A Quick Guide To Student Travel Insurance

What Is Travel Insurance For Students?

Travelling to and residing in a foreign country can be a daunting and challenging experience, particularly for first-timers. The high cost of living, unanticipated events, and the nuances of a new environment that come with studying abroad can be overwhelming. Therefore, purchasing a student travel insurance plan is ideal to help you deal with some of the issues you may face when you travel abroad as a student.

What Is Included In A Plan For Student Travel Insurance?

While international student insurance coverage can vary from insurer to insurer, here is what is covered in travel insurance commonly:* 

  • Medical costs you incur while travelling abroad because of a disease or accident
  • A medical emergency flight to India
  • The policy pays for the costs of cremation abroad or the transportation of the insured’s mortal remains to India in the unfortunate event of their passing.
  • Acute dental care following an accident
  • Personal accident student travel insurance with a flat benefit in the event of passing away or permanent disability for the insured or nominee
  • Compensates for accidental passing away or permanent disability while using a common carrier for transportation
  • The price of getting a new passport if the current one is misplaced or lost
  • Compensates for checked luggage lost while using a common carrier
  • Loss of personal effects while riding on a common carrier, including a phone, laptop, bank debit cards and credit cards, licenses, etc.
  • Compensation for cancelled or delayed flights
  • Reimbursement for a loved one’s sympathetic visit if the insured stays in the network hospital for over a week
  • If the parent or guardian (sponsor) funding the education passes away due to an accident, compensation for the tuition would be provided.

Claims are subject to terms and conditions set forth under the travel insurance policy.

What Does A Student Travel Insurance Plan Exclude?* 

  • While most student travel insurance policies do not cover pre-existing conditions, some insurance providers now offer coverage of up to 5% to 10% of the insured amount.
  • The policy does not cover any pre-existing conditions that have not been declared.
  • Any loss or damage brought on by lost or stolen luggage, passports, or other personal belongings that is not reported to the local police within 24 hours of the incident.
  • Any self-harm or suicidal attempt brought on by a mental illness, high blood pressure, depression, stress, venereal diseases, or being inebriated with alcohol or drugs.
  • HIV/AIDS and other sexually transmitted diseases.
  • The cost of medical care if an insured person travels against a doctor’s recommendation.
  • If the insured is going abroad specifically to receive medical care.
  • Costs associated with the disease, which have already been treated.
  • Costs associated with receiving medical care for a condition for which the prognosis is terminal.
  • Any claim resulting from a violation of the law of the land and security.
  • Any claim resulting from engagement in military training, invasion, rebellion, terrorism, etc.
  • Any claim resulting from involvement in risky activities like paragliding, rock climbing, skiing, bungee jumping, parasailing, or scuba diving.
  • Any claim resulting from a radiation accident, a nuclear waste accident, an aircraft pressure wave accident, etc.
  • Holistic care is provided in long-term facilities like rehab centres and convalescent homes.

Claims are subject to terms and conditions set forth under travel insurance policy.

Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.