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Student Travel Medical Insurance

It provides a Comprehensive cover for up to 2 years for Indian students travelling to study abroad. It covers much more and cost much less than the medical covers available in abroad. There are plans available without medical cover in case the university/college provides health cover itself.

Some of the Plans even provides following extra benefits which are sometimes required for university compliant

  • Treatment for mental and nervous disorders including alcoholism and drug dependency
  • In-patient medical expenses related to pregnancy
  • Medical expenses for inter-collegiate sports injuries
  • Cancer screening and mammography expenses
  • Childcare benefits

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Student Insurance Policy Features

Eligibility
Available for all ages between 1 month – 60 years. Most of the companies provide cover from 16 years to 35 years.

Policy Duration
Covers trips from as short as 1 day to a max of 360 days. Most of the Insurance Companies provide coverage for 365 days but there are plans available up to 730 Days.

Policy Maximum (Coverage Amount)
Various coverage options are offered in the range of US $ 50,000 to US $ 500,000.

Max Trip per Policy
Multiple trips per policy period are covered.

Pre-existing diseases
Pre-existing ailments and maternity are generally excluded. There are few companies which provide coverage in case of life-threatening situations i.e. until the insured's heath is stable.

Deductible/Policy Excess
There is a Deductible/Policy Excess of 50-100 US$ depending upon the plans. This implies that for any claim the first $50-100 are to be borne by the insured

Additional Coverage
Bail Bond, Study Interruption, Sponsor Protection, 2 Way Compassionate Visit, Dental Treatment, Medical Evacuation, Repatriation, Baggage Loss/Delay, Trip Cancellation and Interruption, etc. are also offered by different plans.

Medical Check-up
No medical check-up is required.

Renewal
Policy Can be renewed if there is no claim in the expiring policy.

Premium
Plan Premium is based upon your destination, Coverage Amount, Age and duration of Trip.

Exclusions
General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses, and Contact Lens) is not covered by any of the Plan. Besides these, there could be other exclusions which are mentioned in the policy wordings.

Claim
In order to make a claim, you need to contact the Insurer or Third Party Administrator (TPA) of the Insurance Company, which has tie-ups with network hospitals worldwide. TPA information is provided in the Insurance policy.

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