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TATA AIG vs HDFC ERGO international student insurance

TATA AIG vs HDFC ERGO international student insurance

Compare TATA AIG vs HDFC ERGO Student Insurace


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
Insurance Companies offering student medical insurance
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