Travel Insurance

Student Travel Insurance

Studying abroad is an exciting prospect. There will be new places to explore, opportunities to meet people from across the globe, but there's always a little nervousness! What if something happens? Who will help me? That is where Student Travel Insurance plays a critical role. Student Travel Insurance takes care of unexpected expenses that might crop up anytime. Be it a medical emergency, loss of passport, loss of baggage or a visit from a family member in case of an emergency, a Student Travel Insurance is one of your most trusted friends in a foreign country.

Features

1. Protection: If you face an emergency during your stay abroad, then it could be emotionally and financially draining. A valid international student insurance policy, will cover you from any unpredictable adversities such as accidents or medical illness.

2. Safeguard Against High Medical Costs: With overseas student insurance, you can avail medical treatment without thinking about the skyrocketing healthcare costs as medical expenses are covered under such policies.

3. Mandatory in certain countries: In countries like the USA, it is mandatory for overseas students to have a valid student health insurance policy. It is an important admission document for foreign students as you will not be allowed to study in the universities and colleges in these countries without a valid student travel insurance policy.

4. Protect Personal Savings: If you have a student insurance policy, you can save up your personal funds as the insurer will cover all the monetary expenses incurred during an emergency.

Coverage

1. Medical and dental expenses due to hospitalisation

2. Loss of checked baggage

3. Bail bonds and tuition fees 

4. Loss of passport 

5. Family/ Compassionate visit

6. Accident to sponsor and other incidental expenses

7. Delay in take-off or cancellation of flight

Exclusions

Every student travel insurance policy has certain situations that are out-of-the coverage list.

• Expenses incurred due to a pre-existing medical ailment unless the same condition is covered by the policy.

• If the insured is already suffering from a terminal disease.

• If the insured is travelling without the consent of his physician

• Suicide or self inflicted injuries

• HIV/ AIDS

• Mental health disorders

• Theft, damage or loss of passport due to carelessness and negligence, or not reported to the local police authorities on time etc are not covered under Student travel insurance.

• Travelling to avail a specified medical treatment.

• Partial damage or loss of checked-in baggage (only complete loss or damage is covered). Moreover, precious items inside the bag are also not covered by Student Travel Insurance, unless it is mentioned in the list of inclusions.

• Any situation arising due to war or nuclear threat in the country you are travelling to are not covered by Student travel insurance.

Claim Process

In the event of loss, the following immediate actions must be taken to intimate the insurer and submit a full statement in writing of the claim, providing the nature and extent of loss. Any delay in intimation might jeopardize the claim as the insurer may express an inability in accepting liability of the loss/damage.

• To take all steps to reduce and minimize the extent of loss/damage and liability.

• The proximate cause of the loss and assess the type/extent and whether it is within the scope of the policy.

• To extend full cooperation to the insurer and the surveyor appointed for completion of the survey work and for proper assessment of the loss.

• Produce all such records and proof as may be required by the surveyor or the insurer for estimating the loss and the liability under the policy.

• Provide documents such as claim form, claim bill, copy of Policy, etc.