Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

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 General Insurance 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
1 lakh

USD 50,000 / USD
1 lakh / USD
3 lakhs / USD
5 lakhs

USD 50,000 / USD
1 lakh / USD
3 lakhs / USD
5 lakhs / USD
10 lakhs

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
(Part of Medical Expenses)

-

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
(Part of Medical Expenses)

-

NA

USD  7,500

Up to SI of Medical Expenses

Up to SI of Medical Expenses

Accidental Death
Permanent Total Disablement
Permanent Partial Disablement

-

USD 30,000

USD 15,000

USD 30,000

USD 30,000

Daily Allowance

3 days

-

-

-

USD 50 per day,
max 7 days

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
(Part of Medical Expenses)

-

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
(Part of Medical Expenses)

-

-

-

USD 2,000

USD 4,000

Treatment for Alcoholism and Drug Dependency
(Part of Medical Expenses)

-

-

-

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
(wait period of 10 months, Co-payment @20%)
New Born Cover restricted to USD 500

USD 100

NA

USD 1000 /
USD 5000 /
USD 50,000 /
USD100,000

USD 1000 /
USD 5000 /
USD 50,000 /
USD1 lakh /USD3 lakhs/
USD 5 lakhs

USD 1000 /USD 5000 /USD50,000
USD 10 lakhs

Complete Pre-Existing
Disease Cover in Life
Threatening Medical
Condition

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 paperwork​done
  • 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.

Written By: PolicyBazaar - Updated: 07 November 2019
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