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HDFC ERGO Student Suraksha Travel Insurance Plan

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Globalization has opened wide range of avenues for students today. As a result 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 Student Suraksha – Student Overseas Travel Insurance, a comprehensive Student Travel Insurance policy. HDFC ERGO will ensure to safeguard your dreams & secure your aspirations when traveling and living abroad as a student.

How it works 

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

 Key Features of Student Suraksha Travel Insurance Policy

  • Composite Coverage in a single Policy.
  • Caters to all Customer requirements of the Indian Students travelling abroad.
  • No medicals / health check-up required.
  • The Policy provides worldwide cover for Students from 30 days to 2 years
  • Sections can be independently structured or packaged as whole 

Eligibility Criteria

This product can be availed by all the students who are Indian Residents and travelling abroad to pursue higher studies. The existing Indian students who are studying abroad can also be covered.
AGE LIMIT - To be eligible to be covered under the Policy or get any benefits under the Policy, the Insured should have attained the age of at least 16 years and up to a maximum age of 35 years on the date of commencement of the Policy Period as applicable.

Benefits of Student Suraksha Travel Insurance Policy

Plan Options Platinum Gold Silver Bronze Standard
Emergency Medical Expenses (EME) 500,000 250,000 100,000 50,000 Not Applicable
Deductibles 100 100 100 100 Not Applicable
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
Dental 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 Not Applicable
Loss of Checked Baggage 2000 2000 1000 1000 1000
Delay of Checked Baggage 200 200 150 100 Not Applicable
Personal Liability 100,000 100,000 100,000 100,000 100,000
Study Interruption 7,500 7,500 7,500 7,500 7,500
Sponsor Protection 10,000 10,000 10,000 10,000 10,000
Compassionate Visit 7,500 7,500 7,500 7,500 7,500
Bail Bond 5,000 5,000 5,000 5,000 5,000
*All figures in USD

What is covered in Student Suraksha Travel Insurance Policy?

  • Accidental Death: Covers the insured in case of loss of life in an accident.
  • Permanent Disablement: Pays a benefit if the insured is permanently disabled in an accident.
  • Emergency Medical Expenses: Reimburses the insured for medical expenses incurred for an accident or 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.
  • Emergency Dental Treatment: Reimburses the insured for emergency dental expenses incurred for an injury or acute pain.
  • Loss of Passport. In the event that the passport belonging to the Insured is lost, the Insured is reimbursed for actual expenses incurred in obtaining a duplicate or fresh passport.
  • Loss of Checked Baggage - If baggage, personal documents or personal effects are checked onto a common carrier, this benefit will reimburse the insured person the cost of replacement articles for any damaged or lost articles.
  • Delay of Checked Baggage: Provides an amount for emergency purchases on account of delay in baggage.
  • 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 lawsuit for an accident caused by the insured person resulting in bodily injury to another person.
  • Bail Bond: Pays the bail amount for the insured on arrest or detention by police for a bail able offence in the territory of travel.
  • Study Interruption: Pays compensation in the event of interruption of study whilst abroad.
  • Sponsor Protection: Pays tuition fees to the insured in the event of accidental death of insured's sponsor.
  • Compassionate Visit: Pays amount incurred to the Insured in the event of Compassionate Visit by one Immediate Family Member.

What is not covered under Student Suraksha Travel Insurance Policy? 

  • Student Suraksha Travel Insurance exclusion policy includes:-
  • Civil War or Foreign War.
  • Injury due to participation in any criminal act, participation in any competition involving the utilisation of a motorised land, water or air vehicle participation in sport s as a professional player; engaging in, practising for or taking part in training peculiar to any kind of violent labour disturbance, riot or civil commotion or public disorder, service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping.
  • Travelling by air other than as a fare paying passenger on an aircraft registered to an airline company.
  • Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused.
  • Pre-existing, Venereal or venereal related disease.
  • For treatments for nervous or mental problems, any pathological fracture.
  • For cures of any kind and all stays in long term care institutions (retirement homes, convalescence centres, centres of detoxification etc.), for investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency.
  • Medical Expenses incurred within the territorial limits that are not stated in the Schedule or where a journey is to receive medical treatment or advice
  • Wilful or deliberate intentional self-inflicted injury, suicide or attempt threat, influence of alcohol or drugs or narcotics.

 Claim Process of Student Suraksha Travel Insurance Policy

  • Written notice of any occurrence which may give rise to a claim under this Policy must be given to the Company as soon as practicable and in any case within fifteen (15) Days after such occurrence.
  • Written Notice of Claim in the case of death of the Insured must be given to the Company by the beneficiary immediately or within twenty one (21) days thereof as a condition preceding to liability.
  • If any treatment, consultation or procedure for which a claim may be made is required in an emergency, then the Company or Our TPA must be informed within 7 days of the beginning of such treatment, consultation or procedure.
  • In all other cases, the Company or Our TPA must be informed of any event or occurrence that may give rise to a claim under this Policy within 7 days of occurrence of event.


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