Students who decide to head off for education abroad or some gap year program must make space for travel insurance when packing their bags. But most will have put more thought into picking a deodorant than purchasing an actual student travel insurance . Parents who wouldn't hear of letting their kids drive an uninsured vehicle surprisingly have no qualms waving them adios without adequate cover. How do they think they will deal with the heavy costs that accompany a contingency? Paradoxically, the time you require protection ends up the one time you do not have any. The down side is that when it comes to hospital bills, ignorance is never bliss.
At Religare Health Insurance, your peace of mind and happiness are the primacies. This is exactly why their student travel cover product is much more than mere clearance of medical bills when you are residing overseas. Living outside your comfort zone can bring you face to face with harsher realities of life which you had never dreamed you would encounter. When Religare Student Travel Insurance by the name 'STUDENT Explore' was designed, this was the focus around which it was done. The all-in-all global indemnification for students from Religare Health Insurance fetches you a host of present-day perks and services. Everything to give you a smooth sail with a clear heart and help you come back proud.
Religare not only provide expansively to your medical and non-medical requirements but do it for premiums that are considerably lesser than that of schemes obtainable at international universities. Please have a look at the features and benefits of each plan.
SL. No | Comparison of Features & Benefits: | Explore Start | Explore Plus | Explore Super | Explore Ultra |
1 | Medical Costs | Not Applicable | 50,000 USD 1 lac USD | 50,000 USD 1 lac USD 3 lacs USD 5 lacs USD | 50,000 USD 1 lac USD 3 lacs USD 5 lac USD 10 lacs USD |
2 | In-patient Upkeep | Not Applicable | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs |
3 | Protection against life threatening disease existed before the purchase of policy. | Not Applicable | Up to 10 percent of the Sum Insured for Medical Costs | Up to 10 percent of the Sum Insured for Medical Costs | Up to 10 percent of the Sum Insured for Medical Costs |
4 | Prolonged Cover in the Nation of Residence | Not Applicable | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs |
5 | Out-patient Upkeep | Not Applicable | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs |
6 | Deportation of Mortal Remains (Part of Medical Expenditures Incurred) | Not Applicable | 7500 USD | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs |
7 | Evacuating for Medical Reasons (Part of Medical Expenditures Incurred) | Not Applicable | 7500 USD | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs |
8 | Costs for Dental Treatment | Not Applicable | 250 USD | 500 USD | 750 USD |
9 | Daily Allowance | Not Applicable | Not Applicable | Not Applicable | Daily 50 USD for up to 1 week |
10 | Accidental Demise Permanent Incapacitation (Whole) Permanent Incapacitation (Partial) | 30,000 USD | 15,000 USD | 30,000 USD | 30,000 USD |
11 | Compassionate Visit (If the insured is hospitalized for more than a week or if the insured’s close family member expired or is hospitalized) | 5000 USD | Not Applicable | 5000 USD | 7500 USD |
12 | In case your checked-in luggage is lost | 1000 USD | 500 USD | 1000 USD | 2000 USD |
13 | In case your checked-in luggage is delayed | 150 USD | Not Applicable | 150 USD | 150 USD |
14 | In case your passport is lost | 150 USD | 150 USD | 150 USD | 200 USD |
15 | If you lose your international driving license | 100 USD | Not Applicable | 100 USD | 150 USD |
16 | Personal Accountability | 1 lac USD | 1 lac USD | 1 lac USD | 1 lac USD |
17 | If studies interrupted due to one or more legitimate reason | 10,000 USD | 7500 USD | 10,000 USD | 15,000 USD |
18 | Sponsor Protection | 15,000 USD | 10,000 USD | 15,000 USD | 15,000 USD |
19 | Bond for Bail | 5000 USD | 500 USD | 5000 USD | 5000 USD |
20 | In the event of collapse, bankruptcy or failure of University | Not Applicable | Not Applicable | Not Applicable | 7500 USD |
21 | If your trip is delayed | Not Applicable | Not Applicable | Not Applicable | 200 USD |
22 | Loss of Laptop / Tablet | Not Applicable | Not Applicable | Not Applicable | 250 USD |
23 | Advance if you require emergency financial assistance | Not Applicable | Not Applicable | Not Applicable | 1000 USD |
24 | Insurance available at your home country | Not Applicable | Up to 5 percent of the Sum Insured for Medical Costs | Up to 5 percent of the Sum Insured for Medical Costs | Up to 5 percent of the Sum Insured for Medical Costs |
25 | Cure for Mental and Nervous maladies and disorders (Part of Medical Costs) | Not Applicable | Not Applicable | 1500 USD | 3000 USD |
26 | Treatment for Alcoholism and Drug Dependency (Part of Medical Expenses) | Not Applicable | Not Applicable | 1500 USD | 3000 USD |
27 | Cancer screen tests like pap test and mammographic exam (Part of Medical Costs) | Not Applicable | Not Applicable | 2000 USD | 4000 USD |
Sl No | Optional Add-on Covers | ||||
Advantages in detail | Explore Start | Explore Plus | Explore Super | Explore Ultra | |
1 | Any injury or harm inflicted by yourself | Not Applicable | 7500 USD | 7500 USD | 7500 USD |
2 | Insurance for STDs like HIV and AIDS | Not Applicable | 7500 USD | 7500 USD | 7500 USD |
3 | Injury caused by partaking in any adventure or extreme sports | Not Applicable | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs |
4 | Expenses for Vision Care (partial disbursement of 50 percent) | Not Applicable | 200 USD | 200 USD | 200 USD |
5 | Cover for maternal and child birth (window period up to 10 months) – Partial payment of up to 20 percent. Insurance for new born is limited to 500 USD. | Not Applicable | 1000 USD 5000 USD 50,000 USD 1 lac USD | 1000 USD 5000 USD 50,000 USD 1 lac USD 3 lacs USD 5 lacs USD | 1000 USD 5000 USD 50,000 USD 1 lac USD 3 lacs USD 5 lacs USD 10 lacs USD |
6 | Comprehensive protection against life threatening disease existed before the purchase of policy. | Not Applicable | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs | Up to the Sum Insured for Medical Costs |
Religare Student Travel Insurance is a promise - a promise that no matter where you are, they are within reach in times of need or trouble.
If you want to file a claim, all you need to do is get in touch with the relevant toll free numbers of their international assistance. Religare is known for their swift processing and timely delivery of cashless settlements, refunding the medical bills or other financial assistance.
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