Student Travel Insurance is a unique blend of international travel and health insurance. Designed for students studying abroad, it provides financial cover for any medical expenses, baggage-related risks, study disruption and other travel-related risks that students may face during their trip.
* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years
Don’t worry you can change your trip dates at a later stage
No. of travellers
If the traveller have a known illness, injury or health condition like heart disease, diabetes, cancer etc which will help us cover you
Please select the travellers who have a pre-existing medical condition
Now covers COVID-19
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Accidental & sickness expenses
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Table of Content
Student travel insurance is a cover for anyone going abroad for educational purposes. With sky-high rates and expensive medical care abroad, travel insurance for students studying abroad comes loaded with unique features to save you from any exorbitant expenses when you're alone in a foreign country. Most of these plans come with features like policy extension and auto-renewal facilities making it easier for the insured student.
So, if you’re travelling abroad for higher education, you must cover yourself with the best student travel insurance plan to eliminate the odds of the financial risks arising out of any unpredictable and unfortunate instances.
|Eligibility||Indians between 16-35 years who are pursuing higher education abroad|
|Duration||Can range between 1-3 years|
|Benefits Offered||Medical Expenses Cover
Delay/Loss of Baggage
Maternity and Childcare Benefit
Loss of Laptop
|Common Exclusions||Medical expenses due to pre-existing diseasesSelf-inflicted injuries, STDs, Mental/Nervous DisordersExperimental or alternative treatments|
|Renewal||Facility of automatic renewal available|
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 3 to 4 times higher abroad. 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 expenses. Other than these, student travel insurance comes in handy in covering those non-medical expenses as well such as:
*For the complete list of inclusion, kindly refer to the policy wordings
To those going abroad for studies, make sure to buy the best student travel insurance policy so that you can avoid any emergency leading to a financial catastrophe.
Overseas student travel insurance comes with certain features that differentiate it from other types of travel insurance. Take a look at some of the most common features of international student travel insurance offered by insurance providers in India:
No matter which part of the world you plan to study in, you will be protected under international student travel insurance.
If something goes wrong while you're studying abroad, your insurer will assist you during various difficulties as per the scope of the policy.
No person wants to be sick, let alone get sick far away from home. It's inconvenient, overwhelming, and often expensive. This policy will protect you from exorbitant medical costs when you are staying abroad for studies. Be it an accident or an urgent medical evacuation, the student travel insurance plan will cover all the costs.
In case the university/ college abroad does not accept the student travel insurance policy that you had purchased in India, then you can easily get it canceled. All insurance companies come with a student travel insurance policy cancellation option.
In case of theft or loss of baggage, your overseas student travel insurance plan will help you with the costs of all necessary amenities.
As low as the chances may be, if you are ever a victim of hijacking, your policy will offer you some distress allowance to help you cope with the trauma that you may experience.
It's not uncommon to find yourself accidentally liable to a third party when abroad. If you happen to be involved in an accident that damages a person's property or the person themselves, your policy will help you take care of the necessary expenses.
Most insurance companies come with an auto-renewal option that can be used to renew your student medical insurance policy for the next semester if your existing policy tenure expires at the end of your semester.
If hospitalized for over seven days, your insurance plan will provide the cost of travel and stay of your immediate family member so that they can be with you
In case of delays due to late exams, you can easily extend your student health insurance plan to cover the entire duration of your stay abroad. Moreover, you can also use the auto-renewal feature to automatically renew.
Perhaps the most important feature of student travel health insurance plans; if 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.
To give you a better idea about these plans, some of their key benefits and eligibility criteria have been provided in the table below:
|Travel Insurance Companies||Eligibility||Key Features|
|Bajaj Allianz Student Travel Insurance||16 to 35 years||
|Bharti AXA Smart Traveller Student||16 to 40 years||
|Chola Student Travel Protection Plan||16 to 35 years||
|Future Student Suraksha||18 to 35 years||
|HDFC ERGO Student Suraksha||16 to 35 years||
|HDFC ERGO Health EduCARE||10 to 50 years||
|National Overseas Mediclaim Employment and Studies||-||
|New India Overseas Mediclaim Insurance (Employment & Studies)||Up to 70 years||
|Oriental Overseas Mediclaim – Employment and Study||5 to 60 years||
|Reliance Student Travel Insurance Plan||16 to 35 years||
|Religare Student Explore||12 to 40 years||
|Royal Sundaram Travel Secure – Student Plan||12 to 40 years||
|Star Student Travel Protect Insurance||15 to 40 years||
|TATA AIG Student Guard||16 to 35 years||
|United India OMP for Employment and Studies||5 to 60 years||
|Universal Sompo Student Travel||16 to 35 years||
Going to a foreign land to study is a dream for most people. For many Indians, this can easily become a reality thanks to affordable resources and insurance options available to them. Here's a list of the top five study destinations if you're a student planning to go abroad for your education:
The most hospitable of all countries has also quickly become a favorite among the Indian student population. Compared to other countries, the average tuition and living cost here is much less without compromising the quality of education. Most colleges here invite applications for fall, winter, and summer intake.
The ultimate American Dream, to this day getting into a distinguished US university is considered a feat not easily achieved. Over a million students studying here are foreigners and for good reason. The country has some of the top-ranking universities with around 60% of students getting a good job after finishing their studies here.
With one of the highest student visa acceptance rates around 90% to 95%, Australia has emerged as a competitor of the top study destinations, especially for Indians. Its universities offer numerous scholarships and affordable education opportunities to foreign students.
The seat of some of the world's oldest and most reputed universities, the UK continues to be the top choice in Europe. However, some may be deterred to study here due to expenses. Nonetheless, home to Oxford and Cambridge Universities, the UK remains to be one of the best countries to pursue higher education in.
Rapidly becoming a favorite for its affordability, Germany offers free education through its public universities to all international students willing to study here. With some mandatory conditions like German proficiency and valid travel health insurance, the country is an all-rounder for offering the best faculty in most fields.
All of these countries consist of highly-ranked universities and professors that sets them apart from the rest. If you have made into one of those or are planning to apply for admission, money and other expenses should not be the reason stopping you from fulfilling your dreams. Also, not having any relatives in that country should not keep you from coming here. With a sturdy student travel insurance policy, you will never be alone during difficulties or sudden financial emergencies.
In most countries, overseas students must possess a valid student travel insurance policy to study in their colleges or universities. Many countries like the Schengen countries do not allow students to obtain a valid visa until they have bought an international student travel insurance policy that meets all their guidelines.
The student has the choice of either purchasing an international student insurance policy in India before travelling abroad or they can opt for the student medical insurance offered by their university abroad. It is recommended to purchase a domestic student travel health insurance plan as they’re available at a cheaper price.
With the ongoing coronavirus pandemic, almost all insurance providers now offer coverage for COVID-19 hospitalization. As an insured, you will be eligible for medical expenses that you may incur if diagnosed with COVID-19 while studying abroad.
You can also avail of compensation in case of trip cancellation under many travel insurance plans for students studying abroad if you or your immediate family member is diagnosed with COVID-19 before beginning your international trip. Most providers also reimburse the non-refundable amounts like hotel booking, ticket's cost etc. However, this may vary with the travel insurance provider and is applicable only if you purchased the student travel insurance plan before getting diagnosed by COVID-19.
Many student travel health insurance plans offer an automatic extension if a lockdown has been imposed in the destination country and there are no other alternatives to travel.
You can read more about COVID-19 coverage in student travel insurance by going through the policy wordings or comparing different student travel health insurance plans online at Policybazaar.com.
Overseas travel insurance plans for students offer protection from any unpredictable adversities while you’re away from home. To help you understand the importance of overseas student travel insurance, take a look at the following reasons:
Emergencies during your stay abroad can drain you emotionally as well as financially. But if you have a valid international student insurance policy, you will be covered from such unpredictable adversities that you may face.
Healthcare costs in developed countries like the USA and Europe are infamously expensive compared to India. With a comprehensive overseas student insurance policy, you can avail of medical treatment without thinking about the skyrocketing healthcare costs.
Overseas students without any international student insurance end up paying from their own savings during emergencies. However, if you do have a valid student insurance policy, you can save up your funds as the insurer will cover all the monetary expenses incurred during an emergency.
With most insurance companies having representatives abroad or a dedicated emergency helpline, you can easily contact your insurer in case of any doubts or necessary assistance.
Most universities abroad offer medical insurance plans to overseas students who have secured an admission offer with them. Either such students must purchase health insurance from the university or buy an overseas student travel insurance plan in their home country.
In case you are considering buying a student university medical plan, take a look at the coverage offered by most international universities:
If you are looking forward to saving some money on your student travel insurance premium, here are a few things to remember when it comes to helping you lower down the premium for travel insurance plans for students studying abroad.
Most travel insurance policies for students offer wide coverage to neutralize various risks during the insured’s study abroad. However, the exact coverage benefits vary with the insurance provider. Here are the basic elements of insurance coverage offered:
Even the best student travel insurance policies have certain situations that are out-of-the coverage list. You should go through them before finalizing your policy purchase:
There can be situations that may force you to extend your stay abroad. For example, if your exams get postponed and are rescheduled post the expiry of your student travel insurance policy, or if you get hospitalized for an illness or injury that extends your stay beyond your original schedule.
In all of these situations, a need to extend your policy will arise. Luckily, all insurance providers allow you to extend student travel insurance online.
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 this additional amount of premium, namely the period of extension, your age, type of insurance plans, location of your university, etc.
Besides, your student policy will be extended if you meet the following conditions:
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 can extend your student travel insurance policy only if the ongoing claim is related to one of the following covers:
Make sure to inform your insurance company or the assistance provider as soon as possible so that the policy can be extended on time. Also, keep in mind that the extension of your travel insurance policy depends on the sole discretion of the insurance company.
During your stay in a foreign land, you never know when you need to file a claim. Here is the claim process for student travel insurance:
Nowadays, the claim process can be easily filed for most student travel insurance online or through special mobile applications.
You can cancel your policy anytime, but you have to provide a relevant reason. Here is the cancellation process for a student travel insurance plan:
Negligence towards matters and facts related to insurance can lead you to an inadequate insurance plan. Listed below are a few facts that you should know:
Other than easy comparison, buying travel insurance for students studying abroad online from Policybazaar Insurance Brokers Private Limited has the following benefits:
Focused on providing students with financial coverage against those travel-related eventualities, student travel insurance provides 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. For more details, you can write to us at email@example.com.
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