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Why do I Need Student Travel Insurance?
Studying abroad in a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. A student living alone outside India might also need visits from family or other back-ups if something goes wrong. Our travel policy covers you for all such eventualities for just a fraction of the amount you would otherwise need.
- 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
- Innovative packages to match individual needs
- Innovative packages to match individual needs
- Only insurance company with in-house international toll-free numbers and fax numbers
*Offered only with Student Elite,
Scholars Guide and Brilliant Minds
**Offered only with Brilliant Minds
***Offered only with Study Companion and Student Elite
Find Your University
Your travel policy will be accepted at following universities.
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Coverage
What does Our Travel Policy Cover?
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- Study Companion Plan
- Student Elite Plan
- Scholars Guide & Brilliant Minds
| The study companion plan is customized for students travelling abroad
for studies. It caters to the medical exigencies that a student might face while studying abroad. Based on premium, sum insured and
certain other criteria, there are three options to choose from under this student travel insurance plan - Standard, Silver and Gold. |
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Standard |
Silver |
Gold |
| Coverages |
Benefit in US$ |
Benefit in US$ |
Benefit in US$ |
Medical Expenses,Evacuation
and Repatriation |
50,000 |
1,00,000 |
2,00,000 |
Emergency dental pain relief
included in (I) above |
500 |
500 |
500 |
| Tuition Fee |
10,000 |
10,000 |
10,000 |
Personal Accident
Only 50% of the Sum assured in respect of the death of the insured person below
age of 18 years |
50,000 |
50,000 |
50,000 |
Loss of Baggage (Checked)
Per baggage maximum 50% and per item in baggage maximum 10% |
1,000 |
1,000 |
1,000 |
| Accident to Sponsor |
10,000 |
10,000 |
10,000 |
| Family Visit |
7,500 |
7,500 |
7,500 |
| Personal Liability |
1,00,000 |
1,00,000 |
1,00,000 |
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| The Student Elite Plan is a customized insurance policy for students travelling abroad.It covers your trip abroad as well as takes care of health related needs during your stay abroad. There are 3 options under this student travel insurance plan - Standard, Silver and Gold. The details of the same are:- |
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Download Brochure |
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Standard |
Silver |
Gold |
| Coverages |
Benefit in US$ |
Benefit in US$ |
Benefit in US$ |
Medical Expenses,Evacuation
and Repatriation |
50,000 |
1,00,000 |
2,00,000 |
Emergency dental pain relief
included in (I) above |
500 |
500 |
500 |
| Personal Accident |
25,000 |
25,000 |
25,000 |
| AD &D Common Carrier |
2,500 |
2,500 |
2,500 |
Loss of Baggage (Checked)
Per baggage maximum 50% and per item in baggage maximum 10% |
1,000 |
1,000 |
1,000 |
| Bail Bond Insurance |
500 |
500 |
500 |
| Tuition Fee |
10,000 |
10,000 |
10,000 |
| Accident to Sponsor |
10,000 |
10,000 |
10,000 |
| Family Visit |
7,500 |
7,500 |
7,500 |
| Personal Liability |
1,00,000 |
1,00,000 |
1,00,000 |
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Scholars Guide and Brilliant Minds are two new plans specially designed to cover the overseas travel risks of students. The tables below give you breakdown of these plans.
The Student Guide Plan |
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Sum
Insured in USD |
No of
Days |
Premium
Worldwide
in Rs. |
| Coverages |
Benefit in US$ |
Benefit in US$ |
Benefit in US$ |
Medical Expenses,Evacuation
and Repatriation |
Not Covered |
30 |
405 |
Personal Accident
Note: Only 50% of the Sum
assured in respect of the death of the insured person below age of 18 years |
25,000 |
60 |
608 |
| AD&D Common Carrier |
2,500 |
90 |
810 |
Loss of Checked Baggage
Per Baggage maximum 50 % and per item in the baggage maximum 10 %. |
1,000 |
120 |
1013 |
| Personal Liability |
1,00,000 |
180 |
1238 |
| Bail Bond |
5,000 |
240 |
1508 |
| Tuition fee |
10,000 |
270 |
1868 |
| Accident to Sponsor |
10,000 |
365 |
2925 |
| Family Visit |
7,500 |
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The Brillient Mind Plan
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Sum
Insured in
USD |
No of
Days |
Premium
excl.
USA /
Canada |
Premium
World
Wide |
| Coverages |
Benefit in US$ |
Benefit in US$ |
Benefit in US$ |
Benefit in US$ |
Medical Expenses,Evacuation
and Repatriation
Note: Covers accidental hospitalization only, sickness excluded. |
50,000 |
30 |
435 |
902 |
Personal Accident
Note: Only 50% of the Sum assured in respect of the death of the insured
person below age of 18 years |
25,000 |
60 |
753 |
1586 |
| AD&D Common Carrier |
2,000 |
90 |
1171 |
2455 |
Loss of Checked Baggage
Note: Per Baggage maximum 50 % and per item
in the baggage maximum 10 %. |
1,000 |
120 |
1381 |
2818 |
| Personal Liability |
1,00,000 |
180 |
1751 |
3671 |
| Bail Bond |
5,000 |
240 |
2270 |
4750 |
| Tuition Fee |
10,000 |
270 |
2616 |
5498 |
| Accident to Sponsor |
10,000 |
365 |
3912 |
7213 |
| Family Visit |
7,500 |
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| Loss of Passport |
250 |
25 |
1,00,000 |
200 |
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Need More
Any Other Special Features?
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.
Travel Elite also provides a Golfer's Hole-in-One cover, a Home Burglary Cover and cover for expenses incurred in the event that your trip is cancelled or curtailed. Besides these, it carries two Special Condition covers for any one illness and any one accident, for senior citizens. |
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No Fine-Print
What are the Exclusions Applicable to Travel Policies?
- 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.
- Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.
- Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.
- Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
- Experimental, unproven or non-standard treatment.
- Treatment by any other system other than modern medicine (also known as Allopathy).
- The cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.
- Delay of baggag e when the intended destination is in India.
- Loss or damage to the insured's passport as a result of the confiscation or detention by customs, police or any other authority.
- Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
- Loss caused by the insured's failure to take reasonable steps to guard against the loss of passport.
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Learn More
Travel Insurance Cancellation Procedure
Before the policy start date
- The insured is expected to inform us and an E mail should be sent by the insured requesting the cancellation.
- He/she should furnish policy number or schedule number in the E mail.
*There will be a Rs 250/- cancellation charges.
After the policy start date - If the insured has not travelled
Following documents should be sent to us:
- Proof that the insured has not travelled overseas.
- Photo copy or Scan copy of all the pages (including empty pages) of the passport.
- Reason for policy cancellation.
- Visa rejection letter in case of visa refusal by embassy.
*Based on the underwriters approval the policy will be cancelled within one working day after receiving the email (and passport copy post start date).
After the policy start date - If the insured has travelled
In case of any early return of the insured person prior to expiry of the policy period, the company will refund premium at the rates shown in adjacent table (subject to no claims being incurred on the policy)
Premium to be Retained by Company
Period of Risk |
Percentage of Premium |
Above 50% of Policy Period |
100% |
Between 40-50% of Policy Period |
80% |
Between 30-40% of Policy Period |
75% |
Between 20-30% of Policy Period |
60% |
Policy inception-20% of Policy Period |
50% |
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What are people saying?
Customer Reviews |
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