
  13. Sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, notwithstanding that the Bodily Injury occurred whilst the Insured was on leave or not in uniform.

Please refer the policy wordings for detailed list of exclusions.

Claim Process for HDFC ERGO Student Suraksha Travel Insurance

Service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.

Service Provider details

International Toll Free +800 08250825
India 01204507250 (Chargeable)
Email processing@hdfcergo.com
travelclaims@hdfcergo.com
Fax (+91-120-6691600 )

Know Claim Process


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