HDFC ERGO Student Suraksha Student Overseas Travel Insurance

Why Choose HDFC ERGO Travel Insurance?

Offered by HDFC ERGO General Insurance Company Ltd., this comprehensive travel insurance is designed for students going abroad for various courses. It ensures their financial security and enables them to study abroad without any worries.

It covers contingencies like passport loss, bail bond, medical evacuation and repatriation, study interruption, emergency dental expenses, sponsor protection, and more. The plan is available in five variants, offering coverage benefits at various budgets.

HDFC ERGO Student Suraksha: Student Overseas Travel Insurance Plan Variants

This Student Suraksha plan by HDFC ERGO Travel Insurance offers varying benefits through its following plan variants:

Other than these, this HDFC ERGO Student Suraksha Student Overseas travel insurance also offers additional coverage for all plus plans. These include:

• Treatment of alcoholism and drug dependency
• Inpatient medical expenses related to pregnancy
• Cancer screening and mammography examinations

However, a waiting period of 10 months is applicable for pregnancy to be covered by the insurance policy.

HDFC ERGO Student Suraksha: Student Overseas Travel Insurance Eligibility Criteria

Any Indian student between the ages of 16 and 35 years can buy this HDFC ERGO Student Suraksha Student Overseas travel insurance policy. They must be Indian citizens who have successfully enrolled in a study course abroad.

While this policy does not require health checkups, if the proposer has an adverse history, they may be asked to provide health reports.

HDFC ERGO Student Suraksha Inclusions

The policy safeguards you from several unforeseen situations. Some of these policy benefits or inclusions are mentioned below:

• Emergency Medical Expenses: The policy will cover expenses due to sickness or injuries incurred abroad. Some of these charges include ambulance, emergency room, operating room and necessary medical costs up to the sum insured.
• Accidental Death: The insurer will pay the insured's beneficiary as per the policy in case of bodily injury resulting in their death.
• Permanent Disablement: In case the policyholder gets a severe body injury leading to a disability, then they will get compensation from the insurer as per the policy schedule. These include loss of limbs, sight, speech, hearing, mastication, and more.
• Baggage Loss: The policy will reimburse the loss of checked-in baggage, personal documents and personal effects that were damaged or lost in transit.
• Baggage Delay: The company will reimburse you in case your baggage is delayed.
• Personal Liability: If you accidentally become legally liable to another party while on your trip, the insurer will compensate you.
• Passport Loss: In case your passport is stolen or lost abroad, your insurer will reimburse you for the expenses incurred in getting a fresh one.
• Bail Bond: In case you are detained or arrested for a bailable offence abroad, your insurer will compensate you for the bail amount depending on the policy terms.
• Study Interruption: If your course abroad is interrupted because of severe medical emergencies or the death of an immediate family member, your travel insurance policy will reimburse you for the tuition fees that have already been advanced to your college/university.
• Sponsor Protection: In the case of the sponsor's (the person sponsoring your education abroad) death, the insurer will reimburse the tuition fee incurred for the remaining period of their education. However, please note that simultaneous claims for study interruption and sponsor protection are not allowed.
• Compassionate Visit: Under certain circumstances, the insurer will cover the travel expenses of one immediate family member. This includes hospitalisation for more than seven days, whether the insured person or their immediate family member is back in India.

HDFC ERGO Student Suraksha Exclusions

The insurer will not cover any expenses under certain circumstances. These general exclusions have been mentioned below

• Expenses incurred if taking the journey for planned medical treatment.
• Treatment costs incurred because of pre-existing conditions
• Expenses beyond territorial limits
• Conditions arising due to Civil/Foreign War acts of Terrorism/ Riots/ Communal Violence etc.
• Costs arising due to self-inflicted injury, suicide or voluntary participation in any Criminal Act.
• Expenses in cases of non-adherence to medical advice or under the influence of Liquor, Drugs or Narcotics.
• Expenses due to participation in any Sport as a Professional Player or in hazardous sports like parachuting, hang gliding, bungee jumping etc.

Please review the policy wording before your purchase for the complete list of general and specific exclusions.

HDFC ERGO Student Suraksha Claim Procedure

Having a travel insurance policy is essential for any person travelling abroad, however, even more important is to make timely claims and be prepared in case of emergencies. You can easily raise a claim under this HDFC ERGO Student Suraksha Student Overseas Travel Insurance plan by following these steps:

• In case of an emergency, inform your TPA or insurer visa available options (toll-free number or email)
• Prepare the documents required for your claim
• Send the necessary documents via fax, email or post
• Once your documents have been verified, your insurer will process your claim accordingly.

Please note that you must raise a claim within 30 days of the incident.

How to Buy HDFC ERGO Student Suraksha Plan

You can buy this HDFC ERGO Student Suraksha Plan through Policybazaar.com or directly through the insurer's website. If buying through Policybazaar, follow these steps:

• Visit Policybazaar.com and click on the 'Travel Insurance' section on the menu
• On the available form, enter your destination(s), trip duration, age and other details.
• Proceed to 'View Plans' and select the 'Insurer' filter to get a list of available HDFC Ergo travel insurance plans
• Browse through the various types of plans and select the plan you wish to buy.
• Check the quote and click on 'Buy Now'
• Provide the necessary details and proceed to payment
• Select a suitable payment mode and pay the premium. You can pay the premium online via debit card, credit card, or net banking.