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All You Need To Know

FEATURES

Wide coverage

Get coverage with this policy for:

  • Emergency medical expenses
  • Emergency dental expenses
  • Accidental death
  • Permanent disablement
  • Loss of passport
  • Loss of checked-in baggage
  • Delay of checked-in baggage
  • Personal liability
  • Bail bond
  • Study interruption
  • Sponsor protection
  • Compassionate visit
  • Psychological coverage
  • Treatment for expectant mothers
  • Screening and examinations
  • Childcare benefits

    View Detailed List Of Coverage Items
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Policy term

Enjoy worldwide cover from 30 days to 2 years

Choose policy duration to match your study abroad period

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Emergency assistance

Get 24x7 international travel assistance

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Exclusions

The following are excluded from coverage:

  • Civil or foreign war
  • Terrorism
  • Self-inflicted injury, suicide
  • Non-adherence to medical advice
  • Under influence of liquor, drugs or narcotics (unless advised / administered by a physician)
  • Participation in any sport as a professional player
  • Participation in any criminal act
  • AIDS or HIV
  • Treatment of nervous and mental problems
  • Participating in hazardous sports like parachuting, hang gliding, bungee jumping, etc.

 

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Medical examination

No need for a medical examination or health check-up before purchasing this policy

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Claims procedure

Benefit from hassle-free claims process during your travels

To make a claim during travel abroad, contact +800 0825 0825 (international toll free)

To make a claim in India, please dial 012 0450 7250 (chargeable)

HDFC Ergo personnel will collect the Claim Form and other related documents. They can also be send to the Claims Processing Cell at the following address:

HDFC ERGO General Insurance Company Limited

6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri - East, Mumbai- 400 059, India

Download The Claim Form

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VIEW COMMISSION-RELATED INFORMATION

As per RBI circular: RBI/2009-10/225 dated November 16, 2009, following are the details of the comparative commission earned by HDFC Bank from Insurance (Life), whose products are being distributed:

Commission, Brokerage and trail from Life Insurance

Category First Year Commission 2nd year Renewal Commission
  Min Max Min Max
Health 2% 35% 0% 7.50%
Pension 0.50% 7.50% 0% 2%
Protection 2% 35% 0% 2%
Savings & Investment 0.50% 30% 0% 3%
Group Product* 5% 5% 0% 0%


Note: The commission varies depending upon the Product in each category, tenure, amount of premium and premium paying term

*For Group Products commission payable is 5% of the premium with a ceiling on the maximum payout as defined by Insurance Regulatory and Development Authority of India (IRDAI) from time to time.

Terms & Conditions

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