Hdfc Ergo Student Suraksha Travel Insurance policy

HDFC ERGO Student Suraksha-Student Overseas Travel Insurance Policy Introduction

Hdfc Ergo travel insurance has a special type of plan for students is Hdfc Ergo Student Suraksha Travel Insurance Policy that offers a wide range of benefits to those taking up studies abroad.HDFC ERGO Student Suraksha – Student Overseas Travel Insurance is a comprehensive travel insurance specially designed for students to ensure their financial security in case of any emergency.

Students are able to meet their ambition of studying abroad in any corner of the world and avail the best of education & career. However safety is always a concern for everybody, from the students to their families. To ensure this, HDFC ERGO brings you Hdfc Ergo Student Suraksha – Student Overseas Travel Insurance, is a comprehensive package policy for all students who are Indian residents and are traveling overseas for higher studies.

Students traveling overseas are already coping alone, they need help particularly as medical treatment abroad can be prohibitively expensive in most cases. under such circumstances Hdfc ergo student suraksha travel insurance plan is intended to cover medical expenses, trip cancellation,lost luggage,flight accident and other losses incurred while traveling.

Hdfc Ergo Student Suraksha-Student Overseas Eligibility and Conditions

Eligibility for Hdfc Ergo Student Suraksha Travel Insurance policy:

Hdfc Ergo student suraksha travel insurance offering a Comprehensive travel plan for Indian students studying abroad.
Age Limit for hdfc ergo student suraksha travel insurance policy is 16 to 35 Years.
Worldwide cover for 30 days to 2 years No medical check-up.

Hdfc Ergo Student Suraksha Travel Insurance policy Conditions :

For any insured, if there is any adverse history, as per the proposal form, then health reports are required irrespective of age & travel duration.
No refund is allowed for curtailment of risk.
No refund is allowed after journey commencement.

Hdfc Ergo Student Suraksha Travel Insurance Key Features and benefits

Hdfc Ergo Student Suraksha Travel Insurance policy benefits:

Composite coverage in a single policy.
Caters to all Indian students travelling abroad.
Hdfc Ergo Student Suraksha Travel Insurance policy does not require any medicals / health check up .
Hdfc Ergo Student Suraksha Travel Insurance policy provides worldwide cover from 30 days to 2 years
Option to include covers like maternity, childcare benefits, cancer screening & mammography.
examinations and mental & nervous disorders.

Hdfc Ergo Student Suraksha Travel Insurance policy Key Features:

1.Accidental Death:

Pays the family of the insured compensation in the case of loss of life in an accident.

2.Permanent Disablement:

Hdfc Ergo Pays compensation if the insured is permanently disabled in an accident.

3.Emergency Medical Expenses:

Reimburses the insured for medical expenses incurred for an accident or an unexpected sickness.

Medical Evacuation: Pay the actual costs or the total sum insured, stated in the schedule, whichever is lesser, for repatriating insured back to the country of residence.
Body Repatriation: Pay the actual costs or the total sum insured stated in the schedule, whichever is lesser, for repatriating insured corpse to the country of residence.

4.Emergency Dental Treatment:

Reimburses the insured for emergency dental expenses incurred for an injury or acute pain.

5.Loss of Passport:

In the event that the passport belonging to the insured is lost, the insured is reimbursed the actual expenses incurred in obtaining a duplicate or fresh passport.

6.Loss of Checked Baggage:

If baggage, personal documents or personal effects are checked onto a common carrier, the insured is reimbursed the cost of replacement for any damaged or lost articles.

7.Delay of Checked Baggage:

Provides an amount for emergency purchases on account of delay in baggage.

8.Personal Liability:

Pays a benefit for damages that an insured person is legally liable for as the result of a lawsuit for property damage being brought against the insured person. Also pays a benefit for medical expenses that an insured person is legally liable for as the result of a law suit for an accident caused by the insured person resulting in bodily injury to another person.

9.Bail Bond:

Hdfc Ergo Pays the bail amount for the insured on arrest or detention by police for a bail-able offence in the territory of travel.

10.Study Interruption:

Hdfc Ergo General Insurance company Pays compensation in the event of interruption of study whilst abroad according to the Hdfc ergo Student Suraksha-Student Overseas policy.

11.Sponsor Protection:

Pays tuition fees to the insured in the event of accidental death of insured’s sponsor.

12.Compassionate Visit:

Pays amount incurred to the insured in the event of compassionate Visit by one immediate family member.

13.Psychological Coverage:

Pays for treatment of mental and nervous disorders, including alcoholism and drug dependency.

14.Treatment for Expectant Mothers:

Pays for in-patient medical expenses related to pregnancy after a waiting period of 10 months.

15.Screening and Examinations:

Pays for cancer screening and mammographic examinations on recommendation from physician.

16.Childcare Benefit:

Pays for hospital cash benefits of childcare.

Hdfc Ergo Student Suraksha Travel Insurance Policy Cover

Hdfc Ergo Student Suraksha-Student Overseas Policy cover:

The existing Indian students who are studying abroad can also be covered under Hdfc Ergo Student Travel policy.

BENEFITS	PLATINUM	GOLD	SILVER	BRONZE	STANDARD
Emergency Medical Expenses (EME)	5,00,000	2,50,000	1,00,000	50,000	NIL
Deductibles	100	100	100	100	NIL
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
Deductibles	100	100	100	100	100
Loss of Passport	250	250	200	200	200
Deductibles	50	50	50	50	50
Medical Evacuation	Included in EME	Included in EME	Included in EME	Included in EME	NIL
Deductibles	NIL	NIL	NIL	NIL	NIL
Repatriation	Included in EME	Included in EME	Included in EME	Included in EME	NIL
Deductibles	NIL	NIL	NIL	NIL	NIL
Loss of Checked Baggage	2,000
Deductibles	Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI	Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI	Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI	Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI	Per Baggage Maximum 50% of SI & Per article Limit Maximum 10% of SI
Delay of Checked Baggage	200	200	150	100	Not Applicable
Deductibles	12 hours, $10 per, 8 hours	12 hours, $10 per, 8 hours	12 hours, $10 per, 8 hours	12 hours, $10 per, 8 hours	12 hours, $10 per, 8 hours
Personal Liability	1,00,000	1,00,000	1,00,000	1,00,000	1,00,000
Deductibles	NIL	NIL	NIL	NIL	NIL
Compassionate Visit ( 2 way )	7500	7500	7500	7500	7500
Deductibles	NIL	NIL	NIL	NIL	NIL
Study Interruption	7500	7500	7500	7500	7500
Sponsor Protection	10,000	10,000	10,000	10,000	10,000
Bail Bond	5,000	5,000	5,000	5,000	5,000
Deductibles	NIL	NIL	NIL	NIL	NIL

HDFC ERGO Student Suraksha-Student Overseas Travel Insurance Claim Process

Hdfc Ergo Student Suraksha Travel Insurance policy Claim Procedure:

If you are abroad, please contact +800 08250825 (International Toll Free). Incase you are dialling from India, please contact 01204507250 (Chargeable)
Hdfc Ergo Claims Service Representative will guide you on the claim procedures and documents required
A claim form will be forwarded to you by mail, email or fax
Complete the claim form relevant to the nature of loss as indicated below.
Kindly mail us scanned images of your claim documents on processing@hdfcergo.com , with cc to travelclaims@hdfcergo.com or fax us on +91-120-6691600 within 30 days from date of loss.

Documents Required For Claim Procedure:

Accidental Death	Attached Claim form (Page 1,2, Section A, Section C ) duly filled & signed by the treating doctor.(Mandatory Document) Consultation Note OR Emergency Room’s doctor medical report OR Relevant Treatment Papers OR Discharge Summary. (Mandatory Document) Copy of the passport showing the date of entry journey from India. All relevant Original Invoices for the expenses incurred. Receipt OR Any other document suggestive of payment made to the hospital. Postmortem Report or Coroner’s Report Death Certificate. Final police inspection report. Copy of cancelled cheque
Emergency Medical Expenses	Attached Claim form duly completed (Page 1,2,3 with Section B, Section C -mandatory). Consultation note or Emergency Room’s doctor medical report Relevant treatment papers or Discharge Summary. Copy of the passport showing the date of entry and exit related to journey (to & fro) from India. All relevant Original Invoices for the expenses incurred. Payment receipt for all invoices OR any other document suggestive of payment made to the hospital. Copy of cancelled cheque.
Emergency Medical Expenses – Accident Only	Attached Claim form duly completed (Page 1,2,3 with Section A,Section B, Section C -mandatory). Consultation note or Emergency Room’s doctor medical report Relevant treatment papers or Discharge Summary. Copy of the passport showing the date of entry and exit related to journey (to & fro) from India. All relevant Original Invoices for the expenses incurred. Payment receipt for all invoices OR any other document suggestive of payment made to the hospital. Police FIR report, if applicable Copy of cancelled cheque
Emergency Dental Treatment	Attached Claim form (Page 1,2,3 with Section B, Section C -mandatory) duly completed and signed by the claimant Consultation note or Emergency Room’s doctor medical report Relevant treatment papers or Discharge Summary. Copy of the passport showing the date of entry and exit related to journey (to & fro) from India. All relevant Original Invoices for the expenses incurred. Copy of cancelled cheque
Loss Of Baggage & Personal Documents	Attached Claim Form (Page 1,2,3 with Section F) duly completed and signed by the Insured. Original FIR Report to be obtained from the relevant police authority in the event of loss or theft. Copy of the old passport of the employee, if available. (In case of loss of passport). For claims involving jewelry, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance. Original embassy receipts OR Passport office Receipts for the replacement of Passport. (In case of loss of passport) Emergency travel certificate. (In case of loss of passport) Copy of the new passport. (In case of loss of passport) Copy of cancelled cheque Please Note: Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.
Checked Baggage Loss (Including Baggage Damage)	Attached Claim Form (Page 1,2,3 with Section D) duly completed and signed by the Insured. Original Property Irregularity Report (PIR) from airlines. Claim form submitted to airlines, mentioning the details items lost/damaged, with their respective cost. (Mandatory) Baggage Loss/Damage Report OR letter from airlines OR any other document from airlines confirming the loss of items. Copies of Boarding Pass, Ticket and Baggage tags. Copy of Passport showing the date of entry and exit related to journey (to & fro) from India. Details of Compensation received from Airlines If Any. Original Bills/Receipts for the items lost. Copy of cancelled cheque
Baggage Delay	Claim Form (Page 1,2,3 with Section F – duly completed and signed by the Insured. Original Property Irregularity Report (PIR) mentioning the date and time of loss. Letter from airlines mentioning the duration for which baggage delay has taken Place or any other document suggestive of proof of period for which baggage delay has taken place. (Mandatory) Copies of Boarding Pass, Ticket and Baggage tags. Copy of Passport showing the date of entry and exit related to journey (to & fro) from India. Details of compensation received from airlines If any. Original Bills/Receipts/Invoices for the necessary emergency purchases of toiletries, medication and clothing that he/she needed to buy during the period of baggage delay.(Mandatory) Copy of cancelled cheque Please Note: Claim payment can be made only against the receipts for expenses directly resulting from baggage delay.
Trip Cancellation	Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant Letter from insured mentioning the reason of trip cancellation with related proof Proof of travel and accomodation expenses made in advance for the trip Details of refundable amount from the airlines for tavel tickets Copy of cancelled cheque
Trip Interruption	Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant Letter from insured mentioning the reason of trip cancellation with related proof Proof of travel and accomodation expenses made in advance for the trip Details of refundable amount from the airlines, hotel booked in advance Copy of cancelled cheque
Loss of Cash	Attached Claim form (Page 1,2,3 ) duly completed and signed by the claimant Original/Photo Copy of FIR Report to be obtained from the relevant police authority in the event of loss or theft. This is a written proof confirming that the loss has occurred due to theft. Documentation of Cash withdrawal/Travelers cheques, occurring within seventy-two (72) hours of the commencement of an Insured Journey that supports the amount of the claim. Details of refundable amount from the airlines for tavel tickets Copy of the passport showing the date of entry and exit related to journey (to & fro) from India. Copy of cancelled cheque.
Flight Delay	Attached Claim form (Page 1,2,3 with Section H is mandatory) duly completed and signed by the claimant Invoices related to List of essential purchases made, such as meals, refreshments or other related expenses directly resulting from the flight delay. (mandatory) Confirmation letter from the airlines clearly stating the duration and the reason for flight delay (Mandatory) Copies of Boarding Pass, Ticket. Copy of cancelled cheque Please Note: Claim payment can be made only against the receipts for expenses directly resulting from flight delay.

Hdfc Ergo Student Suraksha Travel Insurance Premium Table

PLAN OPTION	PLATINUM		GOLD		SILVER		BRONZE		STANDARD
Sum Insured $	500000	500000	250000	250000	100000	100000	50000	50000
Trip Duration	Inc. USA/ Canada	Exc. USA/ Canad	Inc. USA/ Canada	Exc. USA /Canad	Inc. USA/ Canada	Exc. USA/ Canad	Inc. USA/ Canada	Exc. USA/ Canad	Worldwide
30 days	4127	1997	3244	1527	2274	1099	2043	988	768
60 days	8903	4308	6221	3019	4060	1953	3453	1757	1517
90 days	11758	5689	8891	4361	5803	2763	5417	2577	2191
120 days	14671	7099	11121	5396	7150	3439	6079	2790	2715
180 days	17584	8374	13372	6453	8518	4138	7195	3165	3259
270 days	25710	12244	20057	9667	12999	6230	11403	5067	4882
365 days	33836	18800	25860	13447	16593	8628	13059	5645	7287
456 days	44833	24910	34752	18071	22397	11646	18362	8555	9479
546 days	55829	31020	39232	20400	25112	13058	20836	9958	10547
636 days	61750	34309	45918	23877	29592	15388	25048	11941	12169
2 years	67671	37600	51720	26894	33188	17258	28193	13946	14574

Inclusive of 12.36% Service Tax

For more information regarding Income Tax Benefits, visit www.taxqueries.in.

PLAN OPTION	PLATINUM PLUS		GOLD PLUS		SILVER PLUS		BRONZE PLUS
Sum Insured $	500000	500000	250000	250000	100000	100000	50000	50000
Trip Duration	Inc. USA/ Canada	Exc. USA/ Canad	Inc. USA/ Canada	Exc. USA /Canad	Inc. USA/ Canada	Exc. USA/ Canad	Inc. USA/ Canada	Exc. USA/ Canad
30 days	5076	2456	3990	1878	2797	1351	2662	1339
60 days	10950	5299	7652	3714	4993	2402	4718	2380
90 days	14462	6998	10937	5364	7137	3398	6878	3312
120 days	18045	8732	13679	6637	8794	4230	8616	3780
180 days	21629	10300	16448	7937	10478	5089	10328	4331
270 days	31624	15060	24670	11890	15989	7663	14837	7128
365 days	41618	23124	31807	16540	20409	10613	18697	8276
456 days	55144	30639	42745	22227	27548	14325	26931	12370
546 days	68670	38154	48255	25093	30888	16062	30605	14452
636 days	75953	42201	56479	29369	36398	18927	32775	17237
2 years	83236	46248	63616	33080	40821	21227	37038	20186

Hdfc Ergo Student Suraksha Travel Insurance Inclusions and Exclusions

Inclusions

Exclusions

The HDFC ERGO shall be liable to pay any benefit to the Insured caused due to:

Emergency Medical Expenses,Emergency Medical Evacuation and Repatriation
Emergency Dental Expenses
Loss Of Baggage & Personal Documents
Checked Baggage Loss
Baggage Delay
Trip Cancellation
Trip Interruption
Loss of Cash
Flight Delay

The HDFC ERGO shall not be liable to pay any benefit to the Insured caused due to:

Occasioned by Civil War or Foreign War.
Terrorism
Any pathological fracture.
For cures of any kind and all stay in long term
For investigations, operations or treatment of a purely cosmetic nature; or for obesity.
Treatment of Nervous and Mental Problems
Participating in hazardous sports like parachuting, hang gliding, bungee jumping etc.
Nuclear Energy risks.
Injury caused by surgery.

Contact:

For queries & claims call : 1800 2 700 700 / 1800 226 226
Fax : 022-66383669 / 66383699
E-Mail : care@hdfcergo.com
Write to us : HDFC ERGO General Insurance Company Limited
(Corporate office) 6th floor, Leela Business Park, Andheri Kurla Road,
Andheri (East), Mumbai – 400 059

Hdfc Ergo Student Suraksha Travel Insurance FAQ

1.Hdfc Ergo Student Suraksha Travel Insurance Policy Cancillation?

A.The policy may be cancelled via request on Email/Fax, The intimation of policy cancellation has to reach us latest upto 14 days from the inception date of the policy. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.

2.Whom to contact in case of claim on the policy?

A.In the event of a covered emergency and to register claims, call HDFC ERGO at 24 hour Help Center and quote Policy Holders’ Name, Policy Number, Insurance Company, Passport Number when seeking assistance within 24 Hours.

The contact details are:
International Toll Free Number : +800 08250825
Landline no (Chargeable) : +91-120-4507250
Fax: +91-120-6691600
Email: travelclaims@hdfcergo.com
Address: HDFC ERGO General Insurance Company Limited
5th floor, Tower 1, Stellar IT Park,
C-25, Sector-62, Noida, UP, India – 201301

3.Where can one avail the claim forms?

A.On registration of a claim, claim form will be forwarded to by mail, email or fax along with the intimation for the various documents required. The forms are also available on the website.

5.How do i extend my policy?

A.Please send a request mail to Care@hdfcergo.com for extension of policy along with health declaration attached to it. You will receive a response from us with the detailed procedure and the additional premium amount.
6.For howw many days can the policy be extended?
A.The total policy period including extension should not exceed 2 years.
7.Can the sum insured be increased?
A.The Sum Insured cannot be increased.
8.What does deductable mean?
A.Deductible means the amount of a claim that has to be borne by the insured.
9.Will the claim be settled on my return to india?
A.Claims are settled on the receipt of original documents.Globalization has opened wide range of avenues for students today. As a result HDFC ERGO will ensure to safeguard your dreams & secure your aspirations.

This insurance policy will enable students to study abroad worry-free, whether they lose their passport/baggage or face any medical costs /emergency.

With HDFC ERGO Student Suraksha – Student Overseas Travel Insurance we safeguard you from unforeseen circumstances.

Hdfc Ergo Student Suraksha travel insurance forms and documents

Hdfc ergo student suraksha travel insurance policy wordings

Hdfc ergo student suraksha travel insurance prospectus

Hdfc ergo student suraksha travel insurance claim form

Hdfc ergo student suraksha travel insurance proposal form