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  • Student Travel Insurance: A Must Have for Overseas Study

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    If you aspire to study abroad, there are various things that you need to watch out for rather than just your travel itinerary, part-time job options, accommodation, and so on. You will be in a strange new place with limited resources and if something unforeseen were to happen, you should be fully prepared for it. Hospitalization and other medical expenses would weigh heavily on your finances if you haven’t got a student travel insurance policy.

    What is Student Travel Insurance?

    Student Travel Insurance Policy, specifically applicable for students studying abroad, provides financial protection to certified students against unforeseen situations arising through a typical travel schedule. Usually, such policies account for both the trip as well as the student’s health

    insurance.

    Who can take a Student Travel Insurance Policy?

    • Generally, any individual who is between sixteen and thirty-five years of age can apply.
    • He/She should be enrolled for a course, in a registered educational institution of higher learning, and should be attending classes on a full-time basis, in a foreign country.
    • Each student can have only one travel insurance policy for the specified period.

    Features and Benefits of Student Travel Insurance

    • Covers various expenses like: loss of baggage, hospitalization, family visit, accident to sponsor, and other incidental expenses.
    • Comprehensive coverage facilities such as:
      • Study interruption
      • Bail bonds
      • Two-way flight coverage for compassionate visit from family
      • Sponsor protection

    What does Student Travel Insurance cover?

    • Expenses related to emergency medical evacuation of the insured to India
    • Medical expenses arising out of medical emergencies whilst abroad, such as any sudden injury, illness or death
    • In case of an untimely demise of the insured, the transport expenses arising out of the transfer of the insured’s mortal remains back home or for burial abroad, is covered.
    • Accidental injury during the trip overseas
    • Dental treatment and related expenses
    • Compensation for personal accident which causes death or permanent disability, while riding as a passenger in a common carrier whilst abroad.
    • Loss of baggage/personal effects by a common carrier
    • Loss of passport and related expenses incurred on replacement of the passport/ for duplicate passport.
    • Return ticket fare is reimbursed for a family member visiting the insured, if he/she has been hospitalized for 7 days or more.
    • The paid semester fee is reimbursed, if the policy holder’s education is interrupted due to a medical emergency.
    • Bail amount is paid to the concerned authority, if the policyholder is arrested or detained by officials for a billable offence, whilst abroad.
    • In case the sponsor paying the insured student’s fee passes away due to an injury, his/her tuition fees is reimbursed.

    Exclusions Applicable to Student Travel Insurance Policies?

    The following are some of the exclusions applicable on student travel insurance policies in India:

    • Any Pre-existing Condition or any complication arising from it.
    • If the Insured Person is travelling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining treatment; or has received a terminal prognosis for a medical condition
    • Suicide or attempted suicide as well as intentionally self-inflicted injury or illness.
    • Mental disorder or nervous disorder, stress, anxiety or depression
    • Sexually transmitted conditions, such as Human Immunodeficiency Virus (HIV) infection or Acquired Immune Deficiency Syndrome (AIDS).
    • Serving in any branch of the Military or Armed Forces of any country, whether in peace or War, in which case the insurance company will apply the pro rata premium for the duration of service.
    • Participation in an actual or attempted crime, felony, misdemeanor, riot or civil commotion
    • Being under the influence of alcohol, drugs or other narcotics/intoxicants/hallucinogens unless prescribed by a registered Physician and taken as instructed.
    • Any loss or injury arising out of war, invasion, revolution, insurrection, act of foreign enemy, rebellion, hostilities (whether War be declared or not), use of military power or usurpation of government or mutiny.
    • Operating or learning how to operate an aircraft, or being a member of the crew on an aircraft and performing related duties.
    • Loss or injury due to exposure to any toxic, radioactive, explosive or other dangerous nuclear equipment or any part of such equipment
    • Loss or injury due to ionizing radiation or contamination through exposure to radioactivity from any nuclear fuel or nuclear waste.
    • Congenital malformations or any complications arising therein
    • Willing exposure to needless peril, except in an attempt to save the life of another human.
    • Participation in skydiving/parachuting, winter sports, hang gliding, scuba diving, bungee jumping, mountain climbing, caving or potholing, riding in or driving in a motorized vehicle or bicycle as a part of a race or rally, hunting or equestrian activities, rafting or canoeing involving white water rapids, underwater activity such as skin diving, yachting or boating outside coastal waters.
    • Participation in Professional Sports, or any bodily contact sport or other hazardous/ potentially dangerous sport for which the policyholder is untrained. This exclusion does not apply to injuries that are a result of inter-collegiate sports.
    • Any loss that results directly or indirectly by childbirth or from pregnancy, and/or is contributed, aggravated or prolonged by the same.
    • The Insured Person riding a motorcycle or any other motorized two wheeler as a mode of transport as driver or as passenger.
    • Any loss of arising out of the policyholder’s actual or attempted commission of, or willful participation in, an illegal act or violation or attempted violation of the law or his/her resistance to arrest.
    • Loss, injury, damage or legal expenses sustained directly or indirectly by a terrorist activity or nuclear, chemical or biological weapons.
    • Loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through restricted countries like: Afghanistan, Cuba or Democratic Republic of Congo.

    Important Things to Know about Student Travel Insurance

    If you have taken a student travel insurance policy but have not travelled during the specified period, don’t worry. Most insurance companies will refund the premium if the insured has not travelled during the policy period. A few documents will have to be submitted to validate that the insured has not travelled overseas and to process the refund. The documents are as follows:

    • Photocopy of all the pages of the passport.
    • Provide a valid reason for policy cancellation.
    • If the trip was canceled due to Visa refusal by the Embassy, then the Visa rejection letter has to be submitted.

    Student Travel Insurance: A Must-Have for Overseas Study Reviews

  • Page 1 of 2 1 2
    • review Travel Insurance
      "Good protection for luggage"
      0.5 4.0/5 "Great!"
      I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 07, 2018
    • review Travel Insurance
      "Enjoy your travel experience without any fear. "
      0.5 4.0/5 "Great!"
      I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • review Travel Insurance
      "travel insurance is very nice"
      0.5 3.5/5 "Pretty good"
      i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 26, 2018
    • review Travel Insurance
      "Worst Insurance provider ever "
      0.5 0.5/5 "Unacceptable"
      Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
      Was this review helpful? 1
      , madurai
      Reviewed on Oct 31, 2018
    • review Travel Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 16, 2018
    • review Travel Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 04, 2018
    • review Travel Insurance
      "Claim was rejected becuase of unnescceary reason"
      0.5 0.5/5 "Unacceptable"
      I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 26, 2018
    • review Travel Insurance
      "Very easy to get."
      0.5 5.0/5 "Blown Away!"
      It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
      Was this review helpful? 1
      , thane
      Reviewed on Oct 09, 2017
    • review Travel Insurance
      "Good for travelers"
      0.5 4.0/5 "Great!"
      Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 31, 2017
    • review Travel Insurance
      "RELIGARE HEALTH Travel Insurance"
      0.5 4.0/5 "Great!"
      Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 19, 2017
    • review Travel Insurance
      "Pathetic disbursal policy- rather not take an insurance"
      0.5 0.5/5 "Unacceptable"
      Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
      Was this review helpful? 11
      , kolkata
      Reviewed on Mar 03, 2017
    • review Travel Insurance
      "Fantastic experience"
      0.5 5.0/5 "Blown Away!"
      Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
      Was this review helpful? 4
      , gurgaon
      Reviewed on Jan 15, 2017
    • review Travel Insurance
      "Excellent services"
      0.5 3.0/5 "Satisfactory"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 27, 2016
    • review Travel Insurance
      "Religare only want new business - good luck with renewal"
      0.5 0.5/5 "Unacceptable"
      Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 24, 2016
    • review Travel Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I am having the travel insurance policy with the Tata AIG general insurance company and I used to get it while am going abroad. Coverage value is depends on the country where am going, also they are providing coverage for my luggage.
      Was this review helpful? 6
      , bangalore
      Reviewed on Apr 16, 2016
    • review Travel Insurance
      "Really good"
      0.5 4.0/5 "Great!"
      I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 19, 2016
    • review Travel Insurance
      "Wonderful..."
      0.5 5.0/5 "Blown Away!"
      If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
      Was this review helpful? 3
      , bangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "Don't buy reliance"
      0.5 0.5/5 "Unacceptable"
      Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
      Was this review helpful? 12
      , mangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "compulsory for travellers..."
      0.5 4.5/5 "Excellent!"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 7
      , thane
      Reviewed on Nov 28, 2015
    • review Travel Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      The service offered by ICICI Two wheeler insurance is fine. I am holding this two wheeler insurance since 2010. The returns are not good the money value is less. One thing I would like to say the claim experience policy was very lengthy and they were unable to refund a particular amount.
      Was this review helpful? 4
      , chennai
      Reviewed on Oct 01, 2015
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