Religare Student Travel Insurance

Overview of Religare Student Travel Insurance

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.

Types of Religare Student Travel Insurance

  1. Explore Start
  2. Explore Plus
  3. Explore Super
  4. Explore Ultra

Features & Benefits of Religare Student Travel Insurance

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.

Explore Start:

  1. This is a basic student travel cover plan covering personal accident and inconveniences that may arise during the journey.
  2. Huge amount assured for Personal Accident.
  3. Sponsor Protection: In the unfortunate demise or incapacitation of sponsor, the firm will continue to fund the education.
  4. Quick and hassle-free settling of cashless claims.
  5. There shall be no need for a pre-policy medical checkup.
  6. The difference between the cost of buying a travel cover overseas and getting one from Religare is exceedingly huge.

Explore Plus:

  1. In this you can choose optional add-ons that go hand in hand with your concerned University's obligatory necessities.
  2. Comprehensive list of medical and non-medical features.
  3. Matchless advantages like indemnification in your home country in case of personal accident.
  4. Medical casualty costs are covered.
  5. Cashless claims will be settled quickly.
  6. There is no requirement for medical checkup before purchasing the policy.
  7. To buy a student insurance plan with the same benefits abroad, you will have to shell out way more than what you need to pay here.

Explore Super:

  1. In this you can choose optional add-ons that go hand in hand with your concerned University's obligatory necessities.
  2. There is an all-inclusive list of medical and non-medical aspects.
  3. Unparalleled advantages like indemnification in your home country in case of personal accident.
  4. Medical casualty costs are covered.
  5. Cashless claims will be settled quickly.
  6. There is no requirement for medical checkup before purchasing the policy.
  7. To buy a student insurance plan with the same benefits abroad, you will have to shell out way more than what you need to pay here.

Explore Ultra:

  1. In this you can choose optional add-ons that go hand in hand with your concerned University's obligatory necessities.
  2. There is an all-inclusive list of medical and non-medical aspects.
  3. Incomparable perks like insurance in your home country in case of personal accident, loss of valuables like laptop or tablet and in case of collapse of University.
  4. Medical casualty costs are covered.
  5. Cashless claims will be settled quickly.
  6. There is no requirement for medical checkup before purchasing the policy.
  7. To buy a student insurance plan with the same benefits abroad, you will have to shell out way more than what you need to pay here.

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

Inclusions & Exclusions of the Student Explore Schemes

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

Claim Procedure

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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