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Student Travel Insurance
Student travel insurance is a type of travel insurance plan that is made for students who are moving abroad to pursue their higher education. By buying this policy, you get covered for various risks like loss of passport, loss of checked-in baggage, study interruptions, medical emergencies and more.
Whether you're looking to pursue your higher education in foreign lands like the US, UK, Australia, Europe or anywhere else in the world, having travel insurance for students makes studying abroad that much safer.
A whole world of potential awaits you as you’re looking to begin your education at a foreign university. As you’re preparing, you have several things to arrange for like funds, accommodation, flights, etc. But you shouldn’t forget to take a international student travel insurance along for the ride. Here’s a list of benefits of buying overseas student travel insurance:
Losing a passport as a student studying abroad is a situation you don't want to find yourself in. It's the sole document that states you're an Indian citizen and it contains your visa too. However, if you do lose your passport, an international student travel insurance policy will cover the expenses related to getting a duplicate or fresh passport. Having student travel insurance will ease your financial burden of replacing a lost passport thus reducing your burden during a stressful time.
You're going to a new country for the first time to study and improve your chances of having a successful career. All you have are the few belongings you bring from home. However, the worst happens and the airline loses your baggage. Getting back your belongings would be hard but with international student travel insurance you can get reimbursed for the losses incurred. Additionally, you're also covered for losses incurred if the flight delays your baggage too.
Everything is set for you to begin your fresh educational pursuit. Nothing can put a stop to your studies. But not everything is in your control. A sudden illness or injury that lands you in the hospital or the death of an immediate family member could curtail your studies. This could mean months out of college and you lose out on the semester. But with student travel insurance, you get covered for study interruptions where your fees for the semester you missed out on will be reimbursed.
An injury or accident is ever only a step away. Though no one wishes it upon you, it could still ambush you as you pursue your studies overseas. If this happens to you, you're in danger of not only a potential fatality but also racking up huge medical bills. But international student travel insurance can rescue you from the travails of hospitalisation with its medical coverage. It'll pay for your transportation to the hospital, inpatient treatment, diagnostic tests, X-rays, plaster casts, bandages, etc. In case of a death, it will cover the cost of bringing back the body to India or providing a local burial.
Have you ever fallen sick so bad that you're lying in a hospital bed for several days straight? The thing that amplifies the pain during that time is not having a loved one by your side. Now imagine something like this happening while you're studying abroad. There's no family member to offer you any kind of support. But if you have student travel insurance, you not only get medical coverage but you can also have one family member brought to you through the Compassionate Visit cover. This takes care of the flight tickets and accommodation for that one family member.
Because life is unpredictable, unfortunate events can befall even your loved ones. If such an event happens to your family you could lose your means of paying college fees and thus interrupt your studies. However, with travel insurance for students, you can get the tuition fees that are due for the remaining time at your college reimbursed. This will at least provide a little relief from the difficult time your family will be facing at the time.
Familiarising yourself with the laws of a foreign country could be a lot if you just got there. But you could end up in jail if you break a rule you were unaware of. You could also land in jail if you damage property or hurt someone by accident. It hurts to imagine such a situation, right? But here's where travel insurance for students will help you. If you face bailable offences, then the bail is covered under the student travel policy. This makes it useful to get you out of tough spots with the authorities.
Personal liability refers to the money you owe someone for the damages you cause to their property or health/life. This is usually a huge amount of money and can easily drain your savings. Here travel insurance for international students comes in handy since it covers all your liability owed to a third-party.
If during your studies abroad you get into an accident that gravely injures you resulting in either a disability or death, a student travel insurance plan will compensate you for the disability or in case of death, compensation will go to the legal heir.
Reliance Student Travel Insurance has four plans with Sum Insured available from USD 50,000 to USD 500,000 and premium starting at ₹246*. Our plan can be purchased for a period of up to 2 years. Given below is a detailed breakdown of all our travel insurance for international students:
Medical Expenses including Transportation, Evacuation and Repatriation of mortal remains
✘
50,000
100,000
250,000
500,000
Dental Treatment
✘
500
Loss of Passport
100
200
Total Loss of Checked-in Baggage*
1000
1000
Personal Accident
25,000
25,000
Accidental Death - Common Carrier
2,500
Personal Liability
150,000
Bail Bond
1,000
5,000
Study Interruption
10,000
Sponsor Protection
10,000
2-way Compassionate Visit
7,500
7,500
Apart from the four plans we offer, you also can get the extra benefit of these add-ons available under the Standard, Silver, Gold and Platinum plans:
Treatment of Mental & Nervous Disorders including Alcohol & Drug Dependency
1,000
Inpatient Hospitalisation expenses related to Pregnancy/Childbirth (After a waiting period of 10 months)
Medical Expenses for Intercollegiate spons injuries
Covered under the Medical Expenses including Transportation and Repatriation Benefit
Cancer Screening and Mammographic Examinations
Child Care Benefits
100/day
Chiropractic Treatment
Physiotherapy
Skilled Nurse Facility
Note: Additional add-on benefits are applicable on a case-to-case basis and subject to specific approval.
The question of needing travel insurance for international students is moot given the various perils it covers. But there is an added advantage in trusting an insurance company like Reliance General Insurance with your international student travel insurance needs. Here is a list of those advantages:
We offer four different types of student travel insurance plans that cover a range of risks like medical emergencies, loss of passport, loss of check-in baggage, study interruption, bail bond, sponsor protection and more. Also, you can choose from a Sum Insured ranging between USD 50,000 to USD 500,000.
Our student travel plans also cover any life-threatening conditions that are a result of a pre-existing disease. You'll be covered for emergency treatment till you're medically stable again. All you need to do is disclose all your pre-existing diseases at the time of buying the policy to get it covered.
You'll get a 30-day extension if the policy expires and you're still at the hospital getting treated for an illness or injury sustained while you were studying abroad. If there's a delay caused by the airline, an automatic 7-day extension applies to your policy. No matter what, our overseas student travel insurance plan will see you through.
Our claim team and Emergency Assistance Service Provider will be available to help you with anything related to your student travel insurance while you're abroad. In case you need any assistance, all you need to do is give us a call.
You can buy an overseas student travel insurance plan easily through our website www.reliancegeneral.co.in. Here are a few simple steps to get the insurance you need:
Step 1: Go to the travel insurance page and select travel type as "Student". Then enter your details like name, number, travel destination, policy period, etc.
Step 2: Choose your desired plan and click buy now.
Step 3: Check your plan details like the premium amount and then enter the remaining personal details.
Step 4: Select your preferred mode of payment and proceed to pay.
Once your payment is complete you will immediately get the policy copy of your student travel insurance.
We've tried to 'pack in' maximum coverage for a variety of situations while you're travelling abroad for your further studies with our overseas student travel insurance. Have a look!
Accidental bodily injury during the trip
Acute anesthetic treatment of teeth due to an injury
Emergency expenses made for medical evacuation to India
Total loss of your checked-in baggage by a common carrier
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Reimbursement of tuition fees, in case the sponsor paying your fee passes away due to an injury
Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death
Reimbursement of current (paid) semester fee, if your education is interrupted due to a medical condition
Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier
Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days.
Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise
Payment of bail amount to the appropriate authority, if you're arrested or detained by any judicial authorities for a bailable offence, while abroad
Note: Please read the policy wordings for a full list of inclusions.
Like you have some questions that are out-of-syllabus, a student insurance policy also has situations that are out-of-scope. Here's a list of things your student travel insurance policy won't cover!
War or nuclear threat in the country where you're travelling
Loss of checked-in baggage; no partial loss or damage shall become payable
Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered
Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities
Expenses incurred if you are:
Traveling against the advice of a physician
Receiving or are on a waiting list for specified medical treatment
Travelling to receive treatment abroad
Have been given a terminal prognosis for a medical condition
Expenses incurred due to any of the following conditions:
Suicide self-inflicted injuries or illnesses
Mental disorder
Anxiety, stress or depression
Venereal diseases
Alcohol/drug abuse
HIV/AIDS
Life-threatening conditions are covered if they arise out of disclosed pre-existing diseases, which are mentioned in the policy schedule. Customers need to declare all pre-existing diseases while taking the policy
Note: Please read the policy wordings for a full list of exclusions.
There are two ways to make a student travel insurance claim, cashless and reimbursement. Given below are the steps needed to get your claim:
Step 1: Intimate Reliance General Insurance within 24 hours of the occurrence of a claim
Step 2: For worldwide cashless claims, call the below mentioned landline number or the national toll-free number or International toll-free numbers.
Landline: +91-22-67347843/44 (Charges Applicable)
National toll-free number: 1800-209-55-22
International toll-free numbers:
Step 3: For reimbursement claims, submit a filled claim form along with all the documents at the below mentioned address:
Reliance General Insurance, Claims Department, C/O Europ Assistance India Pvt. Ltd., C-301, Business Square, Andheri Kurla Road, Chakala, Andheri (E), Mumbai - 400093, India
If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration Form & visit the nearest branch.
Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy: Student Plan. UIN: RELTIOP08002V010708. Premium: The premium mentioned is excluding taxes for a Basic Student Plan for an individual aged 20 years on a trip of 30 days. This is applicable for geographical regions excluding USA and Canada only. Total Loss of Checked Baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable Sum Insured and per item in baggage max 10%. Note that the Reliance Basic plan is for students going to certain Universities where the demand is that the medical cover shall only be taken locally. The sum insured mentioned against each coverage is the maximum limit up to which the benefit under that section becomes payable. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.
For your convenience, our application procedure is short and simple. All you have to do is submit this form, completely filled, along with the cheque for the premium. However, if you are a senior citizen (60 to 70 years old), you will need to undergo a medical test and submit the medical report with the form.
To cancel your policy, all you have to do is submit a letter at any of our branch offices. Once we receive a written request from you, your policy will be cancelled within one day.
The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.
You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days
Yes, we refund part of your premium if no claim has been made on any part of your policy and there is more than 30 days left from the expiry date.
International Travel Insurance covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling. Any basic travel insurance policy will cover you for:
Apart from these, you can opt for covers like:
Depending on the policy and additional covers you take, a travel policy could cover you for liabilities or risks like:
If you opt for the student travel policy, it will cover you for:
Yes, it does. We will reimburse you for expenses incurred on acute anaesthetic treatment of a natural tooth or teeth.
In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.
However, the policy will not cover you if your passport. . .
The loss of handbag is not covered. Your policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.
Your policy will pay the necessary expenses incurred while obtaining a duplicate or fresh passport after coming to India. This will be up to the maximum sum insured mentioned in your policy.
This particular insurance policy will compensate you for any unfortunate outcomes / losses or any accidents that may happen when you travel. This compensation is different for various losses and is limited to the ‘sum insured’ as mentioned in the plan. To understand the benefits better click here.
As long as you are travelling by an IATA certified carrier, you will be covered for any cases mentioned in your policy.
Your travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.
Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner. If you have been hospitalised for more than 2 consecutive days, you can even avail daily allowance.
This is a special service that provides you, the insured, assistance in times of financial emergency that may arise only due to theft or robbery. In a situation where you are short of funds / cash, this cover will not be able to help you.
In case your flight is hijacked, your policy will compensate you, up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.
In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy.
If you opt for the Home Burglary cover, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Please note that the cover does not protect you from losses sustained due to fire or other perils.
A student travel insurance policy covers you for a specific period depending on your choice. If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. In case your examination is delayed and this causes an unanticipated extension beyond the specified period, you can always extend your policy.
Unfortunately, we do not cover any complication arising from pregnancy. However, if any medical assistance is required to save the insured person's or the child's life, then on the advice of the ISOS the policy may cover you for hospitalisation charges.
If you sustain any disease / illness / injury on the last day of your policy, you will need to inform ISOS immediately. In such cases, we will need to get a clearance from ISOS that the insured is unfit to return to India.
In such a case, if the death or disablement occurs within 12 months from the date of the policy start, the company will process the claim as per terms and conditions of the policy in favour of beneficiary / nominee mentioned in the policy.
Reliance Overseas Travel Insurance policy provides compensation for death or permanent disability due to an accident on any flight, ship or other common carrier.
If incase the insured is hospitalized for injury sustained and/ or illness contracted at any place during his/her trip, then the company provides the cost of travel and accommodation incurred for sending a relative or friend overseas for assistance of the insured.
When you and your family are on a foreign tour, Reliance Overseas Travel Insurance covers your home/ home contents against burglary. The policy covers your home contents as per their market value. It protects your house and valuables from burglary and/or attempted burglary, up to the limit of Sum Insured. This cover does not cover losses sustained due to fire or other perils.
Yes. Please read your policy document carefully to understand what risks you are covered for and what is not covered. Ensure, you have the cover you need.
No, an international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover you for the relevant benefits, while you are travelling within the country.
Online payments definitely make life easier. At Reliance General Insurance, you can pay your policy premium in following ways:
We accept all Visa, Mastercard, American Express cards and other international credit cards.
You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, amount of premium you want to pay and the amount and type of risks you want to be covered for.
The corporate policy is designed to provide you convenience of usage. If you have opted for a short-term plan for a specific period of insurance and number of man-days, a float amount for your company would be created with us.
As and when an individual employee travels, his details need to be intimated to us. The premium amount, based on the employee's number of days of travel, age and some other details, would be adjusted in this float amount. Similarly, let us know as and when you add or delete a person, so we can adjust the float amount.
Yes, we do give group discounts. The details are as follows:
We have appointed Europe Assistance India to facilitate claims services for all our customers. Since they have worldwide presence, you will receive prompt service and your claims will be settled quickly.
Ideally, you should intimate your claim to International SOS (ISOS) immediately. The maximum number of days it should take you to let us know is 30 days following the incident. Followed by the intimation, you need to submit complete, written proof of the loss along with the signed claim form to us within maximum 30 days from the date of loss.
In case of OPD (Out Patient department) treatment, you will need to make the payment and then claim reimbursement from us. In case of hospitalisation, we will settle the bills directly with the doctor/hospital/service provider if the claim is notified to ISOS and cashless facility is approved.If, due to any circumstance, the cashless transaction is not approved, you will have to make a payment yourself and claim reimbursement after submitting necessary documents.
Once we receive all complete written proof of loss along with the signed claim form; we will process the claim within 7 working days.
The documentation will vary depending on the type of the claim. Here’s a comprehensive list of requirements for the various types of covers.Medical & Emergency Expenses
Loss of Baggage
Delay of Baggage
Trip delay / cancellation/ interruption/ missed connection
Hijack
Accidental Death
Dismemberment Case
Financial Emergency Assistance
Please remember any medical statements from relations / spouse will not be accepted.Compassionate Visit
Please remember any medical statements from relations / spouse will not be accepted.Home Burglary
You could get admitted to any registered hospital. If the claim amount is small we would advise you to pay it yourself and take a reimbursement when you come back to India. However, in case you do require it, you can request ISOS and they would provide you with the cashless facility.
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