Care vs HDFC Ergo Student insurance

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Compare Care vs HDFC Ergo Student Insurace

Travel Destination
Traveler Date of Birth
   
Travel Start Date
Travel End Date
days
* Name, Email Id & Mobile No. are required 
Care logo Care logo Care logo Hdfc ergo Hdfc ergo Hdfc ergo
Explore Plus
Explore Super
Explore Ultra
Student Bronze Plus
Student Bronze
Student Standard
Brochure
Brochure Brochure Brochure Brochure Brochure Brochure
Accident & Sickness Medical Expenses
$50,000            Deductible: $100 $50,000            Deductible: $100 $50,000            Deductible: $100 $50,000            Deductible: $100 $50,000             Deductible: $100 $50,000             Deductible: $100
Medical Evacuation
$7,500 Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
Repatriation of Remains
$7,500 Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
AD and D or Personal Accident
$15,000 $30,000 $30,000
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
Pre - existing conditions cover
Upto 10% sum insured of medical expenses Deductible: $100 Upto 10% sum insured of medical expenses Deductible: $100 Upto 10% sum insured of medical expenses Deductible: $100 Not Avaliable Not Avaliable Not Avaliable
Personal Liability
$100,000            Deductible: $200 $100,000            Deductible: $200 $100,000            Deductible: $200 $100,000            Deductible: NIL $100,000            Deductible: NIL $100,000            Deductible: NIL
Study Interruption
$7,500 $10,000 $15,000 $7,500             Deductible: NIL $7,500             Deductible: NIL $7,500             Deductible: NIL
Compassionate Visit(2-Way)
Not Available $5,000 $7,500 $7,500 $7,500 $7,500
Tution Fee
Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable
Loss of Checked Baggage
$500 $1,000 $2,000
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
$150             Deductible: $50 $150             Deductible: $50 $200             Deductible: $50
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
Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable
Trip Delay
Not Avaliable Not Avaliable $200             Deductible: 12hrs Not Avaliable Not Avaliable Not Avaliable
Missed Connection
Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable
Bail Bond Insurance
$500 $5,000 $5,000 $5,000             Deductible: NIL $5,000             Deductible: NIL $5,000             Deductible: NIL
Sponsor Protection
$10,000 $15,000 $15,000 $10,000 $10,000 $10,000
Child care benefit
Not Avaliable Not Avaliable Not Avaliable $100 per day for a maximum of 7 days Not Avaliable Not Avaliable
Physiotherapy
Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable Not Avaliable
Cancer Screening and Mammography
Not Avaliable $2,000 $4,000 $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
Care HDFC ERGO
Claims Settlement Ratio ** 66.59% 61.24%
Number of Lives Covered * 827,689 267,698
Number of policies issued * 509,990 190,335
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website

Compare Care international student health and HDFC ERGO Student health insurance

Key features of Care

  • Optional Covers like Maternity Cover, Pre-existing cover under life threatening situation, Adventure sports injury, HIV / AIDS cover, Vision care and self-inflicted injury.
  • Flexibility to choose your coverage.
  • Extended coverage in country of residency and coverage at home country.
  • Offers coverage for Bail Bond, Laptop / Tablet, Sponsor Protection.
  • It is a cheaper and affordable plan. There is no pre-policy medical check-up.

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

Student Insurance useful links

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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FAQ

Student insurance FAQ

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Compare student plans

Compare benefits of Student Insurance.

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Blogs

Eindia Insurance - Blog.

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Resourceful Indian student insurance links

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