5 Affordable Travel Insurance Plans for Students in India

Exclusions

• Any Medical Expenses incurred when the specific purpose of a journey is to receive medical treatment or advice.
• Any Medical Expenses incurred, the need of which arises out of a Pre-existing Conditions.
• Any Medical Expenses incurred within the territorial limits that are not stated in the schedule.
• Exclusions Applicable to Bodily Injury or Sickness
• Occasioned by Civil War or Foreign War
• Caused or provoked intentionally by the Insured.
• Due to willful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt threat, or arising out of non-adherence to medical advice.
• Sustained or suffered whilst the Insured is or as a result of the Insured being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician.
• Due to a gradually operating cause.
• Sustained whilst or as a result of participating in any sport as a professional player.
• Sustained whilst or as a result of participating in any competition involving the utilization of a motorized land, water or air vehicle.
• Whilst the Insured is travelling by air other than as a fare paying passenger on an aircraft registered to an Airline Company for the transport of paying passengers on regular and published Scheduled routes.
• Whilst or as a result of participating or committing or attempting to commit a breach of law with criminal intent.
• Caused by or arising from the conditions commonly known as 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.
• Caused by or arising from or due to venereal or venereal related disease.
• Sustained whilst or as a result of engaging in, practicing for or taking part in training peculiar to any kind of violent labour disturbance, riot or civil commotion or public disorder.
• Sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organization, notwithstanding that the Bodily Injury occurred whilst the Insured was on leave or not in uniform.
• For treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity.
• Any pathological fracture.
• For cures of any kind and all stay 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.
• For Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hang-gliding, parasailing, off-piste skiing or bungee jumping, skiing, jet skiing, paragliding, parachuting and racing of any type.
• For Bodily Injury sustained as the result of Terrorism.
• Nuclear Energy risks.
• Injury caused by surgery.

Claim Process

• In the event of a covered hospitalization and to register claims, you can contact our 24-hour HDFC Ergo Helpline Centre through any of the contact points below. Kindly mention Policy Holders’ Name, Policy Number, Insurance Company, Passport Number while seeking assistance.
• Documents in addition to those mentioned above may be asked for, depending on the nature of the accident and claim lodged. Please retain a copy of the documents sent for your records.

Additional Benefits

• Travel insurance for Indian students planning to study abroad or already studying abroad
• Worldwide cover from 30 days to 2 years period
• Enjoy 24x7 HDFC ERGO’s international travel assistance support
• Manage your travel policy online to match your study duration, while abroad
• No health / medical check-up required
• Option to include covers like maternity, childcare benefits, cancer screening & mammography examinations and mental & nervous disorders
• Emergency Medical Expenses: Reimburses the insured for medical expenses incurred for an accident or an unexpected sickness.
• 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 the 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, the insured is reimbursed the cost of replacement 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 law suit for an accident caused by the insured person resulting in bodily injury to another person.
• Accidental Death: Pays the family of the insured compensation in the case of loss of life in an accident.
• Permanent Disablement: Pays compensation if the insured is permanently disabled in an accident.
• 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.
• Psychological Coverage: Pays for treatment of mental and nervous disorders, including alcoholism and drug dependency.
• Treatment for Expectant Mothers: Pays for in-patient medical expenses related to pregnancy after a waiting period of 10 months.
• Screening and Examinations: Pays for cancer screening and mammographic examinations on recommendation from physician.
• Childcare Benefit: Pays for hospital cash benefits of childcare.

Exclusions

• Any medical condition or complication arising from it which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recommended by or received from a physician.
• Routine physical or other examination where there is no objective indication of impairment of normal health.
• Medical expenses beyond the expiry of the policy period.

Claim Process

• To register your claim, please dial our Toll Free Number: 1800-209-5858

Additional Benefits

• Covers expenses of hospitalization, loss of baggage, accident to sponsor, family visit and other incidental expenses
• Covers you against bail bonds and tuition fee
• Covers you against loss of passport
• Covers you for emergency dental pain relief
• Quick disbursement of claims
• Global expertise matched with local knowledge
• Only insurance company with in-house international toll-free numbers and fax numbers
• Innovative packages to match individual needs
• The Golfer's Hole-in-one is a sporting gesture from the company. It offers reimbursement of expenses incurred in celebrating a hole-in-one by the insured during the trip, anywhere in the world (excluding India), in a United States Golfers' Association recognized golf course. This cover is provided in Travel Companion.

Accidental Death & Disability

• Accidental death cover - We will compensate for accidental death or injury taking place during the trip.

Baggage & Personal Belongings

• Compensation upon loss of checked in baggage in transit
• We make sure you do not fret if your baggage is lost by providing compensation to buy essentials

Additional Benefits

• Compensation for lost baggage - We will compensate if your checked-in baggage gets lost in transit by an airline.
• Burglary cover - We pay for your losses and damages in an event of burglary or attempted burglary at your home while you travel.
• Loss of Passport - We will reimburse for the expenses incurred to get a duplicate or new passport, in case it gets lost.
• Distress allowance - We pay distress allowance for every 24-hour period your flight is unlawfully detained by hijackers.
• Flight delay - We will reimburse if your flight gets delayed for more than 12 hours due to a covered hazard.
• Lost card - We will pay for the unauthorised usage of a lost payment card, up to 12 hours prior to your first reporting during the trip.
• Unavailability of flight - We automatically add seven extra days to the policy period in case of delay or unavailability of flights.
• Compensation for liability - We will pay up to the sum mentioned in the policy schedule, if you are legally liable to pay compensation for property damage
• Reimburse you if your trip gets cut short due to a reason mentioned in the policy schedule.
• Reimburse for emergency transportation to a hospital, treatment and medical supplies
• Pre-existing condition or any complication arising from it in a life-saving unforeseen emergency condition would be reimbursed up to $1500 per policy.

Additional Benefits

• Cashless Claims Settlement in network hospitals
• Reimbursement of claims in non-network hospital as per policy terms and conditions
• Claims turnaround time of less than fourteen working days
• Worldwide Service Provider and Hospital Network
• Worldwide Emergency, Medical and Travel Assistance Services
• Flexibility of choosing a Travel Insurance Plan as per your need
• Ease and convenience of purchase
• Instant policy issuance

Additional Benefits

• Choose from 3 different plans, based on your requirements - Plan A, Plan B and Ultimate Plan with accident and sickness reimbursement limits of $50,000, $100,000 and $250,000 respectively.
• Study interruption
• Sponsor protection
• Compassionate visit (2-way) apart from accident
• Sickness reimbursement
• Personal accident
• Maternity benefits for pregnancy termination
• Cancer screening and mammography