India doesn't have that education culture where student take care of all their needs. We are dependent. Hence it is no wonder that many travel without adequate insurance cover, either due to unawareness or thinking that it is a waste of money. And those who have travelled independently as students in this country is exceedingly negligible. Convincing parents/ guardians is another battle. Here travel insurance is the reassurance you can offer each other to show that you are prepared for come what may.
After a certain age, it is inevitable. You cannot evade that time when your child gets that itchy feet and yearn to fly sky high towards new possibilities and excitement. Your child is going abroad for higher studies. Times do fly, right? This could be exhilarating but overwhelming moment for you. Switching from the gut instinct to be protective and to provide your child with as much as you can is indeed the hardest thing. Not saying that your role shrinks with distance of course. But there are other ways to fulfil your parenting responsibilities when you are miles away from each other.
One way to ensure comfort and security is to buy an all-inclusive student travel insurance policy. You are setting off on a new phase in life- higher studies abroad and a phenomenal step in chasing your dreams and aspirations. Chola MS Student Travel Insurance Plans aim to relieve you off that bag of hassles like culture shock, missing home, money management, thrown amidst strangers among many. Truly an insurance partner in need to get you through your spell overseas fabulously!
Like any reputed insurance carrier, Chola MS too has customized its products to address the needs of people from all walks of life.
Exclusions stated by Chola MS Educational Travel Insurance can be broadly categorized as given below:
Sl. No. | Benefits in Detail | Silver | Gold | Platinum | Deductible |
1 | Medical Cover | 50,000 USD 1 lac USD | 2.5 lacs USD 1 lac USD | 2.5 lacs USD 1 lac USD | 100 USD |
2 | Repatriation of Remains | 7500 USD | 7500 USD | 7500 USD | Nil |
3 | Medical Expenses for Extending | Nil | Nil | Available | 100 USD |
4 | Dental Health Care and Treatment | 250 USD | 250 USD | 250 USD | 100 USD |
5 | If passport is lost | Nil | 150 USD | 150 USD | 30 USD |
6 | Individual accountability in case of accident | Nil | 1 lac USD | 1 lac USD | Nil |
7 | Personal Accident - in India | Nil | INR 2 lacs | INR 2 lacs | Nil |
8 | Personal Accident - Abroad | Nil | 25,000 USD | 25,000 USD | Nil |
9 | If the studies get interrupted for no fault of the student | Nil | 7500 USD | 7500 USD | Nil |
10 | Sponsor Protection | Nil | 10,000 USD | 10,000 USD | Nil |
11 | Compassionate Visit | Nil | 7500 USD | 7500 USD | Nil |
12 | Losing luggage that was already checked-in | Nil | 1000 USD | 1000 USD | Nil |
13 | Bail Bond | Nil | 5000 USD | 5000 USD | Nil |
Sl. No. | Medical Costs Extension - Available for Platinum Plan | Sub Limit - (as per the specified medical expenditures) |
1 | For cancer screen tests & mammography exams | 2000 USD |
2 | Treating mental, psychological and nervous problems such as substance abuse, drug addiction. | 1000 USD |
3 | Maternity and child care benefits | 100 USD per day for up to one week if the child is more than 3 months old and is hospitalized for over 2 continuous days for any reason. |
4 | In-patient medical costs associated with pregnancy | 500 USD |
5 | Medical expenditure injuries sustained by participating in any inter- university or college sports event | As per the sum insured specified in the medical cover limit |
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