Student Travel Insurance

Student Travel Insurance

Student Travel Insurance: Secure yourself from the unforeseen troubles with the best student travel insurance. Compare and select from a wide range of travel insurance for students at PolicyBazaar.

  • Student Travel Plans from Top Insurers
  • Lowest Premium on Student Travel Insurance
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The number of Indian students migrating abroad for higher education is rising every year. Studying abroad is an advantageous prospect but involves a lot of risk as well. Medical expenses and cost of hospitalization in foreign currency can be destructive to your pocket. Also, there can be other uncertainties like accidents or loss of passport. A student travel insurance plan provides you a complete bailout from all the heavy expenses associated with such eventualities.

Buy Student Travel Insurance

Why Should You Buy Student Travel Insurance?

If you are a student studying abroad and living alone, there might be possibilities for things to go wrong and you would also require a support or a back-up to tackle the situation. Student travel insurance policy would cover you for all such contingencies for just a snatch of the cost you would otherwise need to incur.

Read in Detail: Why Student Travel Insurance Is Necessary

Student Travel Insurance Coverage

What Does Your Student Travel Insurance Policy Cover?

Here is a list of a few covers you get in any student travel insurance Plan:

    • Expenses incurred on medical emergencies when in abroad, for example, sudden illness, injury, or death
    • Expenses made for evacuation to India due to medical emergencies
    • Transportation expenses for sending the insured’s mortal remains back home or expenses incurred for the burial abroad due to untimely death
    • Dental surgery due to an injury while on the trip
    • Accidental injury to any body part while travelling or when abroad
    • Compensation in case of permanent disablement or death due to an accident, while travelling in a common carrier as a passenger.
    • Cost incurred on obtaining a new or duplicate passport in case the passport gets lost
    • Loss due to checked-in baggage misplaced by a common carrier
    • Amount spent to buy return tickets for a family member travelling to see you, the insured, in case of hospitalization for more than 7 days.
    • Amount paid to the concerned authority to obtain bail in case of apprehension by any judicial authorities due to a bailable offence, while abroad.
    • Reimbursement of a semester’s fee if your education gets hampered due any medical issue.
    • Reimbursement of tuition fees, in case of death of the person (due to an injury) sponsoring the expense of your education.

Student Travel Insurance Exclusion

What All Doesn’t A Student Travel Insurance Policy Cover?

Every student travel insurance policy has certain situations that are out-of-cover.

      • Your policy will not cover expenses incurred due to a pre-existing medical ailment, unless the insured is in a serious condition.
      • Expenses incurred due to any of the following situation:
        • Suicide; injuries or illnesses due to self-infliction
        • Any kind of mental disorder
        • Depression, stress, or anxiety
        • Any Venereal disease
        • Alcohol or drug abuse
        • HIV/AIDS
      • Expenses incurred in a situation when you are
        • Traveling and your doctor has advised you not to do so.
        • Taking or registered for a specified medical treatment.
        • Travelling abroad to get treatment for a medical problem.
        • Suffering from a terminal disease.
      • Theft, damage or loss of passport due to carelessness and negligence, or not reported to the local police authorities
      • Partial damage or loss of checked-in baggage (only complete loss or damage is covered)
      • Any situation arising due to war or nuclear threat in the country you are travelling to

Student Travel Insurance Facts

Facts You Should Know About Student Travel Insurance

Negligence towards matters and fact related to insurance can lead you to an inadequate insurance plan. Listed below are a few facts that you should know about student travel insurance:

1. Eligibility

You are eligible to enter a student travel insurance plan at the age of 16. However, a person above 35 years of age cannot buy student travel insurance.

2. Compulsory Clause

In most of the foreign universities it is mandatory for students to buy a health insurance cover. Some universities may also decline the admission application in case the student is not insured.

3. Cheaper Premiums

Premiums for the student travel insurance plans are cheaper in case of policies bought from domestic insurance providers. The premiums are lesser by as much as nearly 1/3rd of the premiums payable for the policies offered by insurers in universities abroad.

4. Substitutes

Student medical travel insurance is provided at very cheap rates and much low premium by the Indian insurance companies. It is advisable to choose a plan that can substitute the health covers provided by the university, but can offer a better coverage. This can save you a lot of amount.

5. Mandatory Risk Covers

Due to the urban lifestyle in the western countries, many universities have made it compulsory for students to have coverage against specific risks like drug dependency, mental and nervous disorders, alcoholism, and other expenses related to inter-collegiate sport injuries, pregnancy, mammography, cancer screening, and childcare benefits

6. Waiver of Premiums

If you, as a student, have availed health insurance plan from an Indian insure, then you can claim a refund from the foreign university as the premium is already included in the fees paid to the university.

7. Easy Extensions

You can continuously stay covered for the entire term of your academic course by opting for an auto-renewal of policy. You can also simplify the same with the help of online renewal and advance extension of policy.

8. Pregnancy Clause

Any expense related to pregnancy and childbirth is not covered. However, the expenses incurred due to any unforeseen emergency, save the insured person's/child's life in case of acute complications are covered. Coverage would be provided only if the insured person has not completed 38 years of age and 30 weeks of pregnancy.

9. Study Interruption Cover

If you have opted for study interruption cover and you are hospitalized for a consecutive month or more due to illness, injury, or medical repatriation, then you will get a reimbursement of the tuition fee that has been paid for that period. Also the same implies, if your sponsor or an immediate family member expires, leading to discontinuation of your studies. 

Click Here to Read About Myths and Facts of Student Travel Insurance 

Travel Insurance at PolicyBazaar

What Does PolicyBazaar Do For You?

Buying student travel insurance from PolicyBazaar can offer following benefits:

  • Make an ideal choice by comparing various insurance quotes
  • Choose the plan according to your specific requirement
  • Complete transparency of information
  • Compare and analyze the features and USPs of various plans simultaneously
  • Buy the most efficient product in the least amount of time
  • Quick and convenient insurance shopping
  • Safety, mental peace, guarantee, end-to-end assistance

Focused at providing students with a cover against financial losses arising due to medical issues and illness-related eventualities, travel insurance for students give financial security to students in a foreign country.

You can also opt for other benefits with your travel insurance policy to fortify the cover and make your policy a comprehensive one. These riders include provision for bail bond, reimbursement of tuition fee under sponsor protection, compensation on loss of passport and a lot more.

Service Provider Plan Benefits of the Plan Exclusions
Bajaj Allianz Bajaj Allianz Student Travel Insurance
  • 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 Travel Insurance Suraksha
  • 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 Insurance 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

Do I really need student travel insurance coverage?


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?


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?


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?


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?


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?


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?


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?


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?


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?


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?


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?


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?


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?


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?


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.

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