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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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Niva Bupa TravelAssure Student Travel Insurance

International education has become an achievable dream for many brilliant minds across India. With so many opportunities to pursue higher education abroad, Indians are jumping at the chance and ready to live their dreams. One great tip to make the most of their time abroad is to solidify their overall safety abroad. Niva Bupa TravelAssure student travel insurance is one such product designed to do so!

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Plans for an individual of 30 years age travelling to USA for 15 days

Why Niva Bupa TravelAssure Student Travel Insurance?

With over 70 lakh happy customers, Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) is a reputed insurance provider offering a range of travel insurance plans. It has multiple international travel insurance plans to cater to different needs.

This Niva Bupa TravelAssure student travel insurance plan is an all-in-one package offering extensive coverage at all times. This student travel variant has been developed under the TravelAssure plan, which covers students of all spheres- undergraduate, postgraduate or research.

This plan comes with strong health insurance coverage as well as necessary coverage related to their stay and travel. Some key benefits of Niva Bupa TravelAssure student travel insurance plan include coverage for trip delays & cancellations, baggage loss, loss of phone or laptop, study interruption, and more.

Features & Benefits of Niva Bupa TravelAssure Student Travel Insurance

The new Niva Bupa TravelAssure student travel insurance comes with many special benefits that make it an ideal choice for students heading abroad:

  • Offers emergency in-patient medical treatments abroad for up to USD 500,000 without any sub-limits
  • 100% Coverage for pre-existing diseases (PED) available under optional benefits
  • Offers coverage for dental treatment and emergency out-patient treatment
  • Provides coverage for laptops, mobile phones, cameras and tablet due to theft or robbery

About Niva Bupa TravelAssure Student Travel Insurance

Category Specification
Eligibility 18-70 years
Sum Insured Up to USD 50,000 - USD 500,000
Coverage Offered Emergency in-patient medical treatment
Passport Loss
Compassionate visit & Sponsor protection
Maternity & New-born baby cover
Loss of laptop, tablet, camera, mobile
Plan Variants Niva Bupa TravelAssure Student Basic Plan
Niva Bupa TravelAssure Student Comprehensive Plan

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

Niva Bupa TravelAssure student travel insurance meets all the coverage requirements as per the university specifications. Since so many universities abroad require specific insurance coverage, Indian students can opt for a suitable travel insurance plan from the following:

  • Niva Bupa TravelAssure Student Basic Plan: Sum insured available for USD 50,000, USD 100,000, USD 200,000, USD 250,000, USD 300,000 and USD 500,000
  • Niva BupaTravelAssure Student Comprehensive Plan: Sum insured available for USD 50,000, USD 100,000, USD 200,000, USD 250,000, USD 300,000 and USD 500,000. Include benefits like Emergency ambulance, trip delay, compassionate visit etc.

These two variants can be purchased for APAC (Asia Pacific), Worldwide, including/excluding USA & Canada.

Inclusions under the Niva Bupa TravelAssure Student Travel Insurance

Emergency Hospitalisation Expenses

The policy will pay for expenses incurred in case of a medical emergency for which the insured has been admitted to the hospital for over 24 hours.


Coverage for delivery or lawful medical termination of pregnancy and cost of obstetric nurse will be covered if the insured is admitted to the hospital. The waiting period is applicable. This benefit is only available for those pursuing full-time school or college with a policy term of 12 months or more.

Optional Benefits

Other than the base benefits offered by the policy, the following optional benefits can be purchased:

  • Emergency outpatient treatment: Treatments due to emergencies are covered under this optional.
  • Emergency road ambulance: The policy will cover the transportation costs of the insured individual to the hospital.
  • Hospital daily cash: If the insured is admitted for over 48 consecutive hours, an allowance of USD 20-75 will be provided depending on the plan.
  • Medical evacuation: The policy will cover transportation costs from one hospital to another if prescribed by the doctor.
  • Extension to in-patient care: If the insured was hospitalised abroad and still needs treatment after returning to India, then the expenses will be covered. Includes return economy class ticket for India and Cost of hospitalisation in an Indian hospital.
  • Personal accident: The policy will cover death or disability as per the policy terms.
  • Accidental death and disability (Common carrier): The policy will provide compensation in case of death or disability caused due to the common carrier's accident.
  • Repatriation of mortal remains: In case of the insured person's death in the risk period, the insurer will reimburse the cost of transporting their mortal remains to their permanent place of residence.
  • Delay or Total loss of checked-in baggage: The policy will compensate for the delay or loss of the checked-in baggage.
  • Trip delay, trip cancellation, trip interruption: The policy offers reimbursement for every 4-hour flight delay under the listed circumstances. Trip delay and cancellation are covered if due to specified reasons.
  • Passport loss: The policy will reimburse for the actual expenses incurred in getting a fresh passport or duplicate.
  • Missed connection: The policy will cover extra accommodation and travel costs incurred due to missing of a pre-booked onward connection under specified reasons.
  • Personal liability: The policy will cover the expenses in investigation, defence or settlement if you are accidentally liable to a third party legally.
  • Bounced Booking: The insurer will reimburse for the difference between the original cost of booking and alternate booking in case the accommodation provider cancels your booking.
  • Loss of laptop, mobile, tablet, or camera: The policy covers theft or robbery of these gadgets; however, they are subject to depreciation.
  • Sports activity coverage: The policy will pay for any unused amount of the sports activity the insured paid for due to hospitalisation or other listed reasons.
  • Adventure sports coverage: The policy will cover the insured's participation in adventure sports.
  • Study interruption: The insurer will reimburse the student if they discontinue their planned studies for the reasons mentioned.
  • Complete pre-existing cover: Under this cover, the insured will be covered up to the sum insured of emergency in-patient medical treatment for issues arising due to existing health concerns that they have declared.

Please note that other optionals and coverage benefits are available in the policy wording, and this is not the complete list. Make sure to go through the official policy wording to understand the exact coverage of this plan.

Exclusions under the Niva Bupa TravelAssure Student Travel Insurance

In certain circumstances, Niva Bupa TravelAssure student travel insurance will not provide any coverage. Here are some of the exclusions where the policy will not provide any claim benefits:

  • Treatment costs if the insured is travelling against the advice of their doctor.
  • Death, injury or medical disability caused by self-harm/suicide or willfully self-inflictions.
  • Claims arising due to death/injury or disability because of alcohol, substance abuse or depression.
  • Treatment expenses for illness or injuries caused due to nuclear/radiological emissions.
  • Expenses due to rebellion, war or war-like situations
  • Costs incurred due to deliberate breach of law or activities done with criminal intent.
  • Expenses due to any obesity or weight control process.
  • Medical treatment costs related to childbirth or miscarriage during the policy period.
  • Treatment costs due to unproven treatments/supplies or services that lack required medical documentation.
  • Costs incurred in the purchase of hearing aids, spectacles etc., such as optometric therapy, medical supplies like diabetic test strips, elastic stockings etc.
  • Costs for non-prescription treatments or drugs.
  • Claims arising due to the insured's involvement in unlawful activities or safety guideline violation.
  • The Indian government has imposed claims originating in a country against whom travel restrictions.
  • Claims arising due to participation in adventure sports.
  • Treatment expenses due to plastic or other cosmetic procedures, unless necessary for reconstruction surgeries incurred in accidents/burns.
  • Treatment expenses that have been incurred for diagnostics/evaluation purposes only.

This is not an exhaustive list; please refer to the policy wordings for the complete list of exclusions under the Niva Bupa TravelAssure student travel insurance plan.

Niva Bupa TravelAssure Student Travel Insurance Eligibility Criteria

This student travel insurance plan can be purchased by any Indian student aged between 18 and 70 years. They should be Indian and going abroad for a full-time study program in either undergraduate or postgraduate studies, including a research fellowship.

Claim Procedure for Niva Bupa TravelAssure Student Travel Insurance

Insured policyholders must inform the TPA or insurer within seven days of the occurrence of the event for which the claim is to be raised.

Suppose the insured person is travelling abroad and needs to raise a claim in case of an emergency. In that case, they or their family member can contact the 24*7 emergency helpline at Europ Assistance or Assist America.

Following are the documents that may be needed for the claim procedure:

  • KYC documents and correctly filled claims form
  • Original final hospital bill with the proper break-up of costs
  • Payment receipt
  • Copy of post-mortem report, death certificate (wherever applicable)
  • Disability certificate that the concerned medical board has issued
  • Case histories, medical records, investigation reports
  • Original discharge summary
  • Copy of the settlement letter from the TPA or other insurance company
  • Laboratory investigation reports with supporting prescriptions
  • MLC or FIR if filing for a claim due to an accident case

Niva Bupa TravelAssure Student Travel Insurance - FAQs

  • Q: Is there any extension policy under this Niva Bupa TravelAssure Student Travel Insurance policy?

    Ans: Suppose the insured needs to get an extension on their Niva Bupa TravelAssure student travel insurance. In that case, they must submit a written request at least 1 day before the expiration of the original policy period.
  • Q: Can Niva Bupa TravelAssure student travel insurance be terminated or cancelled?

    Ans: Yes, the policy can be cancelled before the end date in case of visa denial, trip cancellation or the insured's earlier return to India. Adequate documentation will be required for either of these situations.
  • Q: Are pre-existing diseases covered under Niva Bupa TravelAssure student travel insurance?

    Ans: No PED is covered under this, whether declared or not. However, if you bought the optional 'Complete pre-existing disease cover', it will be covered up to the sum insured limit specified.
  • Q: How soon can we notify for a claim under Niva Bupa TravelAssure student travel insurance?

    Ans: You should inform the assistance company within seven days of the event's occurrence. However, this period may be shorter for other situations, such as accidents, theft etc.
  • Q: Where can I buy this Niva Bupa TravelAssure Student Travel Insurance?

    Ans: You can easily buy this plan online by visiting or by visiting the official website of Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited).

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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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