Student Travel Insurance

The number of students going abroad for higher education is rising day by day. Studying abroad surely brings an advantageous prospect, but it entails risks as well. Medical or hospitalization expenses in a foreign land can really be a costly affair. A student living outside the home country also needs other back-ups if something goes wrong. It also needs to ensure that you can focus on your study and not worry about any mishap. Here comes the need of student travel insurance.

A student travel insurance provides cover for all eventualities that come your way, while studying abroad. It ensures complete peace of mind.

Benefits

A student travel insurance provides cover towards expenses incurred against medical expenses and evacuation needed. It pays for loss or delay of baggage, lost tickets & passport, emergency dental treatments, etc. You can also get the reimbursement of tuition fee, when paid in advance. Buying a student travel insurance plan provides comprehensive protection against sudden contingencies during your stay. It keeps your family out of worries, even when you are thousands of miles away. This travel insurance plan provides comprehensive protection against sudden contingencies during your stay.

Coverage Available

Following is the coverage available under a student travel insurance policy.

Emergency Medical Expenses: This travel insurance policy covers emergency medical expenses incurred such as any sudden illness or injury. It ensures you a comprehensive medical cover, when you are studying abroad.

Loss/Dealy of Checked Baggage: If checked-in is lost, you can get the reimbursement towards the cost of replacement for any damaged or lost articles. In case of delay of checked baggage, this policy provides an amount for any emergency purchases caused due to it.

Loss of Passport: Loss of passport may bring several inconveniences to your stay abroad. In the event of loss of passport of the insured, the insured is reimbursed for the actual expenses incurred towards obtaining a duplicate or fresh passport.

Reimbursement of return ticket: Some insurance companies provide the reimbursement of return ticket fare for a family member visiting you (insured), in case you are hospitalized for more than 7 days.

Payment of Bail Amount: A student travel insurance policy provides compensation for the payment of the bail amount to the concerned authority, in case you are arrested or detained for a bailable offense.

Accidental Death & Disablement: This policy covers the risk of accidental death and disablement. It pays compensation in case of loss of life or disablement in an accident.

Repatriation of Remains: In the event of unfortunate demise of the insured while staying abroad, the expenses incurred towards transporting his mortal remains back home.

Emergency Medical Evacuation: It pays the costs incurred or the total sum insured, as applicable sending insured back to the country of residence, requiring immediate medical care.

Reimbursement of Tuition Fees & Semester Fee: It reimburses current (paid) semester fee, in case of interruption of your education due to a medical condition. The tuition fee is also reimbursed, if the sponsor paying your fee passes away due to an injury.

Psychological Coverage: Some insurance companies also cover the expenses incurred towards the treatment of mental and nervous disorders.

Treatment for Expectant Mothers: Some insurers also pay for in-patient medical expenses incurred in case of pregnancy.

Best Student Travel Insurance Plans

Student Travel Insurance Plans	Eligibility Criteria	Key Benefits	Add-ons
Reliance General Student Travel Insurance	16 years to 35 years	Medical Expenses Dental Treatment Personal Accident Accidental Death-Common Carrier 2 way Compassionate Visit Loss of Passport Total Loss of Checked In Baggage Personal Liability Bail Bond Study Interruption Sponsor Protection	Not Available
HDFC ERGO Student Suraksha – Student Overseas Travel Insurance	16 years to 35 years	Accidental Death Permanent Disablement Emergency Medical Expenses Emergency Dental Treatment Loss of Passport Loss of Checked Baggage Delay of Checked Baggage Personal Liability Bail Bond Study Interruption Sponsor Protection Compassionate Visit Psychological Coverage Treatment for Expectant Mothers Screening and Examinations Childcare Benefit	Not Available
TATA AIG Student Guard Overseas Health Insurance Plan	16 years to 35 years	Accidental Death and Dismemberment Accident & Sickness Medical Expenses Reimbursement Flight delays Sickness Dental Relief Assistance Emergency Medical Evacuation Continuing Treatment Repatriation of Remains Baggage Loss Baggage Delay Loss of Passport Personal Liability Study Interruption Sponsor Protection Compassionate Visit Bail Bond Hijack Cash Benefit Missed Connections/Departure Trip Delay Fraudulent Charges	Coverage for Pre existing Conditions Maternity Benefit Childcare benefits Treatment for mental and nervous disorders Cancer screening and mammography examinations Physiotherapy
ICICI Lombard Overseas Individual Student Travel Insurance Policy	16 years to 35 years	Health Cover Dental Treatment Total loss of checked baggage Personal liability Personal accident Bail bond Study interruption Sponsor protection Compassionate visit Loss of passport	Not Available

Benefit Illustration

Let’s understand the benefits of a student travel insurance policy with the help of an illustration.

In case, you have opted for Reliance General Student Travel Insurance, you can get coverage for the following scenarios.

Emergency Medical Expenses: This policy pays the emergency medical expenses incurred by you whilst abroad. It also includes expenses for medical evacuation to India and repatriation of mortal remains.

Total Loss of Checked-In Baggage: It compensates the insured for the total loss of checked-in baggage on a trip. Maximum amount payable per checked-in baggage, in case more than one bag has been checked-in, is 50% of the applicable Sum Insured. In case of only one bag being checked-in, the amount payable is 100% of the applicable Sum Insured.

Loss of Passport: It reimburses the cost incurred in connection to obtaining a fresh or duplicate passport in case of a lost passport during a trip.

Personal Accident: This policy compensates the insured or his/her legal heir for any accidental injury occurring during the period of insurance resulting to disablement or death within 12 calendar months from the occurrence of such injury. It provides death cover up to 100% of the sum insured. Disablement is covered up to a specific percentage of the sum insured, as specified under the policy. It provides up to 50% of the sum insured for total and irrecoverable loss of sight of one eye or one entire hand or one entire foot.

Dental Treatment: It pays or reimburses the Insured expenses incurred on acute anesthetic treatment of a natural tooth or teeth during the stay abroad.

Bail Bond: It pays an amount up to the sum insured towards payment of the bail amount, in case the insured is arrested or detained.

Moreover, it provides cover against accidental death, personal liability, compassionate visit, study interruption, sponsor protection.

The benefits specified may differ, depending on the plan variant opted.