HDFC ERGO student insurance

HDFC ERGO Student insurance benefits

• Platinum	Gold	Silver	Bronze	Standard
  Emergency Medical Expenses (EME)
  $500,000	$250,000	$100,000	$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
  $100,000	$100,000	$100,000	$100,000	$100,000
  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

• Coverages	Description
  Medical Expenses including transportation and evacuation	HDFC ERGO general insurance takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise.
  Dental Care Expenses	HDFC ERGO travel care annual multi trip insurance covers dental expenses incurred by the Insured / Insured Person for any acute anesthetic treatment of a natural tooth or teeth during a trip due to an injury but not exceeding the Sum Insured as specified in the Schedule to the Policy.
  Personal Accident	HDFC ERGO multi trip travel insurance plan shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.
  Accidental Death & Dismemberment - Common Carrier	HDFC ERGO multi-trip medical travel insurance shall pay compensation for injury sustained by Insured, which results in loss of life or permanent disability while riding as a passenger in any common carrier.
  Daily allowance in case of hospitalization	If the Insured / Insured Person is hospitalized for more than 2 days, HDFC ERGO multi trip travel plan provides daily allowance as compensation
  Compassionate Visit	In case the Insured / Insured Person is hospitalized for more than seven consecutive days. HDFC ERGO multi trip travel insurance will reimburse the return fare for an immediate family member to visit the insured.
  Loss of Passport	HDFC ERGO multi trip travel insurance will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss
  Study Interruption	In the event of Hospitalization of the insured person of more than one consecutive month due to a covered Injury or Sickness or the death of an immediate family member and the insured student is unable to continue his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the University.
  Sponsor Protection	In the case of injury to the Insured Person’s Sponsor (as stated in the Enrolment Form) resulting in Death or Permanent Disablement, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education.
  Bail Bond	The insurance company will pay costs relating to the bail bond if the insured student incurs, as a result of any inadvertent law breaking or false arrest in a bailable offence or wrongful detention by any government during his/her travel overseas.