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Best Student Travel Insurance Plans in India

Do you plan to travel abroad for higher studies? Then you must already know about high airfares and other expenses that you may face there. With student travel insurance, studying abroad can be stress-free without ruining your budget.

Individuals
Sr. Citizens
Students

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

Why Student Travel Insurance?

We all know that studying in a new city, especially in another country, comes with many unforeseen risks. A student travel insurance policy ensures that you won’t face any financial burdens during your study abroad.

It covers a range of medical and non-medical emergencies that can eat up your limited finances. Moreover, many Universities abroad have made it compulsory for students to get travel insurance online before coming to join them.

Besides, many foreign 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.

Best Student Travel Insurance Plans

Features of Student Travel Insurance Plans in India

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
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
Care (Formerly 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: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. For more details on the features, benefits offered terms and conditions, please read the sales brochure carefully before concluding a sale. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

Best Travel Insurance Plans for Students in India

The best student travel insurance covers two things - medical expenses and travel-related emergency expenses. It also provides wider coverage than any other form of travel insurance.

Any unfortunate accident can lead to an emergency admission to the hospital. For students studying abroad, this can burn a big hole in their pockets. A financial backup is necessary for such emergencies, however, not everyone has easy access to them. This is where travel insurance for students comes in - any student going abroad can buy it!

Most student travel plans cater to the age group of 16 to 40 years. 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.

Not all travel insurance providers in India offer student travel policies. Following is 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. They can also opt for worldwide coverage including or excluding USA/ Canada.

This Bajaj Allianz Travel Insurance plan 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 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.

This Bharti AXA Travel Insurance plan 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 plan offers three 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 opting for the Platinum plan will also be covered for nervous/ mental disorder treatment, pregnancy-related hospitalisation 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 protection from unforeseen uncertainties while pursuing academic education abroad. The student 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 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
National Overseas Mediclaim Employment and Studies
This National Insurance Travel Insurance Overseas Mediclaim Employment and Studies plan covers an insured student from any sudden exigencies that may disrupt their education abroad. Students can choose from 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)
This New India Assurance Travel Insurance Overseas Mediclaim Insurance Policy (Employment & Studies) protects the insured student from any sudden emergencies faced during their 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 them from any medical or financial emergencies while studying abroad. This plan 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 plan will help the insured student in case of 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.

This Reliance Travel Insurance plan 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 hospitalisation, child care and cancer screenings & mammographic examination.
Care (Formerly Religare) Student Explore
Care (formerly Religare) Student Explore plan comprehensively covers the insured student with both medical and non-medical emergencies to help them focus completely on studies abroad.

It does not require the applicant to undertake any pre-policy medical check-up. The applicant can customise their policy by opting for worldwide coverage excluding India and worldwide coverage excluding the US, Canada and India.

This Care Travel Insurance plan 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
- Personal liability
- Loss of passport
- Sponsor protection
- Dental expenses
- Study interruption
- Compassionate visit
- Bail bond
- Loss of international driving licence
- University insolvency
- Loss of tablet/ laptop
- Emergency cash advance
The Explore Plus, Explore Super and Explore Ultra plans come with optional coverage for self-inflicted injury, adventure sports injury, HIV/ AIDS, maternity & new-born 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 Royal Sundaram Travel Insurance plan 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
This Star Student Travel Protect Insurance plan has been designed to help those studying overseas in case of any medical or non-medical hazards. This plan 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
This Tata AIG Travel Insurance plan 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 conditions)
- 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 they are busy studying in an international university. It offers coverage excluding the countries of the USA and Canada.
This plan offers the following medical covers:
- Emergency medical expenses
- Reunion expenses
- Repatriation of remains
Universal Sompo Student Travel
This Universal Sompo Travel Insurance plan offers protection from any health-related expenses through 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

How to Choose the Best Student Travel Insurance?

While buying any student travel insurance, you should keep the following steps in mind to find the best student travel insurance policy in India:

Check 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.

Student travel insurance plans cover all such scenarios so that students don’t need to bear such expenses on their own. These policies generally have minimal paperwork and offer comprehensive coverage. So, if you’re planning to study abroad, make sure to compare different plans on Policybazaar.com to have a stress-free education abroad!

Countries that Need International Travel Insurance Policy

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Travel Insurance for Australia

Travel Insurance for Germany

Travel Insurance for Schengen

Travel Insurance for UAE

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Travel insurance companies

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Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in