It is a travel policy tailored specifically for students studying in a foreign university for academic courses. It is advisable to buy student travel insurance if you plan to stay abroad for a certain time period to pursue your education. A student travel plan offers great benefits and security for a student. The protection of a child ensures that a student secures total peace of mind in a foreign country. However, there are countries which have not made the concept of student travel insurance mandatory, they are advised to buy it as it is extremely important and beneficial in terms of finance and medical safety. In terms of finance, a student saves on the hefty cost of medical services abroad and in terms of medical a student is more prone to get quick treatment as any hospital does not hesitate to take a patient who is insured under an accepted student travel insurance plan. The universities abroad though have made insurance part of the fees package but the insurance is limited to facilities available within the university. Therefore, it’s always advisable to buy an annual student travel policy which should be renewed every year till the time your child is studying outside of India.
Pre-existing diseases: Any Pre-Existing Medical condition/Ailments declared or undeclared will be excluded from the policy except in case of Life saving unforeseen emergency.
Dental Treatment: Insured person cannot file a claim for routine dental check-ups under travel insurance policy. It would only cover against acute dental pain or any dental injury resulting from an accident during your trip.
Loss or Damage due to mental Disorders/Suicide Attempt: Any self-inflicted damage or suicide attempt by the insured person would not be covered.
Complications due to Pregnancy and Childbirth: During your travel, any health problems associated with pregnancy and childbirth are not covered.
Natural Adversities that Begin before your Policy purchase: Travel insurance provides insurance cover for natural calamities like earthquakes, hurricanes, storm etc. during the travel but does not covered if it occurs immediately before the start of travelling.
Adventure Sports and Activities: Most of the travel insurance policies do not cover any adventure sports like rafting, mountaineering, skiing, bungee jumping, scuba diving. You will be performing these activities at your own risk.
Bad Weather Conditions: Due to excessive rain and bad weather conditions, if you suddenly have to cancel you curtail your trip, you are not eligible to be compensated from your travel insurance company. If it leads to cancellation of your flight, only then would it be covered.
- Indian students between 16 to 35 years, enrolled and attending college as a full time student outside India are eligible.
- Student must be physically located in India at the time of purchase of the student insurance policy.
- Only one policy must be bought for a particular period of time.
- Accidental Death and Dismemberment
- Flight Delay
- Accident & Sickness Medical Expe.
- Trip Cancellation * Delay Flight
- Bounced Booking of Hotel and Airline
- Delay Loss of Passport