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HDFC ERGO Student Insurance

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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.

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

Plans Sum Insured
Student Plan Age limit:16-35
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 Deductible
Emergency Medical Expenses (EME)
$500,000 $250,000 $100,000 $50,000 This Plan Does not Cover for Accident and Sickness Medical Expenses $100
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
$500 $500 $250 $250 $250 $100
Loss of Passport
$250 $250 $200 $200 $200 $50
Loss of Checked Baggage(Waiting Period of 10 months is applicable for Pregnancy to be covered)
$2,000 $2,000 $1,000 $1,000 $1,000 Per Baggage Max 50% of Sum Insured & Per article Limit Max 10% of Sum Insured
Delay of Checked Baggage
$200 $200 $150 $100 12 hours, $10 per, 8 hours
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  
Additional coverage for all Plus plan
Inpatient medical expenses related to pregnancy
(Waiting Period of 10 months is applicable for Pregnancy to be covered)
Treatment of Mental & Nervous Disorders including alcoholism & drug Dependency $1,000
Cancer Screening & Mammography Examinations $2,000
Childcare Benefits $100 per day,max. 7 days
Deductibles 2 days
*Waiting Period of 10 months is applicable for Pregnancy to be covered

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
  • 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.

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