Reliance General Student Travel Insurance
Studying abroad is a dream come true for many! A lot of hard work is put behind getting admission in a renowned international university. Undoubtedly, studying abroad is fun and is indeed a life-changing experience; however, staying in a foreign land comes with some unknown medical as well as non-medical risks. So, if you are going to study abroad it is imperative to buy a student travel insurance plan that can safeguard you from any unforeseen contingencies that may arise during your stay. Reliance Insurance Company has designed Reliance Student Travel Insurance Plan that offers medical emergency cover, loss of checked-in baggage covers, personal liability cover, sponsor protection cover, and coverage for various other travel-related risks seamlessly.
Features of Reliance Student Travel Insurance Plan
Reliance Student travel insurance plan covers all the major medical and non-medical expenses. Here is a quick rundown of the some of the main benefits and features of Reliance Student Travel Insurance Plan:
- Comprehensive coverage benefits that include medical, travel, and non-medical expenses
- Availability of optional covers that meet your university guidelines
- Anyone who is planning to study abroad and is between the age group of 12 and 40 years can buy this plan
- Flexibility to choose coverage tenure ranging from 1 month to 3 years
- Reliance Student travel insurance plan allows you to choose your geographical scope of coverage
- Availability of various other features such as bail bond, sponsor protection, laptop/tablet, and accidental benefits among others
- Pre-policy medical checkup is not mandatory
- Comprehensive coverage benefits available at an affordable premium. Idle for those who are planning to study abroad
- Extended coverage benefits in the country of residence and the home country as well
Eligibility Criteria for Reliance Student Travel Insurance Plan
Any student can buy this travel insurance plan if they fulfill the following eligibility criteria:
Entry Age |
Minimum Entry Age is 12years Maximum Entry Age is 40 years |
Renewal Age |
Up to 40 years |
Sum Insured Amount |
USD 50,000/ USD 1 lakh / USD 3 lakhs / USD 5 lakhs / USD 10 lakhs |
Policy Tenure |
The policy tenure is anywhere between 1 month/3months/6 months/9 months/12 months/15months/18 months/24 months |
Premium Calculation |
The premium is calculated on the basis of the sum insured, age of the insured, trip duration and the destination
|
Who can buy this plan? |
The pack is available only for an individual and there is no family pack available |
Reliance Student Travel Insurance Plan Coverage
Reliance Student Travel Insurance Plan compensates for various risks and emergencies that can otherwise ruin your stay. The plan safeguards against sudden illnesses, pre-existing illnesses, dental expenses, accidental death, a compassionate visit by a family member, and the likewise. The scope of coverage may vary from one plan to another. Check out the below table for policy inclusions:
Coverage |
Deductibles |
Explore Start |
Explore Plus |
Explore Super |
Explore Ultra |
Medical Expenses |
USD 100 |
- |
USD 50,000 / USD |
USD 50,000 / USD |
USD 50,000 / USD |
In-patient Care |
USD 100 |
NA |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Extended Cover in the Country of Residence |
USD 100 |
NA |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Pre-Existing Disease Cover in Life-Threatening Medical Condition |
USD 100 |
NA |
Up to 10% of SI of Medical Expenses |
Up to 10% of SI of Medical Expenses |
Up to 10% of SI of Medical Expenses |
Repatriation of Mortal Remains |
- |
NA |
USD 7,500 |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Out-patient Care |
USD 100 |
NA |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Dental Expenses |
USD 50 |
NA |
USD 250 |
USD 500 |
USD 750 |
Medical Evacuation |
- |
NA |
USD 7,500 |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Accidental Death |
- |
USD 30,000 |
USD 15,000 |
USD 30,000 |
USD 30,000 |
Daily Allowance |
3 days |
- |
- |
- |
USD 50 per day, |
Loss of Checked-in Baggage |
- |
USD 1000 |
USD 500 |
USD 1000 |
USD 2000 |
Compassionate Visit |
- |
USD 5,000 |
- |
USD 5,000 |
USD 7,500 |
Loss of International driving license |
USD 50 |
USD 100 |
- |
USD 100 |
USD 150 |
Delay of Checked-in Baggage |
12 hours |
USD 150 |
- |
USD 150 |
USD 150 |
Study interruption |
- |
USD 10,000 |
USD 7,500 |
USD 10,000 |
USD 15,000 |
Loss of Passport |
USD 50 |
USD 150 |
USD 150 |
USD 150 |
USD 200 |
Personal Liability |
USD 200 |
USD 100,000 |
USD 100,000 |
USD 100,000 |
USD 100,000 |
Bail Bond Cover |
- |
USD 5,000 |
USD 500 |
USD 5,000 |
USD 5,000 |
Sponsor Protection Cover |
- |
USD 15,000 |
USD 10,000 |
USD 15,000 |
USD 15,000 |
Trip Delay Cover |
12 hours |
NA |
NA |
NA |
USD 200 |
University Insolvency |
- |
NA |
NA |
NA |
USD 7,500 |
Emergency Cash Advance |
- |
NA |
NA |
NA |
USD 1,000 |
Loss of Laptop / Tablet |
- |
NA |
NA |
NA |
USD 250 |
Mental and Nervous disorders |
- |
NA |
NA |
USD 1,500 |
USD 3,000 |
Coverage at home country |
USD 100 |
NA |
Up to 5% of Medical Sum Insured |
Up to 5% of Medical Sum Insured |
Up to 5% of Medical Sum Insured |
Mammography & Cancer screening |
- |
- |
- |
USD 2,000 |
USD 4,000 |
Treatment for Alcoholism and Drug Dependency |
- |
- |
- |
USD 1,500 |
USD 3,000 |
Reliance Student Travel Insurance Plan Optional Coverage
This student travel insurance plan also gives you the option to add the various add-on covers as listed below:
Reliance Student Travel Insurance Plan Optional Covers |
|||||
Benefits |
Deductible |
Explore Start |
Explore Plus |
Explore Super |
Explore Ultra |
Self-inflicted injuries |
USD 100 |
- |
USD 7,500 |
USD 7,500 |
USD 7,500 |
AIDS/HIV Cover |
USD 100 |
- |
USD 7,500 |
USD 7,500 |
USD 7,500 |
Adventure Sports Injury |
USD 100 |
- |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Vision Care (co-payment of 50%) |
USD 100 |
NA |
USD 200 |
USD 200 |
USD 200 |
Maternity & New Born Cover |
USD 100 |
NA |
USD 1000 / |
USD 1000 / |
USD 1000 /USD 5000 /USD50,000 |
Complete Pre-Existing |
USD100 |
NA |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Up to SI of Medical Expenses |
Reliance Student Travel Insurance Plan Exclusions
There are various benefits that are offered by the Reliance travel insurance. However, the insurer will not accept your claims under the following circumstances:
Medical emergencies arising due to drug or alcohol overdose |
Any ionizing radiation or any contamination leading to medical emergencies |
If the individual is involved in any unlawful activity |
Involvement in hazardous activities |
Suicidal attempts and intentional self-inflicted injuries |
War-related damages or nuclear consequences |
Medical emergencies resulting due to HIV/AIDS |
Reliance Student Travel Insurance Plan FAQs
Q1. Why should I buy Reliance Student Travel Insurance Plan?
This student travel insurance policy is recommended for the following reasons:
- You can enjoy your peace of mind, as you are not required to run from pillar to post in case of any emergency situation, that too in a foreign land
- You do not need to face any hassle of getting paperworkdone
- You can customize these plans as per the duration of your studies or the courses you are planning to take
- It covers both medical and non-medical expenses
- Usually, the claims are settled in a convenient and timely manner
Q2.Can I claim for a loss of tablet or passport with Reliance Student Travel Insurance Plan?
Yes, this overseas travel insurance plan for students compensates for the cost of a stolen laptop or tablet that was being used for educational purposes.
Q3. Can I opt for additional coverage benefits under Reliance Student Travel Insurance Plan?
There are various optional covers that you can opt for- self-inflicted injuries, adventure sports injury, AIDS and HIV Cover, pre-existing diseases, maternity and newborn care, Vision Care (co-payment of 50%), etc.
Q4. What are the limitations of the Reliance Student Travel Insurance Plan?
Any claim that is arising due to the following conditions is usually not covered by most of the student travel insurance plans:
- Any student travel insurance claim that is made post completion of the policy term shall not be considered by the insurer
- Irrational loss of passport resulting due to reckless behavior of the insured person, which could be avoided and only happened due to his failure to avert the loss
- Involvement in any dangerous occupation or hazardous activity, then the insurer is not liable to recompense
- Willful engagement in any criminal or illegal activity
Please check the policy wordings for the detailed list of exclusions.
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