HDFC ERGO Student Insurance

HDFC Ergo Student Suraksha plan Insurance Overview

• What does HDFC Ergo Student Suraksha plan covers?

  Platinum	Gold	Silver	Bronze	Standard
  Emergency Medical Expenses (EME) Deductible: $100
  $500,000	$250,000	$100,000	$50,000	This Plan Does not Cover for Accident and Sickness Medical Expenses
  Medical Evacuation & Repatriation
  Included Under Medical Expenses	Included Under Medical Expenses	Included Under Medical Expenses	Included Under Medical Expenses
  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  Deductible: $100
  $500	$500	$250	$250	$250
  Loss of Passport  Deductible: $50
  $250	$250	$200	$200	$200
  Loss of Checked Baggage(Waiting Period of 10 months is applicable for Pregnancy to be covered) Deductible: Per Baggage Max 50% of Sum Insured & Per article Limit Max 10% of Sum Insured
  $2,000	$2,000	$1,000	$1,000	$1,000
  Delay of Checked Baggage  Deductible: 12 hours, $10 per, 8 hours
  $200	$200	$150	$100
  Personal Liability
  $100,000	$100,000	$100,000	$100,000	$100,000
  Compassionate Visit (2 way)
  $7,500	$7,500	$7,500	$7,500	$7,500
  Study Interruption
  $7,500	$7,500	$7,500	$7,500	$7,500
  Sponsor Protection
  $10,000	$10,000	$10,000	$10,000	$10,000
  Bail Bond
  $5,000	$5,000	$5,000	$5,000	$5,000

• Coverage Descriptions of Hdfc Ergo Student Suraksha Plans

  • 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

  • Toll Free: 022 62346234
  • Email:care@hdfcergo.com

  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)

  • Claims: healthclaims@hdfcergo.com

  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.