Student Travel Insurance: Compare Best Travel Insurance for Students

Do I really need student travel insurance coverage?

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When you travel abroad to study, you are exposed to various risks arising out of some unexpected/unfavorable events. Unfortunately, events like passport loss, baggage loss, an accident or any medical emergency may take place any time. If you’ve travel insurance coverage, it safeguards you against all such events. It makes sure that in a foreign land, you don’t have to face any kind of emergency that causes inconvenience to you.

What is a deductible?

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A deductible is the amount of a claim that has to be borne by you (i.e. the insured). A policyholder chooses to add deductibles in order to minimize the premium payable for the policy. In case of a claim, a policyholder has to pay such out-of-pocket expenses before the insurer pays for any expense.

Whom to approach if there is a hospitalization and how do I register a claim?

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When you have to register a claim in the event of hospitalization, you can inform your insurer about the same on its helpline. Before making a call, keep the details like policy number, passport number etc. handy.

Who can get benefits from this insurance?

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Anyone who falls in the range of 16-35 years of age, enrolled and attending a full-time degree/diploma from a recognized educational institution of learning, outside the country.

If I have not traveled during the policy period, would I get any reimbursement?

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You don’t have to worry if you have bought a student travel insurance policy and not traveled during that specific period. A wide number of the insurance companies refund the premium in such a case.

What documents are required to file reimbursement if I have not traveled during the policy period?

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If you haven’t traveled during the policy period, you are supposed to submit the following documents as the proof of that so that the refund could be processed.

1. Xerox copy of the passport pages

2. Submit a valid reason for the cancellation of the policy

3. In case the trip was canceled because of the refusal of the Visa by the Embassy, the Visa rejection letter would need to be submitted.

Which countries are restricted territories and not covered by the student travel insurance plan?

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The student travel insurance plan doesn’t provide coverage for injury, loss, damage, legal liability etc. arising directly or indirectly from traveling to/ in or through the restricted countries, such as Cuba, Democratic Republic of Congo or Afghanistan.

What are the exclusions under student travel insurance plans?

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You are not covered for the following situations:

1. Traveling irrespective of a big no from your physician

2. Getting treatment for pre-existing illness or any complication caused due to a pre-existing illness

3. Attempted suicide or suicide

4. Terrorism or war

5. Dangerous sports or illegal adventure activities

What happens in case the overseas stay is extended?

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When your overseas stay is extended for the reasons that are above and beyond your control, then the extension can be provided by your insurer after receiving the additional premium amount. In these particular cases, you should reach out to your insurer as soon as possible and provide the necessary information.

What are the conditions applicable when it comes to policy extension?

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The extension of the policy will be provided on the basis of the conditions mentioned below:

1. The policy period hasn’t expired

2. The sum insured won’t be increased under any condition

3. There isn’t any claim filed during the policy period

4. The policyholder has to declare his/her good state of health

5. The policyholder has to pay the premium for travel insurance extension before the actual extension comes into effect.

6. The policy period and the extension period don’t exceed the period of two years.

7. There isn’t any option of multiple extensions available. The extension can be availed specifically for one-time only.

When I meet with an accident in a foreign land, whom should I contact?

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If there is any road mishap and you need immediate medical intervention, then you can contact the alarm center/assistance companies with the required details.

Is there any grace period applicable?

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A 30-days grace period isn’t applicable in the case of single trip policies. It is applicable only for renewing annual multi-trip plans.

Is there any free Look or look-in period available?

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For single trip insurance, there isn’t any free look period applicable. When it is effective, it is non-cancellable, non-refundable, and non-renewable. For annual multi-trip insurance, there is a free look period of 15 days for the new annual multi-trip.

Would I get any reimbursement for medical expenses incurred abroad if I specifically went abroad seeking medical treatment?

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The insurance provides coverage to you specifically for the sickness or accidents that happen unexpectedly when you are studying overseas.

If I don't need the policy and I want to discontinue it, can my policy get canceled?

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There is only one situation where your policy can be cancelled, i.e. when you haven’t undertaken your trip and you are able to justify it by producing your passport. A cancellation request would be entertained with 14 days post the date of insurance as mentioned in the policy. When you get your policy canceled, a particular amount of money would be deducted as the administration charges from the amount that is to be refunded.

Service Provider	Plan	Benefits of the Plan	Exclusions
Bajaj Allianz	Bajaj Allianz Student Travel Plan	Emergency hospitalisation Loss of checked-in baggage Accident to sponsor Covers loss of Passport Provides assistance for bail bonds and tuition fee Emergency dental pain relief treatment Family visit due to a medical emergency Quick settlement of claim First of its kind with in-house toll-free customer care number and fax no	Pre-existing medical condition Unproven treatment Pregnancy, miscarriage, childbirth, abortion Medical costs beyond the policy expires Loss of passport due to carelessness or less protection Taking treatment other than modern treatment system
HDFC Ergo	HDFC Ergo Student Suraksha Travel Insurance Plan	Cash of hospitalisation Loss of Passport Loss of checked baggage Delay of checked-in baggage is also covered Emergency family visit No prior health-check up is required to open a policy The policy tenure is minimum from 30 days to 2 years	Pre-existing medical conditions A travel is planned to obtain medical treatment The injury occurred due to civil war, intentional exposure to danger, suicidal attempts etc. Bodily injury caused by venereal related diseases Mental and nervous disorder Nuclear energy risk Pathological fracture Injury out of surgery
Cholamandalam Insurance	Chola Student Travel Protection Plan	All in one plan for those who are going abroad for studies or occupation No medical test required Cashless hospitalisation benefits in abroad Individual ages between 5 to 65 is eligible to open a policy One can opt this plan in 3 variants such as Silver Plan, Gold Plan and Platinum Plan Quick medical service assistance and fast claim settlement	Any medical expense arises out of HIV or any HIV-related illness Any illness caused by war or warlike situation like invasions, civil war, riots, terrorist attack etc. Any claim arises out of sports related adventures which need proper professional training or participation with professional competitions
Future Generali	Future Student Suraksha	24x7 customer support at toll-free number Global medical assistance with huge hospital network Maternity benefits Need not worry about mental and nervous disorder as this plan covers them as well Loss of checked in baggage Personal legal liability benefit Assistance for loss of Passport and luggage Permanent disability cover Bail bond cover	Pre-existing medical history Loss which is not immediately reported to the policy Loss of passport due to carelessness An activity to breach law Any damage involving criminal activity If any claim made when the policy expires Self-imposed, suicidal activities are excluded
Apollo Munich	Educare-Student Travel Plan	Medical coverage including dental expenses, costs due to transporting mortal remains, family visit out of a medical emergency or medical expenses etc. Personal Accidental Cover Permanent disability occurred due to an accident Loss of checked-in baggage Delay of checked-in baggage Loss of Passport Bail bond Liability coverage Cover the paid tuition fee if the student is unable to continue his/her studies duet o medical emergency which exceeds 30 days Maternity and child-care benefit HIV cover in case the patient is in initial stage	Pre-existing diseases Travelling abroad for the medical treatment War or any war-related situations Violation law Self-motivated injury Suicidal attempt
Bharti AXA	Bharti AXA Smart Traveller Student Insurance	Expense of medical check-up, dental expenses Study interruption costs in case of the accidental death of the sponsor Pay minimal premium annually Students from age group 16 to 40 years is covered The policy tenure is extendable up to 4 years. The policy can be obtained for 30 days to 2 years You can avail additional benefits by paying 10% more premium. This can be used for treatment of mental disorder or in-patient medical costs Loss of essential documents	Cosmetic surgery Self-caused injury If joined navy, military or air force operations Professional adventurous sports Non-modern medical treatments such as homoeopathic, Yogic, Ayurvedic, Unani etc are not covered
Reliance General Insurance	Reliance Student Travel Care Policy	No paperwork No pre-medical check-up Offers coverage for non-medical benefits Fast claim settlement Sudden illness or emergency medical costs Acute dental anaesthetic treatment due to an accident Accidental injury Reimbursement of present semester fee in case an interruption is posed due to a medical condition Loss of checked-in baggage	Mental disorder Suicidal attempts Stress, depression, anxiety Medical expenses due to HIV-related treatment Any injury caused under the influence of alcohol or drugs Ignoring the advice of physician and travelling A planned travel to obtain medical treatment abroad

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