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

Student Travel InsuranceStudent Travel Insurance

Student Travel Insurance is a type of insurance that provides medical as well as non-medical insurance coverage to the students travelling abroad for studies. The policy remains active throughout their stay in a foreign country.

A student travel insurance policy comes loaded with unique features such as policy extension and auto-renewal facilities. The coverage under student travel insurance plan not just aids students to pay their hospital and medical bills, but also takes care of visits from family in case of emergency hospitalization, medical evacuation, repatriation, bail bond etc.

So, if you’re travelling abroad for higher education, you must cover yourself with student travel insurance to eliminate the odds of the financial risks arising out of any unpredictable and unfortunate instances.

Buy Student Travel Insurance

Why Do You Need Student Travel Insurance?

If you are studying out of India and living alone, there might be possibilities for things to go wrong and you would require support or a back-up to tackle the situation. For instance, an unfortunate event leading to emergency hospitalization can burn a hole in your pocket, as medical expenses are exorbitant in a foreign country. Students living outside India may also have visitors from their families during an emergency medical condition, which requires financial backup as well. Student Travel insurance covers all such eventualities and ensures that you don't have to bear the out-of-pocket expense. Other than these, student travel insurance comes in handy in covering those non-medical expenses as well such as:

  • Expenses arising out of emergency hospitalization due to an accident or  illness
  • Unfortunate events like loss of checked-in baggage, etc.
  • Bail bonds and tuition fee
  • Delay in take-off or cancellation of flight
  • Loss of passport
  • Compassionate visit
  • Bail bond cover

*For the complete list of inclusion, kindly refer to the policy document

To those going abroad for studies, a student travel insurance policy is highly recommended to ensure that any eventuality, such as a medical emergency leading to hospitalization does not lead to a financial catastrophe.

Student Travel Insurance Policy: Inclusions?

Student travel insurance policies offer the much-needed coverage that helps neutralize travel-related risks during a student's stay abroad while pursuing his higher education. The exact coverage varies from insurance provider per insurance provider.

Here are the basic elements of insurance coverage offered:

Emergency Medical Charges

It offers reimbursement to the insured person, for the incurred medical charges, in case of an unexpected illness or accident.

Dental Treatment Expenses

Student travel insurance provides dental treatment expense reimbursement, for acute pain or injury.

Permanent Disability

In case the insured is permanently disabled due to the accident, it pays pre-decided compensation to the insured's family.

Accidental Death Benefit

In the event of accidental death, it pays pre-decided compensation to the insured's family.

Medical Evacuation

It pays for the actual expenses or the pre-decided amount insured, whichever is lesser when repatriating the insured back to his/her country.

Body Repatriation

Student travel insurance pays for the actual expenses or the pre-decided amount insured, whichever is lesser in case of repatriating the mortal remains of the insured person back to his/her country.

Loss of Checked-in Luggage

In case the insured's luggage, personal documents are checked into a common carrier, reimbursement is provided to him/her for the replacement of any lost or damaged articles.

Delay of Checked Luggage

Student travel insurance offers an amount, for buying toiletries and fresh clothes, to the insured because of delay in luggage.

Missed Departure or Missed Connection

The insured person is provided reimbursement for the incurred expenses because of missed departure, or missed connections by the airline under Student travel insurance.

Trip Delay

The insured person is provided reimbursement for the incurred expenses due to trip delay if it is delayed for more than 12 hours.

Loss of Passport

In case the insured person's passport is lost, Student travel insurance policy will reimburse the actual incurred expenses for making arrangements for a fresh or duplicate passport is provided.

Personal Liability

Student travel insurance pays for damage(s) that an insured is legally bound to pay because of a lawsuit for property damage(s) caused by him/her. Also, it offers benefits for medical expenditures that an insured is legally bound to pay, against a lawsuit for causing an accident that resulted in causing bodily injury to someone.

Study Interruption

In case there is any interruption in the study of the insured person due to an emergency, Student travel insurance compensates for the loss.

Sponsor Protection

In case of accidental death of the sponsor of an insured person, Student travel insurance pays for insured's tuition fees.

Daily Cash Allowance Benefit

Daily cash allowance is provided in case an insured person is hospitalized for more than a specific number of days as mentioned in the policy document.

Bail Bond

While travelling, it covers the bail amount for an insured person in case of arrest/detention by local police for a bailable offence.

Compassionate Visit

In case there is a need for a compassionate visit by an immediate family member of the insured, Student travel insurance covers that compassionate visit.

Treatment for Expecting Mothers

After completion of the waiting period of 10 months, Student travel insurance covers pregnancy-related in-patient medical expenses. Again depending on the type of policy that covers the particular situation.

Childcare Benefit

Some insurance providers under student travel insurance provide hospital cash allowance for childcare.

Hijack Cash Benefit

It offers a distress allowance to the insured person as mentioned in the policy. This is in case your flight has been disrupted because of a hijack.

Fraudulent Charges for Payment Card Security

In the event of the insured's payment card being stolen or lost, reimbursement is provided for the unauthorized expenses that an insured person is responsible for. 

Emergency Accommodation Benefit

In case of a natural catastrophe, when an insured person is unable to stay at his/her original accommodation, the compensation is provided for additional expenses of emergency accommodation under Student travel insurance.

Student Travel Insurance: Exclusions

Every student travel insurance policy has certain situations that are out-of-the coverage list.

  • Student Travel Insurance will not cover expenses incurred due to a pre-existing medical ailment unless the same condition is covered by the policy.
  • 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
    • If the insured is travelling without the consent of his physician
    • Travelling to avail a specified medical treatment.
    • Suffering from a terminal disease.
  • Theft, damage or loss of passport due to carelessness and negligence, or not reported to the local police authorities on time etc are not covered under Student travel insurance.
  • Partial damage or loss of checked-in baggage (only complete loss or damage is covered). Moreover, precious items inside the bag are also not covered by Student Travel Insurance, unless it is mentioned in the list of inclusions.
  • Any situation arising due to war or nuclear threat in the country you are travelling to are not covered by Student travel insurance.

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:

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 such a policy. Pursuing education should be the primary purpose of your travel. This policy is valid for both domestic or international travel.

Compulsory Clause

As having health insurance is a mandatory clause for students in foreign countries, almost every foreign universities offer health insurance. However, by opting for student travel insurance, the students can cover themselves for medical emergencies abroad. Some universities may also decline the admission application in case the student is not insured.

Cheaper Premiums

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

Substitutes

Student medical travel insurance is provided at very affordable rates by the insurance companies in India. It is advisable to choose a plan that can substitute the health covers provided by the university but can offer better coverage. Moreover, by comparing the plans, one can save a lot on premiums of student travel insurance.

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 intercollegiate sports injuries, pregnancy, mammography, cancer screening, and childcare benefits.

Waiver of Premiums

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

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 the extension of policy.

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.

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. 

Student Travel Insurance Claim Process

Claim Process of Student Travel Insurance

During your stay in the foreign land, you never know when you need to file a claim. Here is the claim process for student travel insurance.

  • Immediately get in touch with your insurance provider to inform about the loss or arising of a claim. You can register it by calling on their s helpline number and provide them the claim details. In case you need any assistance, feel free to raise your doubts.
  • In case of an abrupt mishap or sudden sickness; where it's not possible to notify your insurance provider well in advance before seeking medical intervention, get in touch with your insurance provider as soon as possible.If required by your insurance provider, you need to undergo a medical examination. Don't worry about the costs since it will be covered by your insurance provider.

Student Travel Insurance Cancellation Procedure

Student Travel Insurance Cancellation Procedure

Before embarking on your journey, you can cancel your trip anytime, but you have to justify the reason. Here is the cancellation process for a student travel insurance plan in India.

  • Give a written notice to your insurance provider 15 days in advance, mentioning your policy number, attaching the scanned copy of your passport and stating the reason for the cancellation. You can also cancel the plan within 7 days after the date when you were supposed to travel or the expiry date of your plan in case you haven't undertaken that trip.
  • The insurance provider will verify the original passport to make sure that you didn't undertake that journey. Wait for tour insurance provider to approve your cancellation.

Student Travel Insurance Premium Refund

Premium Refund upon Early Return

There are some insurance providers, who offer a premium refund upon early return. If you end your trip before the expiry of your insurance plan and you haven't filed any claims, you can get in touch with your insurance company to get a premium refund. In case you get a refund, it will come with a few deductions.

Extension of Student Travel Insurance

There can be situations that may force you to extend your stay abroad. For instance, if your exams get postponed and are rescheduled post the expiry of your policy. Or if you get hospitalized for an illness/ accidental injury that extends your stay beyond your original schedule. In all of these situations, a need to extend your student travel insurance will arise. Luckily, all travel insurance policies allow the insured to extend their student travel insurance policies.

If your overseas stay gets extended due to reasons beyond your control, then your travel insurer will extend your policy, provided you have paid the additional premium amount applicable. Several factors determine the additional amount of premium that you would have to pay in order to extend your student travel insurance policy. The period of extension, your age, type of insurance plans, location of your university, etc. are some of the factors that influence the additional premium that you’ll have to pay.

Besides, your student policy will be extended if you meet the following conditions:

  • The student travel insurance policy hasn’t expired already
  • Sum insured amount remains the same even after policy extension
  • No medical claims have been filed during the policy tenure
  • Insured must declare that he does not have any pre-existing health conditions
  • The additional premium should be paid before the policy extension period comes into effect
  • The total policy period, including the original policy period and extended period, does not exceed a period of two years
  • Most insurance companies allow insured students to extend the policy only once. However, the exact number of times you can extend your travel insurance depends on the policies of your insurance company. You should check with your insurance provider to find out the exact number of times you can extend your student travel insurance policy.

Make sure to inform your insurance company or the assistance provider as soon as possible so that the policy extension can be made effective on time. Also, keep in mind that the extension of your travel insurance policy depends on the sole discretion of the insurance company.

Moreover, you can extend your student travel insurance policy only if the ongoing claim is related to one of the following covers:

  • Loss of passport
  • Dental treatment
  • Emergency financial assistance
  • Loss/ delay of check-in baggage
  • Trip delay
  • Missed connection
  • Trip cancellation & interruption
  • Hijack distress allowance

Student Travel Insurance Premiums

Saving-Up on Student Travel Insurance Premiums

If you are looking forward to save some money on your insurance premium, here are a few things to be covered when it comes to lowering down Student Overseas Travel Insurance premiums.

  • Buy Your Travel Plan Online - Purchasing a student travel insurance plan online is super easy and convenient as compared to offline modes. It helps you to save your money and fetch amazing discounts and offers.
  • Analyze the Involved Risks - It is very important to assess the safety and health risks associated with the destination you'll travel to. If it's less risky, then there is no need for you to buy a higher health cover. You can go for the basic coverage based on the duration of your trip in the foreign country.
  • Buy an Insurance Plan Soon After You Book Your Trip - The closer you are to the trip, the higher the insurance premium you'll be offered. When you've already secured your seat in a college, don't delay purchasing travel insurance for students. This way, you will get the lowest premiums and the maximum insurance coverage,
  • Opt For The Right Deductible - The deductible is a pre-decided amount that an insured person has to pay at the time of filing a claim and the remaining amount is covered by the insurance provider. The deductible affects an insurance premium; ensure that you opt for the deductible basis on what fulfils your travel insurance expectations.

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, guaranteed end-to-end assistance

Focused on providing students with financial coverage against those travel-related eventualities, student travel insurance provides the much-needed assistance in the hour of need.

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 a bail bond, reimbursement of tuition fee under sponsor protection, compensation on loss of passport and a lot more.

Written By: PolicyBazaar - Updated: 24 September 2019
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
TATA AIG Tata AIG Student Travel Insurance
  • Accident and Illness Related Medical Expenses
  • Accidental Death And Dismemberment
  • Delayed Luggage
  • Missed Departure and Missed Connections
  • Trip Delay
  • Passport Loss
  • Hijack Cash Allowance
  • Personal Liability
  • Fraudulent Charges
  • Compassion Visit
  • Study Interruption
  • Sponsor protection
  • Repatriation of the Mortal Remains
  • Loss of Luggage
  • Baggage loss (common carrier)
  • Baggage delay
  • Loss of passport
  • Missed connections / missed departure
  • Fraudulent charges (payment card security)
  • Accidental and sickness medical expense
  • Accidental death and dismemberment (including felonious assualt)
  • Study interruption
  • Sponsor protection
Star Health Star Health Student Travel Insurance
  • Emergency Medical Expenses
  • Dental Treatment Expenses
  • Emergency Medical Evacuation
  • Transportation of the Mortal Remains
  • Loss of Passport
  • Loss of Checked-in Luggage
  • Attempted suicide or suicide
  • Nervous disorder ,mental disorder, anxiety, stress or depression
  • HIV/ AIDS
  • Attempted crime or felony
  • Voluntary exposure to needless danger
  • Participation in adventure sports
Q:

Why do I need Travel Insurance?

Ans:

Travelling brings lots of excitement and fun. However, you shouldn’t avoid the possibility of uncertainties while travelling. Overseas Travel Insurance can be a saviour in case of a financial emergency arising out of travel-related risks such as baggage loss, loss of important document like passport, a medical emergency etc. A travel insurance policy covers you for the unanticipated expenses incurred while travelling and keeps your trip safe.

Q:

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

Ans:

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

Q:

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

Ans:

If you haven’t travelled 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 cancelled because of the refusal of the Visa by the Embassy, the Visa rejection letter would need to be submitted.

Q:

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

Ans:

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

Q:

What are the exclusions under student travel insurance plans?

Ans:

You are not covered for the following situations:

1. Travelling 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

Q:

What happens in case the overseas stay is extended?

Ans:

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.

Q:

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

Ans:

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.

Q:

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

Ans:

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

Q:

Is there any grace period applicable?

Ans:

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.

Q:

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

Ans:

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.

Q:

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

Ans:

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

Q:

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

Ans:

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 cancelled, a particular amount of money would be deducted as the administration charges from the amount that is to be refunded.

Q:

Do I really need student travel insurance coverage?

Ans:

When you travel abroad to study, you are exposed to various risks arising out of some unexpected/unfavourable 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.

Q:

Whom to approach if there I have been hospitalized and how do I register a claim?

Ans:

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.

Q:

What is a deductible?

Ans:

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.

Q:

Who is eligible to buy a student travel insurance?

Ans:

People who are going overseas to study at an international university should purchase a student travel insurance policy. Moreover, the applicants should be between the age of 16 and 35 years.

Q:

How will student travel insurance benefit me?

Ans:

There are several benefits of having a student travel insurance policy. They include:

1. Covers medical expenses during the course of study

2. Imdenifies pre-paid tuition fees in case of study interruption and death or permanent disability of the sponsor

3. Offers legal prosecution and bail bond

4. Provides financial assistance in case of loss of baggage or passport

Q:

Is it mandatory to buy student travel insurance?

Ans:

Buying student travel insurance for your study trip abroad is not mandatory universally. However, many international universities have made it compulsory for all students to possess valid travel insurance. Make sure to check the insurance requirement with your university as some of them prefer students to buy insurance policies from them.

Q:

When to buy student travel insurance?

Ans:

If you are going to travel abroad to pursue education, you should buy a student travel insurance policy before the date of your departure from India.

Q:

Is it mandatory for me to be in India at the time of purchasing the student travel insurance policy?

Ans:

​Yes. It is mandatory for all applicants of student travel insurance to be in India at the time of purchasing the policy. This is because travel insurance policies cannot be purchased if the applicant has already left the country to study abroad.

Q:

Will my university abroad recognize/accept my international travel insurance?

Ans:

Almost all universities abroad accept/ recognize the international travel insurance offered by insurance providers in India. However, it entirely depends on your university if it accepts your travel insurance policies. This is because certain universities have tie-ups with specific insurance companies and want their students to purchase international travel insurance policies offered by them.

Q:

Can an insurance company issue more than one policy for the same journey?

Ans:

No. Only one travel insurance policy can be issued to a person travelling abroad for studying. You cannot buy more than one student travel insurance for the same journey.

Q:

What is an Emergency Assistance provider?

Ans:

​An Emergency Assistance provider is an organization appointed by the insurance company that offers customer-centric services to the insured student in case of an emergency abroad. It helps to provide assistance in case of an emergency abroad as their representatives are present all over the globe. It also helps the insured student to raise a claim and sometimes, settle it on behalf of the insurance company.

Q:

Do I need to file an FIR in case of an accident?

Ans:

Many insurance providers require insured students to file an FIR in case of claim related to an accident. You should check with your insurer if you need to file an FIR in such situations.

Q:

Will I get a refund if my university does not accept the policy?

Ans:

Yes. You will get a refund if your travel insurance policy is not accepted by your university abroad. The refund will be made as per the terms of your policy. You need to submit a letter requesting cancellation. The refund will be effective from the date of request and the confirmation of the claim.

Q:

How can I cancel my student travel insurance policy?

Ans:

In order to cancel your travel insurance policy, you need to submit the following documents to the insurer:

1. Details of your policy

2. Letter requesting cancellation of policies

3. Copy of passport/ visa rejection/ cancelled flight ticket

Q:

How many times can I extend my student travel insurance policy?

Ans:

The exact number of times that you can extend your student travel insurance policy depends on the guidelines of your insurance company. You should check with your insurance provider for the terms of policy extension.

Q:

How am I covered if I meet with an accident during the trip and suffer injuries or losses?

Ans:

In case you meet with an accident abroad and suffer from injuries and losses, your travel insurer will cover the cost of your medical treatment. In the worst-case scenario, if the accident leads to your death, compensation will be paid to your family. In case you suffer from a permanent total disability as a result of the accident, you will receive compensation from your insurer. However, the extent of the compensation and the treatment expenses is limited to the sum insured of your student travel insurance policy.

Q:

What kind of risks are covered under a student travel insurance policy?

Ans:

The exact extent of risk coverage in a travel insurance policy varies from one insurance company to another. Most travel insurance policies cover the following risks:

1. Medical treatment expenses

2. Loss of passport

3. Dental expenses

4. Loss/ delay of check-in baggage

5. Medical evacuation

6. Trip delay

7. Repatriation of mortal remains

8. Personal accident

9. Accidental death & dismemberment (common carrier)

10. Trip cancellation & curtailment

11. Personal liability

12. Missed connection flight

13. Sponsor protection

14. Bail bond

15. Study interruption

16. Compassionate protection

17. Maternity cover

18. Childcare benefits

19. Fraudulent charges for card payment security and many more.

Q:

Am I covered for any injuries caused while participating in sports events of my university or while playing basic games like cricket and golf?

Ans:

Any injuries caused while playing regular sports or during the inter-college sporting events are covered by most travel insurance companies. But if you participate in adventure sports activities, you’ll have to pay for the medical expenses incurred as it will not be covered under the student travel insurance.

Q:

Does student travel insurance cover dental treatment expenses?

Ans:

Most travel insurance plans for students cover expenses incurred on dental treatment during your trip abroad.

Q:

How will my insurance policy help me if I lose my passport during my stay abroad?

Ans:

In case you end up losing your passport while studying abroad, your student travel insurance policy will cover the expenses incurred in obtaining a duplicate or new passport. However, no expenses will be covered if the passport is lost due to the carelessness of the insured student or if it has been confiscated by the police or the customs officials.

Q:

Will I be covered if my baggage does not clear on time?

Ans:

A student travel insurance policy will not reimburse any expenses if your baggage does not clear on time. The policy will only cover the delay in the arrival of check-in baggage.

Q:

In case I lose my hand baggage while travelling with an airline, will I be covered under the student travel insurance policy?

Ans:

Travel insurance policies for students only cover loss or delay in the arrival of check-in baggage. Any loss or expenses incurred on the loss of hand baggage will not be compensated by the insurance provider.

Q:

If I get injured or suffer a loss while travelling in a ship or metro abroad, will my policy cover me?

Ans:

If you get injured or suffer a loss while travelling in a common carrier, you will be covered under your student travel insurance policy. A common carrier refers to a public transport service that is licensed by the transport authority of that country for providing services to the public.

Q:

Is pregnancy or any complication/ illness arising due to pregnancy covered by student travel insurance?

Ans:

Almost all student travel insurance policies cover pregnancy-related expenses and the expenses incurred on treatment of any illness/ complication arising out of pregnancy. However, it is advised to all insured students to check the extent of coverage with your insurance provider.

Q:

If I get injured on the last day of my student travel insurance policy and need to continue my treatment abroad, will my policy be extended automatically?

Ans:

If you suffer an injury on the last day of your student travel insurance and need to extend your stay abroad, the policy will cover the expenses incurred up to 30 days after the expiry of the policy. You need to prove that travelling back to your home country is not possible. You also need to intimate the Emergency Assistance Provider that you cannot return to India as per schedule. However, if you contract a new disease within the extended period, your insurance provider will not cover any expenses.

Q:

Will I be covered if my final examinations are delayed and rescheduled after the expiry of the policy?

Ans:

In case your examinations have been delayed and rescheduled to happen after the expiry of your student travel insurance policy, you will have to extend your policy. This is because the policy will cover the insured student for the pre-decided policy tenure only.

Q:

If I fall sick or get I injured and end up repeating a semester, will I be covered under my student travel insurance policy?

Ans:

In case you fall sick or get injured during the policy tenure and have to repeat a semester, you will be covered by your insurance provider under the study interruption cover. The only criteria are that you should be hospitalized for more than one month consecutively. Your insurance provider will reimburse the tuition fee pre-paid to the university for the total number of months for which you had to miss the classes and any extra expenses you had to pay.

Q:

If I lose my newly issued passport after returning back to India, will my student insurance policy cover the expenses involved?

Ans:

Student travel insurance covers expenses incurred in obtaining a new or duplicate passport if it is lost during your trip abroad. If you lose your passport after you have returned back to India, your travel insurance policy will not cover any expenses incurred.

Q:

What are the various modes of premium payment?

Ans:

The premium for a student travel insurance policy can be paid both online and offline. If you buy travel insurance offline, you can pay the premium in cash or by cheque. If you want to pay the premium online, you can do so using a debit card, credit card or via internet banking.

Nonetheless, all applicants of travel insurance for students are advised to check the exact modes of payment from their insurance provider. This is because the payment mode may vary from one insurance company to another.

Q:

How do I decide the scope of coverage for my travel insurance policy?

Ans:

Each student, who wishes to be covered under travel insurance, should decide the scope of your student travel insurance on the basis of their financial capacity and the requirements. You should consider the tenure of the policy, coverage offered as well as the amount of premium you can pay before you finalize the sum insured amount.

Q:

How much extra premium will I have to pay if I extend my travel insurance policy?

Ans:

The additional amount of premium that you would have to pay in order to get your policy extended depends on several factors. These factors include the type of plan, the period of extension, age of the student, place where the university is located, etc.

Q:

Can I get any discounts on my premium amount?

Ans:

Most insurance companies do not provide any discount on the premium amount. Nonetheless, each applicant of student travel insurance is advised to consult the insurance provider for any discounts, if any.

Q:

How early do I need to inform the insurance provider about my accident?

Ans:

In the event of hospitalization due to an accidental injury, the insured student should intimate the assistance provider of the insurer within 24 hours of getting hospitalized.

Q:

Do I need to pay the money to the doctor or healthcare provider or will the insurance provider pay the bills?

Ans:

If you are admitted at one of the network hospitals listed by your insurance company, you can avail cashless treatment. In a cashless treatment facility, the treatment bill will be settled directly by the insurer. In case you are not admitted at a network hospital, you will have to settle the bill and file for a reimbursement claim with the insurance company.

Q:

Will student travel insurance cover any pre-existing ailments?

Ans:

No. Insurance companies do not cover pre-existing ailments of the insured student under student travel insurance policy.

Q:

What is sub-limit?

Ans:

Sub-limit is a restriction or limit on the indemnity provided by a travel insurance provider. It helps the insurer to calculate how much compensation should be paid to an insured student, taking into account the age of the insured and the coverage of the policy.  

Q:

What all are included under the medical expenses covered by student travel insurance?

Ans:

All student travel insurance policies cover medical expenses that include the following:

1. Medical treatment expenses for an illness or accidental injury

2. Pre & post hospitalization expenses

3. Room rent

4. Expenses incurred on expenses

5. Daily hospital cash

6. Cost of ambulance services

7. Pharmacy bills

8. Cost of pathology tests and investigations

The insured student should make sure that the treatment has been prescribed by the doctor or a medical practitioner

Q:

What is sum insured?

Ans:

Sum Insured is the maximum amount that an insurance provider pays to the insured student in case a claim has been made. In no circumstances, the insured will receive greater compensation or reimbursement than the sum insured mentioned in the student travel insurance policy.

Q:

Can I register a claim after I return back to India?

Ans:

Many insurance companies allow the insured to register a claim after he has returned back to India. In most cases, it is allowed up to 30 days of getting back to India. The insured is advised to check with the insurer if they provide this facility.

Q:

How will I receive the claim amount for a reimbursement claim?

Ans:

Most insurance companies send the reimbursement claim amount directly to the bank account of the insured. If the online transfer is not possible, the insurance company will issue a cheque in favour of the insured student.

Q:

When will my student travel insurance policy start and end?

Ans:

A student travel insurance policy begins on the day you commence your travel abroad. The policy ends as soon as you return back to India or with the expiry of the policy tenure, whichever is earlier.

Q:

Will I get a cashless facility for dental treatment?

Ans:

No. Most insurance providers do not offer cashless facilities for dental treatment. You may have to pay the dentist for your dental treatment and later file a reimbursement claim. However, you should check with your travel insurer if they do provide cashless dental treatment facility.

Q:

Will I be getting a travel health card that I can produce at the hospital to avail medical treatment?

Ans:

Most of the travel insurance companies in India do not provide any travel health card that you can show to a healthcare provider abroad. You are only required to submit a copy of your student travel insurance policy and inform the assistance provider about your hospitalization.

Q:

Does my travel insurance cover ambulance charges?

Ans:

Yes. Almost all travel insurance policies cover expenses incurred on availing emergency ambulance services. It includes the cost of transporting the insured student from one healthcare provider to another if recommended by the treating doctor.

Q:

Are pharmacy bills without the prescription of a doctor or medical practitioner covered under the policy?

Ans:

No. Student travel insurance only covers the cost of medicines purchased on the recommendation of a licensed doctor or medical practitioner. Any medicine bills without the prescription of the doctor will not be covered under your insurance policy.  

Q:

What if I am not able to submit all the supporting documents for reimbursement claim?

Ans:

It is extremely important to submit all the supporting documents at the time of filing a reimbursement claim. It helps the insurance company to check the validity of the claim and the extent of coverage offered. If you are unable to submit all the documents required by the insurer to process your reimbursement claim, your travel insurance company will reject your claim.

Q:

What will happen if I lose original copies of the documents to be submitted?

Ans:

In order to process a reimbursement claim, insurance companies ask the insured to submit several documents in original. In case you have lost some of your original documents that need to be submitted in support of your claim, your insurer will deny your claim and will not make any payment.

Q:

Can I extend my student travel insurance policy if there is already an ongoing claim?

Ans:

You can extend your student travel insurance policy even if there is an existing claim going on, provided you declare that you do not have a pre-existing medical condition. It can be extended only if the ongoing claim is related to covers including:

1. is the maximum amount that the turse the tuition fee any to another. d yout trl insurance policy.will cover the cost oDental treatmentLoss of p

2. Loss/ delay of check-in baggage

3. Loss of passport

4. Emergency financial assistance

5. Trip delay

6. Hijack distress allowance

7. Missed connection

8. Trip cancellation & interruption

Moreover, the extension of the policy is at the discretion of the insurer.

Q:

Will the members of my family also be covered under my student travel insurance policy?

Ans:

No. Student travel insurance only covers the insured traveller and protects him from any unforeseen emergencies he may face during his stay abroad. The family members of the insured student will have to take separate international travel insurance or family travel insurance, based on their requirement.

Q:

How many days will it take to settle my reimbursement claim?

Ans:

The number of days taken to settle a reimbursement claim varies from one insurance company to another. You need to check with your travel insurer to find out the exact number of days it will take to pay your claim amount. However, most companies take a maximum of 30 days from the date of receiving all the supporting documents to settle a reimbursement claim.

Q:

Where can I read about the benefits and the sub-limits for different covers provided by my travel insurance policy?

Ans:

All the details regarding the benefits provided under a student travel insurance policy are clearly mentioned under a policy schedule. You can also go through the policy wordings to find out the sub-limit for each benefit or coverage provided under the policy.

Q:

What should I do when I fall sick during my stay abroad?

Ans:

In case you fall ill during your stay in a foreign country, you should visit a doctor or healthcare provider. If you were taking an outpatient treatment, you can pay the bill and register a reimbursement claim with the insurance provider.

If you get admitted to a hospital for more than 24 hours, you need to inform your insurance company or the assistance provider about your hospitalization at the earliest. The insurer will settle the bills directly with the network hospital in case of cashless treatment. If you are not admitted to a network hospital, you will have to file a reimbursement claim after you have gotten discharged from the hospital and settle all the bills.

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