Student Travel

Student Travel
       
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When you go to study abroad, you want a solid support system to care of any troubles for you. Are you covered? The travel policy is a comprehensive package which provides complete medical, health and emergency cover to the discerning international traveller.

Why do I need 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
  • 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

What does our travel policy cover?

Our travel policy covers Personal Accident , Medical Expenses and Repatriation, Loss of Checked Baggage, Loss of Passport*, Personal Liability (legal), Bail Bond**, Accident to Sponsor, Family Visit, Emergency Dental Pain relief*** and Tuition Fee.


*Offered only with Brilliant Minds

**Offered only with Student Elite, Scholars Guide and Brilliant Minds

***Offered only with Study Companion and Student Elite

*Covered only under Travel Elite

Does your travel policy offer cashless service?

Yes. Our travel policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).

Policy Benefits:

Our student travel policy understands your need for security when you live abroad alone at a young age. We therefore offer a range of benefits that are specific only to student travel so that you can have a visit from your family, be insured against loss of tuition fee and arrest due to inadvertent law-breaking (not including breaking the law with criminal intent and speeding). You also get the benefit of a sum assured in case your sponsor has an accident and is unable to pay for your expenses for a time.

What if I return before expiry of the policy?

In case of any early return of the insured person prior to expiry of the policy period, the company will refund premium at the following rates (subject to no claims being incurred on the policy):

Period of Risk Rate of Premium Retained by Company
Above 50% of Policy Period 100% of Premium
Between 40-50% of Policy Period 80% of Premium
Between 30-40% of Policy Period 75% of Premium
Between 20-30% of Policy Period 60% of Premium
Policy inception-20% of Policy Period 50% of Premium
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 baggage 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.
  • Breaking the law with criminal intent and speeding.

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