HDFC Ergo Student Suraksha

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FEATURES: This is a student travel insurance plan.

The insurance company claims to have designed the policy keeping in mind the needs of Indian students who are planning to pursue higher education abroad and for existing Indian students who are already studying abroad.

COVERAGE: This policy covers risk against unforeseen expenses such as hospitalisation, accidental death, permanent disablement and dental treatment. The policy also provides additional covers such as personal liability, bail bond, sponsors protection, study interruption, loss of passport and loss of checked-in baggage. This policy pays amount incurred in the event of a abroad visit by one immediate family member in case of medical emergency, or vice-versa. Option to include covers like maternity, childcare benefits, cancer screening and mammography examinations and mental and nervous disorders are also included, but you have to pay addi tional premium.

ELIGIBILITY: This policy is meant for Indian stu dents travelling abroad be tween the ages of 16 to 35 years. The existing Indian students who are studying abroad can also be cov ered under this plan.

VARIANTS: The plan is available in four variants ­ bronze, silver, gold, and platinum plans. Standard plan offer coverage of $50,000, silver plan of $100,000, gold plan of $2,50,000 and platinum plan offers coverage of $500,000. In all the plans, policyholders can claim 100 per cent of sum insured for medical emergency. However, there is cap on other insured sub head, such as accidental death, permanent disability and emergency dental treatment.

PREMIUM: The insurance premium for a 30 trip to the US and Canada under platinum plan comes to Rs 3,673 with maximum claimable amount being $500,000 in case of hospitalisation expenses. While in case of bronze plan, where maximum claimable amount is $50,000, the premium will be Rs 879. For students on long study tour to the US and Canada, a two-year insurance will cost Rs 60,227 in case of platinum plan and Rs 12,412 for a bronze plan. Premium falls considerably if you are travelling to rest of the world (excluding US and Canada).

This is a comprehensive student travel insurance and offers to take care of all needs such as medical, loss of baggage and loss of passport arising in a foreign country. The company will pay compensation in the event of interruption of study whilst abroad. This policy also covers the bail amount in case the student is arrested in the travelling country. Premium charged is cheap compared with its competitors. You may look at this plan if you planning to study abroad.

         

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These Application Forms can be used for buying regular mutual funds also

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