Sign In

A Quick Guide To Student Travel Insurance Claims

A Quick Guide To Student Travel Insurance Claims

If you are contemplating purchasing student travel insurance for your study abroad, you should know how to claim reimbursement. The entire point of investing in insurance is finding an insurance company that offers a simple and quick claim process for financial reimbursement.

The following lines provide a step-by-step guide on how to claim Student Travel Insurance so that you know exactly how to proceed when it is time to raise a claim on your insurance policy.

How to File a Student Travel Insurance Claim?

At Reliance General Insurance, we have simplified the process of filing a claim on student travel insurance. The steps to follow are mentioned below:

  • Contact Emergency Assistance - The first thing to be done while making a claim is to get in touch with the Helpline number of the Emergency Assistance Service Provider to provide all necessary details. The Helpline number can be retrieved from your policy.
  • Get Verified — It is crucial to contact Emergency Assistance and inform them about filing your claim, even if assistance is not required. The Helpline will ask relevant questions to verify your identity.
  • Contact Help Line after Hospital Admission/Physician Consultation - In case you are involved in an accident or physically ill, you may not be able to contact the Helpline number immediately.

However, as soon as you are admitted to the hospital or your consultation with the physician is over, you must contact Emergency Assistance to file your claim.

  • Contact Help Line with Necessary Documents for Financial Assistance - To receive emergency financial assistance, you have to call our Helpline number and get in touch with the Emergency Assistance and provide the following information:

    1. Policy details.

    2. Police report containing your passport number.

    3. Written statement narrating how, why and where the loss occurred.

Failure to submit the required documents may result in delays in your student travel insurance claims process or a rejection of your claim.

  • For Hijack Distress Allowance — In case of a hijack situation, you have to provide a police report that confirms the hijack incident and contains details like your passport number, the hijack period, etc.

Very rarely, you will be asked to provide supporting documents such as television and other media coverage of the hijack incident, a report issued by the airline and a newspaper report.

The importance of Student Travel Insurance extends beyond just travel safety; it provides comprehensive coverage for students while they study at an overseas destination.

Student Travel Insurance Claim Settlement – What’s Covered?

Now that you know how to file a Student Travel Insurance claim let us understand the next step in this process, which is to get the claim paid. Once your claim has been accepted, you will be helped in the following ways:

  • Medical Expense Coverage - Medical bills for hospitalisation, transportation for emergency services, and transportation home will be covered by the insurer. All expenses will be settled directly by the insurer.
  • Reimbursement for Medical Bills — You will have to pay the bills and submit the necessary documents, bills and receipts to receive reimbursement. Reimbursement will be made once you reach India in Indian Rupees based on the exchange rate of the currency on the date that the bills were issued.
  • Financial Assistance Abroad - When you claim Student Travel Insurance for financial assistance, the insurer will settle the claims while you are abroad.
  • Immigrant Claim Settlement — If you are travelling abroad with an immigrant visa and have declared your immigrant status, you will receive reimbursement while abroad.
  • Home Burglary Reimbursement - If you have opted for home burglary insurance, you have to report your loss to the insurer. An independent surveyor will be appointed by your insurer to assess your loss.

Student Travel Insurance Claim - Requirements

The following are the documents that you will require to raise a claim on your Student Travel Insurance:

  • General: The original boarding pass/ticket or a copy of your passport indicating travel dates needs to be submitted along with your completed student travel insurance claim form.

  • For Medical/Dental Treatments: Original vouchers/bills/reports need to be submitted along with all claim forms. The following need to be complied with while submitting these documents:

    1. The bills/vouchers/reports should contain your name as the one who underwent the treatment, your illness type, details of individual items of medical treatment provided and treatment dates.

    2. The prescriptions should clearly display the prescribed medicines.

    3. The pharmacy bill should clearly display the price and should bear the pharmacy stamp.

    4. For dental treatment, the bills/vouchers/reports should provide the details of the treatment performed and the tooth treated.

  • For Repatriation of Mortal Remains: In case of burial abroad or repatriation of mortal remains, documents to be submitted include the official death certificate, physician’s statement providing the cause of death and original receipts/bills of expenses incurred. 

  • For Medical Evacuation: To be transported to India on medical grounds, a medical statement from a registered physician stating the cause of the ailment and the need for transportation, as well as original receipts/bills of expenses incurred, is required.

  • For Passport Loss: A Police Report that is obtained within 24 hours of you being aware of the theft and original receipts/bills for expenses incurred for a fresh/new passport.

  • For Total Baggage Loss: Documents to be submitted along with your completed claim form include a Property Irregularity Report or other report that is generally issued by common carriers in the event of checked-in baggage loss and a letter from the airlines mentioning compensation for the lost baggage.

  • For Personal Accident: Original bills/vouchers/reports/discharge summary of you being treated, the cause of the accident, details of individual items of medical treatment provided, along with dates of treatment. A Post Mortem Report must be provided in case of death.

  • For Personal Liability: Proof of A Court’s judicial decision must be provided.

  • For Financial Emergency Assistance: A Police Report filed within 24 hours of you being aware of the robbery.

  • For Trip Delay: Doctor’s statement and medical report or Police Report confirming the trip delay. If the delay is caused by illness/death of the travelling companion,

    1. Original tickets of the insured and travelling companion indicating travel on the same date to the same destination. It should contain your passport number.

    2. Original bills/receipts of extra expenses and proof of charges for cancellation that the carrier levied.

  • For Trip Interruption and Cancellation:

  • For Medical Reasons – A doctor's statement and medical reports must be submitted.​

  • For Employment Reasons – A termination letter should be provided, and in case of other events, a Police Report must be submitted.

  • For Missed Connection: Airline confirmation mentioning the scheduled and actual arrival time, and the reason for the delay. Original bills/ receipts of extra expenses and proof of cancellation charges that the carrier levied should also be submitted.

  • For Home Burglary: FIR by Police, Investigation Report by Police, invoices of owned articles, estimate and final bills of repairers and other necessary documents.

Also read: A Travel Insurance for a Student Planning to Study Abroad

Student Travel Insurance Claim - Tips

  • Make sure that you provide all necessary documents pertaining to your claim.

  • Contact your insurer immediately.

  • In cases like loss of personal belongings or monetary theft, you have to inform the authorities to obtain reports that you will need to submit at the time of making your claim.

  • You must know your policy thoroughly to understand how you can proceed with the claim process.

  • Learn about the deductibles and exclusions of your policy so that you can be better prepared when filing a claim.

  • Fill out the claim form carefully and do not miss out on any important details, as doing so can result in your claim being denied or rejected.

Conclusion

Documentation and timely intimation are the keys to getting your claim settled promptly, so ensure that all original copies of documents are kept safely as and when you receive them.

At Reliance General Insurance, we offer five different types of coverage under our Student Travel Insurance plan for students requiring travel insurance for education overseas. Our comprehensive plans for students provide extensive coverage while travelling and during their stay.

Also, if you are planning a trip abroad soon, you can review our International Travel Insurance policy for overseas travellers.

Frequently Asked Questions

Does student travel insurance feature add-on benefits?

Yes, you can avail yourself of add-ons from Reliance General Insurance, such as cover for medical expenses incurred due to treatment for nervous and mental disorders, intercollegiate sports injuries, mammographic exams, cancer screenings, etc.

How is student travel insurance different from study insurance?

Study insurance is designed to provide coverage for academic-related financial risks, such as tuition fees and study breaks.

Student travel insurance provides comprehensive coverage for the student's safety, including coverage for medical costs, legal aid, travel-related losses and study interruption.

Corporate & SME Insurance

Corporate Insurance

Insurance for SMEs

About Reliance General

Locate Us

General Insurance

Quick Links