Student Suraksha Travel Insurance

Student Overseas Travel Insurance Brochure

STUDENT SURAKSHA - STUDENT OVERSEAS TRAVEL

While you pursue your dreams of studying abroad, leave your worries to us. At HDFC ERGO we understand your need for safety and security while studying abroad. With HDFC ERGO Student Suraksha - Student Overseas Travel Insurance we safeguard you from unforeseen circumstances.

It is a comprehensive package policy for all students who are Indian residents and are traveling overseas for higher studies. The existing Indian students who are studying abroad can also be covered under this policy.

ELIGIBILITY

Indian students traveling abroad to pursue higher studies
The existing Indian students who are studying abroad can also be covered
Age Limit – From 16 years to 35 years

SALIENT PRODUCT FEATURES

Composite coverage in a single policy
Caters to all Indian students travelling abroad
No medicals / health check up required
The 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.

GENERAL 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.

COVERAGE PLAN DETAILS

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
Coverage benefits are in US Dollars

ADDITIONAL COVERAGE FOR ALL PLUS PLAN

BENEFITS
Inpatient medical expenses related to pregnancy*

500

Deductibles NIL
Treatment of Mental & Nervous Disorders including alcoholism & drug Dependency 1000
Deductibles NIL
Cancer Screening & Mammography Examinations 2000
Childcare Benefits 100 per day/max. 7 days
Deductibles 2 days
*Waiting Period of 10 months is applicable for Pregnancy to be covered Coverage benefits are in US Dollars

OUR 24-HOUR HELPLINE CENTRE - JUST A CALL AWAY

E-mail

travelclaims@hdfcergo.com

Toll free + 800 08250825
Fax No. + 91 - 120 - 6691600
Landline + 91 - 120 - 4507250 (Chargeable)

PREMIUM DETAILS

All Premiums are Excluding Service Tax

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 3673 1777 2,887 1359 2024 978 1818 879 683
60 days 7923 3834 5537 2687 3613 1738 3073 1563 1350
90 days 10464 5063 7913 3881 5164 2459 4821 2294 1950
120 days 13057 6318 9898 4803 6363 3061 5410 2483 2417
180 days 15650 7453 11901 5743 7581 3682 6403 2817 2900
270 days 22882 10897 17851 8603 11569 5544 10149 4509 4345
365 days 30114 16732 23015 11968 14768 7679 11623 5024 6486
456 days 39901 22170 30929 16083 19933 10365 16342 7614 8436
546 days 49688 27607 34916 18156 22350 11622 18544 8862 9387
636 days 54957 30535 40867 21251 26337 13695 22293 10627 10831
2 years 60227 33464 46031 23936 29537 15359 25092 12412 12971

Applicable rate of service tax will be charged on above premium

All Premiums are Excluding Service Tax

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 4518 2186 3551 1671 2489 1203 2369 1192
60 days 9746 4716 6811 3305 4444 2138 4199 2119
90 days 12871 6228 9733 4774 6352 3024 6121 2948
120 days 16060 7771 12174 5907 7827 3765 7668 3364
180 days 19250 9167 14638 7064 9325 4529 9192 3855
270 days 28145 13403 21956 10582 14230 6820 13205 6344
365 days 37040 20580 28308 14720 18164 9445 16641 7365
456 days 49078 27269 38043 19782 24517 12749 23969 11009
546 days 61116 33957 42947 22332 27490 14295 27238 12863
636 days 67598 37558 50266 26138 32394 16845 29169 15340
2 years 74079 41160 56618 29441 36331 18892 32963 17965

Applicable rate of service tax will be charged on above premium



For details, kindly refer to Policy Wordings.

HDFC ERGO General Insurance Company Limited
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate,
Mumbai - 400020
Customer Service Address : 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (E),
Mumbai - 400 059
Toll-free No. 1800 2 700 700 (Accessible from India only.) Fax: 91-22-6638 3699
E-mail care@hdfcergo.com Website www.hdfcergo.com

Disclaimer: For more details on risk factors, terms & conditions please read the sales brochure before concluding a sale.Trade Logo displayed above belongs to HDFC Ltd. and ERGO International AG and used by HDFC ERGO General Insurance Company under license. CIN : U66010MH2002PLC134869. UIN : IRDA/NL-HLT/HDFC-ERGOGI/P-T/ V.I/121/13-14. IRDA Reg. No. 125. UID No 1177.