Best Student Travel Insurance Plans in India
Do you plan to travel abroad for higher studies? Do you have a good international college in mind, where you think you can take admission in? Have you looked at all the scholarships that the university is offering?
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Have you estimated the airfares and the risks associated with the travel? If no, then it’s time you start thinking about student travel insurance as it ensures a problem-free journey and a pleasant stay abroad.
We all know that studying in a new city, especially in another country, can lead to many unforeseen risks. A student travel insurance policy ensures that you do not have to face any financial constraint during your study abroad. It covers a range of medical and non-medical constraints that can eat up from your limited finances. Most universities abroad have made it compulsory for students to get travel insurance online before coming to join them. Besides, many universities also offer a waiver on their domestic health insurance if you have a valid international travel policy. Let’s just say getting a student travel insurance plan is profitable in more ways than you think.
Explore Types of Travel Insurance
The best student travel insurance covers two things – medical and travel-related emergency expenses. It also provides wider coverage than any other form of insurance. Any unfortunate accident can lead to an emergency admission in the hospital. And, for students studying abroad, this can burn a big hole in their pockets. They may need a financial backup to meet any sudden expenses. For instance, if they are charged with legal liability. This is where student travel insurance can come handy. Student travel insurance plans cover all such scenarios enabling students to generally not bear such expenses on their own.
Student travel insurance policies generally have minimal paperwork and offer comprehensive coverage. Most student travel plans cater to the age group of 16 to 40 years. Moreover, students already studying abroad can also opt for a student travel insurance plan in India. Usually, the policy can be bought for at least one year as per the terms of the provider and can be renewed three months in advance of its expiry.
However, student travel insurance policies may not be applicable to cover any unforeseen exigencies faced when the insured student visits India on a break.
Not all travel insurance providers in India offer student travel policies. Following are the list of all the travel insurers that provide the best student travel insurance plans in India:
Bajaj Allianz Student Travel Insurance
Bajaj Allianz Student Travel Insurance takes care of any unpredictable expenses on behalf of the insured student while studying abroad. The applicant is not required to take any pre-policy medical health check-up. He can also opt for worldwide coverage including or excluding USA/ Canada.
This plan by Bajaj Allianz Travel Insurance comes in three variants – Student Companion Plan, Student Elite Plan and Student Prime Plan. It offers the following coverage to the insured students:
- Medical expenses (includes evacuation, repatriation and dental pain relief)
- Personal liability
- Personal accident
- Family visit
- Accidental death & disability - common carrier
- Accident to sponsor
- Loss of check-in baggage
- Tuition fee
- Bail bond insurance
- Loss of passport
- Suicide
- Loss of laptop
Those who plan to buy the Student Elite plan can extend their coverage with sports injury medical cover, treatment for nervous & mental disorder and treatment for dependency on drugs & alcohol.
Bharti AXA Smart Traveller Student
Bharti AXA Smart Traveller Student allows the insured student to fulfil their academic aspirations and leave all their worries of illness, mishaps and loss behind while studying overseas. Applicants with pre-existing diseases may be required to undergo a pre-policy check-up. The applicant can opt for worldwide coverage including/ excluding USA and Canada.
This plan by Bharti AXA Travel Insurance has four variants – Smart Traveller Student – Standard/ Silver/ Gold/ Platinum. It covers the following emergencies:
- Medical expenses (includes medical evacuation and repatriation)
- Sponsor protection
- Dental treatment
- Study interruption
- Personal accident
- Bail bond
- Accidental death & disability (common carrier)
- Legal expenses
- Personal liability
- Compassionate visit
- Loss of passport and documents
The student can opt for additional covers of mental & nervous disorder treatment, medical expenses related to pregnancy & childbirth and alcohol & drug dependency treatment on the payment of an extra 10% premium.
Chola Student Travel Protection Plan
Chola Student Travel Protection Plan has been thoughtfully designed to ensure the safety and well-being of the insured student by covering any medical or travel risk. The applicant is not required to undergo any medical check-up before buying the policy. The student can opt for Asia Pacific coverage excluding Japan.
This plan by Cholamandalam Travel Insurance offers three plan variants i.e. Platinum, Gold and Silver. The student can get the following covers under this plan along with door-to-door coverage:
- Medical expenses (includes repatriation of mortal remains)
- Compassionate visit
- Dental treatment
- Personal accident – overseas and domestic
- Loss of passport
- Sponsor protection
- Total loss of check-in baggage
- Study interruption
- Bail bond
- Personal liability
Students planning to buy the Platinum plan will also be covered for nervous/ mental disorder treatment, pregnancy-related hospitalization expenses, treatment of alcoholism, inter-collegiate sports injury treatment, childcare benefits up to 7 days and cancer screenings & mammography examinations.
Future Student Suraksha
Future Student Suraksha ensures to take care of unforeseen uncertainties of the insured student that he encounter while pursuing academic education abroad. The student applicant is not required to undergo any pre-acceptance medical tests. The applicants can enhance their cover by opting for worldwide coverage, Asia pacific coverage excluding Japan and worldwide coverage excluding USA & Canada.
This plan by Future Generali has five types of plan variants – Basic, Standard, Silver, Gold, Platinum. It offers coverage from the following threats:
- Medical expenses (including medical evacuation and repatriation)
- Tuition fee
- Emergency dental treatment
- Sponsor protection
- Treatment of mental & nervous disorder
- Felonious assault
- Maternity benefit
- Bail bond
- Personal accident
- Compassionate visit
- Loss of passport
- Personal liability
HDFC ERGO Student Suraksha – Student Overseas Travel Insurance
HDFC ERGO Student Suraksha safeguards the insured student from any unforeseen situations ensuring his safety and security while studying outside India. It does not require the applicant to undergo any medical test before buying the policy. The student can buy worldwide coverage with or without the USA and Canada.
This plan by HDFC ERGO General Travel Insurance offers five variants – Standard, Bronze, Silver, Gold and Platinum. It provides coverage for the following emergencies:
- Emergency medical expenses (includes medical evacuation and repatriation)
- Loss of passport
- Accidental death
- Loss/ delay of check-in baggage
- Permanent total disability
- Personal liability
- Dental treatment
- Compassionate visit
- Bail bond
- Sponsor protection
- Study interruption
Students can also opt for additional coverage of pregnancy-related hospitalization, childcare benefits, nervous & mental disorder treatment, cancer screenings & mammography examination and treatment of dependency on alcohol & drugs.
HDFC ERGO Health EduCARE
HDFC ERGO Health EduCARE protects the insured students against any uncertainties that he may face while travelling overseas for pursuing education. The applicants can customize their policy by choosing the worldwide coverage, Asiapac coverage including Australia and worldwide coverage excluding US & Canada.
This plan by HDFC ERGO Health Travel Insurance is available in four variants i.e. Bronze, Silver, Gold and Platinum. It provides coverage for the following circumstances:
- Medical treatment
- Medical evacuation and repatriation
- Dental treatment
- Personal accident
- Total loss/ delay of check-in baggage
- Felonious assault
- Loss of passport
- Sponsor protection
- Study interruption
- Bail bond
- Maternity & childcare benefits
- Compassionate visit
- Personal liability
Students can also opt for additional benefits including HIV cover, mental & nervous disorder treatment, emergency financial assistance, treatment for alcoholism & drug dependency, cancer screenings & mammography examination and inter-collegiate sports injury treatment.
National Overseas Mediclaim Employment and Studies
Overseas Mediclaim Employment and Studies by National Insurance Travel Insurance covers an insured student from any sudden exigencies that he may come across while pursuing his education abroad. Students can choose for a plan offering worldwide coverage excluding/ including the USA or Canada.
This plan offers coverage for the following risks to the insured student:
- Medical illness
- Loss/ delay of check-in baggage
- Medical evacuation
- Contingency insurance
- Medical emergency reunion
- Repatriation
New India Overseas Mediclaim Insurance (Employment & Studies)
Overseas Mediclaim Insurance Policy (Employment & Studies) by New India Assurance Travel Insurance protects the insured student from any sudden emergencies faced during his study abroad. It allows the student to either choose worldwide coverage excluding or including the USA/Canada. The insured student is provided with the following covers under this policy:
- Medical sickness and accident expenses
- Contingency insurance
- Medical evacuation expenses
- Medical emergency reunion expenses
- Repatriation and Alternate expenses
Oriental Overseas Mediclaim – Employment and Study
Oriental Overseas Mediclaim – Employment and Study provides comprehensive cover to the insured student protecting him from any medical or financial emergencies while studying abroad. This plan by Oriental Travel Insurance provides coverage for the following risks:
- Medical expenses and repatriation
- Personal liability
- Personal accident
- Loss of passport
- Loss/ delay of check-in baggage
Reliance Student Travel Insurance Plan
Reliance Student Travel Insurance will help the insured student in case he faces a financial crisis while studying abroad. The applicant is neither required to do any paperwork or undertake any medical test to purchase this travel plan. It also offers 24-hour emergency services to the insured.
The plan by Reliance Travel Insurance comes in five variants – Basic, Standard, Silver, Gold and Platinum. It will cover the students from the following risks:
- Medical expenses (includes medical evacuation, transportation, repatriation of mortal remains and pre-existing diseases under life-threatening conditions
- Personal accident
- Dental treatment
- Accidental death – common carrier
- Loss of passport
- Compassionate visit
- Bail bond
- Personal liability
- Study interruption
- Sponsor protection
Students who opt for Standard, Silver, Gold or Platinum plans can also avail add-on coverage for mental & nervous disorder treatment, drug & alcohol dependency treatment, inter-collegiate sports injuries treatment, pregnancy-related hospitalization, child care and cancer screenings & mammographic examination.
Religare Student Explore
Religare Student Explore comprehensively covers the insured student with both medical and non-medical emergencies so he can focus completely on his studies abroad. It does not require the applicant to undertake any pre-policy medical check-up. The applicant can customize their policy by opting for worldwide coverage excluding India and worldwide coverage excluding the US, Canada and India.
This plan by Religare Travel Insurance is available in four variants – Explore Start, Explore Plus, Explore Super and Explore Ultra. The plan offers the following coverage to the student:
- Medical expenses (includes cancer screenings, mammographic examination, alcohol & drug dependency treatment, mental & nervous disorder treatment, medical evacuation, extended coverage in India, repatriation of mortal remains and pre-existing diseases under life-threatening conditions)
- Personal liability
- Loss of passport
- Sponsor protection
- Dental expenses
- Study interruption
- Compassionate visit
- Bail bond
- Loss of international driving license
- University insolvency
- Loss of tablet/ laptop
- Emergency cash advance
The Explore Plus, Explore Super and Explore Ultra comes with optional coverage for self-inflicted injury, adventure sports injury, HIV/ AIDS, maternity & newborn and vision care.
Royal Sundaram Travel Secure – Student Plan
Royal Sundaram Travel Secure – Student plan keeps the insured student away from any unexpected hurdles that might crop up while studying abroad. The student is not required to submit any medical reports to purchase this policy. The applicant can choose between worldwide coverage including Americas, Asia coverage and worldwide coverage excluding the Americas.
This plan by Royal Sundaram Travel Insurance offers five plan variants – Diamond, Titanium, Platinum, Gold and Silver. It provides the following covers to the student:
- Medical expenses (including evacuation)
- Accidental death and disability
- Dental relief
- Bail bond
- Repatriation of mortal remains
- Sponsor protection
- Delay/ loss of check-in baggage
- Study interruption
- Loss of passport
- Compassionate visit
- Personal liability
- Missed connection
- Cancer screening
- Maternity and childcare benefits
- Physiotherapy
- Mental and nervous disorder treatment
Star Student Travel Protect Insurance
Star Student Travel Protect Insurance has designed to help students studying overseas in case they come across any medical or non-medical threats or hazards. This plan by Star Travel Insurance comes in Gold, Silver and Standard variants. It provides the following covers to the insured students:
- Emergency medical expenses (includes medical transportation and mortal remains transportation)
- Sponsor protection
- Dental emergency assistance
- Study interruption
- Personal accident
- Compassionate visit
- Loss of check-in baggage
- Bail bond
- Personal liability
- Loss of passport
Tata AIG Student Guard - Overseas Health Insurance Policy
The Tata AIG Student Guard covers all health and travel worries of the overseas student so that he can fully concentrate on his studies. This plan enables you to choose between a single trip or annual trip insurance plan. Moreover, the coverage can be customized by including/ excluding America.
This plan by Tata AIG Travel Insurance is available in five variants – Plan A, Plan B, Ultimate, Ultimate Plus and Supreme. It provides coverage for the following situations:
- Accident & sickness medical expenses (includes pre-existing conditions under life-threatening condition)
- Loss of passport
- Maternity & child care benefit
- Personal liability
- Study interruption
- Cancer screenings and mammography examination
- Sponsor protection
- Felonious assault
- Compassionate visit
- Dental pain treatment
- Bail bond
- Fraudulent charges for payment card security
United India OMP for Employment and Studies
United India OMP for Employment and Studies takes away any health-related worries of the insured student while he is busy studying in an international university. It offers coverage excluding the countries of the USA and Canada.
This plan by United India Travel Insurance offers the following medical covers:
- Emergency medical expenses
- Reunion expenses
- Repatriation of remains
Universal Sompo Student Travel
Universal Sompo Student Travel ensures that the insured student stays focused on achieving his academic goals leaving all his health and non-health-related worries behind. This plan by Universal Sompo Travel Insurance offers three plan variants – Primary, Buddy and Intellectual. It comes with the following covers:
- Medical expenses (including dental treatment, repatriation of mortal remains, hospital daily allowance and medical repatriation)
- Study interruption
- Delay of check-in baggage
- Compassionate visit
- Loss of passport
- Accident to sponsor
- Personal liability
- Hijack distress allowance
- Personal accident
Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. The ICR has been take
Eligibility and Policy Term
The following table compares the eligibility and policy term for all student travel insurance plans available in India:
|
Policy Name |
Policy Term |
Eligibility |
|
Bajaj Allianz Student Travel Insurance |
Up to 3 years |
16 to 35 years |
|
Bharti AXA Smart Traveller Student |
30 days to 2 years |
16 to 40 years |
|
Chola Student Travel Protection Plan |
1 year |
16 to 35 years |
|
Future Student Suraksha |
30 days to 2 years |
18 to 35 years |
|
HDFC ERGO Student Suraksha |
30 days to 2 years |
16 to 35 years |
|
HDFC ERGO Health EduCARE |
30 days to 3 years |
10 to 50 years |
|
National Overseas Mediclaim Employment and Studies |
- |
- |
|
New India Overseas Mediclaim Insurance (Employment & Studies) |
- |
Up to 70 years |
|
Oriental Overseas Mediclaim – Employment and Study |
2 months to 12 months |
5 to 60 years |
|
Reliance Student Travel Insurance Plan |
Up to 2 years |
16 to 35 years |
|
Religare Student Explore |
1 month to 36 months |
12 to 40 years |
|
Royal Sundaram Travel Secure – Student Plan |
1 year to 7 years |
12 to 40 years |
|
Star Student Travel Protect Insurance |
Up to 365 days |
15 to 40 years |
|
TATA AIG Student Guard |
Up to 365 days |
16 to 35 years |
|
United India OMP for Employment and Studies |
2 months to 12 months |
5 to 60 years |
|
Universal Sompo Student Travel |
Up to 1 year |
16 to 35 years |
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
How to Choose the Best Student Travel Insurance?
At the time of choosing the best student travel insurance policy in India, you should keep the following steps in mind:
- Analyse the company’s credibility while choosing a plan by careful comparison.
- Check the affordability of the plan. Moderate premiums are convenient to pay and are not that hard on your pocket.
- Choose a plan with which you are comfortable and not the one which has a lot of exclusions.
- Add-ons, or a lack thereof, will reflect in your premium amount. Therefore, you must cross-check before agreeing to the premium.
- Check the claim settlement ratio of the insurance provider before buying a plan. An above-average percentage can be taken as a sign of hassle-free claim settlements.
- Check if you are covered for any sports/activities that you would like to take part in during your study abroad.
- Check for location factors because travel insurance cover varies from county to country. You wouldn’t want to be left hapless due to one clause that you didn’t read in the fine print.
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