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HDFC ERGO Student Suraksha - Student Overseas Travel Insurance is designed for eligible Indian students travelling abroad for higher education, including students already studying overseas who meet the policy requirements. The product provides worldwide cover for policy periods from 30 days to two years. Depending on the selected variant and schedule, benefits may include emergency medical expenses, medical evacuation, repatriation, emergency dental treatment, accidental death and disability, baggage and passport-related benefits, personal liability, study interruption, sponsor protection and compassionate visits. Additional benefits may be available through the applicable Plus option. Actual coverage is governed by the issued policy schedule and wording.
Student-focused overseas protection including medical expenses, study interruption and sponsor protection, subject to variant and policy terms.
Student Suraksha is aimed at students who need insurance aligned with an overseas education period rather than a short holiday. Policybazaar describes Standard, Bronze, Silver, Gold and Platinum variants with different sums insured and benefits. The policy can be useful to evaluate for emergency medical costs and student-specific risks such as study interruption or sponsor protection. Before purchasing, compare the selected variant against university or visa requirements, destination restrictions, medical sub-limits and the exact benefit schedule. Pre-existing disease-related medical expenses are generally excluded under the published FAQ even when the condition is declared. Purchase and policy commencement must occur before the insured journey begins. Optional Plus benefits should not be assumed unless selected and confirmed in the policy documents.
HDFC ERGO
Key Insights
Founded
2002
HDFC ERGO was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97.9% CSR, calculated as a 3-year average
HDFC ERGO settles 97.9% of all claims it receives, demonstrating strong credibility.
Contact Details
022-62346234
Headquarters: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059, Maharashtra, India.
Eligible expenses for covered sickness or accidental injury during the insured overseas stay.
Subject to the chosen variant, sum insured, policy limits and exclusions.
Eligible costs of emergency medical transportation and repatriation under the policy.
Subject to medical necessity, assistance requirements and the policy schedule.
Eligible emergency dental treatment for acute pain or accidental injury.
Routine and elective dental treatment may be excluded.
A benefit may be payable for a covered interruption to studies under the selected variant.
Qualifying events and limits are defined in the policy wording.
Eligible financial protection if the sponsor suffers a covered event specified in the policy.
Applicable conditions and maximum benefit must be checked in the schedule.
Additional benefits may include specified pregnancy-related hospital expenses, childcare benefits, cancer screening and mammography examinations.
Availability, waiting periods and limits depend on the selected Plus option and policy wording.
Some additional medical benefits may be available under the applicable Plus option.
Confirm each benefit and any applicable waiting period before purchase.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC ERGO plans and claim process
It is intended for eligible Indian students aged 16 to 35 travelling abroad for higher studies. Students already studying abroad may also qualify, subject to policy requirements.
The policy offers worldwide cover for durations from 30 days to two years, subject to the insurer's terms.
Policybazaar lists Standard, Bronze, Silver, Gold and Platinum variants. Benefits and sums insured differ by variant, so check the current quote and policy schedule.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO website before purchasing.
Official Website
hdfcergo.com
Visit the official HDFC ERGO website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Policybazaar lists student variants with sums insured ranging from USD 20,000 to USD 500,000. Confirm the available options and benefits for the selected destination.
Eligible emergency medical expenses arising from covered illness or injury may be covered, subject to the selected sum insured, policy conditions and exclusions.
Sponsor protection may reimburse eligible tuition-related amounts for the remaining study period if the sponsor experiences a covered event, such as accidental death. The exact conditions and limits are set out in the policy schedule.
The published FAQ states that medical expenses due to pre-existing disease conditions are excluded. Review the current policy wording for the full terms.
The insurer states that the purchase date and policy start date cannot be later than the trip commencement date. Arrange cover before starting the journey.
Certain pregnancy-related inpatient medical expenses and other benefits may be available under the applicable Plus option. Waiting periods and limits may apply.
Visit https://www.hdfcergo.com/download/policy-wordings/travel and select Student Suraksha - Student Overseas Travel for the applicable policy period.