Knowledge Centre
  • Introduction
  • What's included?
  • What's not included?
  • Why Choose HDFC ERGO?
  • FAQs

Travel Insurance For Students

 

Your idea to study abroad in your dream university will definitely give an edge to your future. It will open millions of opportunities for you to explore and help you carve a niche in your career. Studying abroad is fun and is indeed a life changing decision; however it comes along with decent amount of risks. If you are planning to study outside India and stay abroad for a prolonged period, it is important to buy a student travel insurance policy to eliminate financial risks. HDFC ERGO offers Student Overseas Travel Insurance Plan, which covers your medical expenses, stay disruption; baggage related risks and travel related risks seamlessly.

Wherever you choose to pursue your overseas education, we will cover you!

Worldwide, excluding USA and Canada
Worldwide, excluding USA and Canada
Found your dream course in a remote part of the world? We have got you covered with a travel insurance plan that is customised for students. So, you can always keep your physical and mental health a priority.
Worldwide coverage
Worldwide coverage
The world is your classroom! Find your calling and walk towards it with a course anywhere in the world as we protect and secure you and your belongings worldwide, so you can kick start your learning journey, no matter where you are.

What’s Included?

Medical Related Coverage

Emergency Medical Expenses
Emergency Medical Expenses

Being a student in a foreign land, sudden sickness or injury may take a toll on your finances, with our insurance we provide cashless medical treatment in case of hospitalisation.

Emergency Dental Expenses
Emergency Dental Expenses

Maintain that smile as we reimburse for dental expenses in case of injury or acute pain.

Medical Evacuation
Medical Evacuation

We will literally get you out of distressing situations with emergency medical evacuation via air/surface to the nearest hospital.

Body Repatriation
Body Repatriation

In case of death, we’ll bear the cost to transfer the mortal remains to the home country.

Accidental Death
Accidental Death

We will pay you a lump sum amount in case of an unfortunate accidental event leading to the death.

Permanent Disablement
Permanent Disablement

While we cannot compensate for your loss, we promise to help by compensating in case of permanent disability in an accident.

Permanent Disablement
Permanent Disablement

If an unfortunate accident causes permanent disability, we’ll provide a lump-sum compensation to make things a little easier for you.

Baggage-related coverage

Loss of checked baggage
Loss of checked baggage

Don’t let lost luggage slow you down as you embark upon a new journey in life. Let us compensate for the loss.

Delay of checked baggage
Delay of checked baggage

Kick start your classes even without your luggage with funds for emergency purchases in case of baggage delay.

Stay-related

Personal Liability
Personal Liability

In a foreign land, if you are accidentally liable for any third party damage, we will compensate you for the same.

Bail Bond
Bail Bond

We would help you out of a legal difficulty by paying the bail amount on arrest/detention for a bailable offense.

Study Interruption
Study Interruption

Refund of tuition fees in case your study gets interrupted due to prolonged hospitalisation or death of immediate family member/sponsor.

Sponsor Protection
Sponsor Protection

Your guardian became an angel? We’ll pay tuition fees in the event of accidental death of your sponsor.

Compassionate Visit
Compassionate Visit

Nothing better than a familiar face in a foreign country. Any immediate family member’s visit is on us in case you are hospitalized for more than 7 days.

Loss of Passport
Loss of Passport

Fret not! We’ll reimburse you for a new one.

What’s Not Included?

Breach of Law
Breach of Law

Any sickness or health issues caused to due to war related injury, or a breach of the law.

Consumption of Intoxicant substances
Consumption of Intoxicant substances

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

Pre existing diseases
Pre existing diseases

If you’re suffering from a disease travelling or undergo treatment for an illness which already exists, we do not cover it.

Cosmetic and Obesity Treatment
Cosmetic and Obesity Treatment

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

Self Inflicted Injury
Self Inflicted Injury

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

Adventure Sports
Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Pay only for the days you travel

Wondering if you end up paying for more days than you actually travel? Take it easy! You can now get travel insurance for a specific number of days and pay simply on per day basis.
Why HDFC ERGO?

Say Good Bye to Medical Check-ups

No need to undergo any health check-up to get HDFC ERGO Travel Insurance.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need 24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Pay only for the days you travel

Wondering if you end up paying for more days than you actually travel? Take it easy! You can now get travel insurance for a specific number of days and pay simply on per day basis.

Say Good Bye to Medical Check-ups

No need to undergo any health check-up to get HDFC ERGO Travel Insurance

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

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Frequently asked questions

Students between 16 to 35 years planning to study abroad can purchase the policy.
Yes, the policy provides worldwide cover from 30 days to 2 years.
No. Your policy start date & purchase date cannot be later than your trip commencement date.
Yes, you can buy student travel insurance if you declare pre-existing disease. However, policy excludes medical expenses due to pre-existing disease condition.
In case of accidental death of the sponsor, tuition period for the remaining period will be reimbursed up to the max limit as mentioned in the policy schedule.
In case your study gets interrupted due to prolonged hospitalisation of more than a month due to injury or sickness, or due to accidental death of the sponsor, thereby leading to discountinuation of studies for the remaining semester, then the advance tuition fees paid to the educational institution will be reimbursed minus actual refunds.
In case the insured gets hospitalised for more than 7 consecutive days, and no adult family member is present to attend to him/her, the company will arrange round trip economy class air ticket for one immediate family member. This is upon confirmation from our panel doctor that a companion is required attend to him/her.
Yes, Add-on coverage as 'Plus Plan' is available. It comprises of hospitalisation expenses related to pregnancy, treatment of Mental & Nervous Disorders including alcoholism & drug Dependence, Cancer Screening & Mammography Examinations & Childcare Benefits.
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