Studying abroad comes with various risks, including the high cost of medical care and hospitalization in foreign countries. Student Travel Insurance is a specially designed, comprehensive plan that provides financial protection to students in emergencies. Whether it’s a lost passport, misplaced baggage, or unexpected medical expenses, this policy ensures students can focus on their education without worry.

Key Benefits

A student travel insurance plan offers extensive security and numerous benefits to address the risks associated with studying abroad. The policy covers:

  • Medical treatments and accidental injuries
  • Theft, passport, and baggage loss
  • Legal prosecution
  • Many other scenarios that ensure complete peace of mind for students in a foreign country

Coverage

  1. Accidental Death/Personal Accident
  2. Permanent Disablement
  3. Emergency Medical Expenses
  4. Emergency Dental Treatment
  5. Loss of Passport
  6. Loss or Delay of Checked Baggage
  7. Personal Liability
  8. Bail Bond and Tuition Fee Coverage
  9. Study Interruption
  10. Sponsor Protection
  11. Compassionate Visit
  12. Psychological Coverage (Mental & Nervous Disorders)
  13. Screening and Examinations
  14. Childcare Benefits
  15. Maternity Benefits for Termination of Pregnancy
  16. Red 24 Service: A global security service that offers expert advice to help students and their families manage risks. It acts as an advanced information hub, providing proactive guidance about potential risks in and around the destination country.

This comprehensive coverage allows students to study abroad with confidence, knowing they’re protected against unforeseen challenges.



Exclusions

  1. Medical-Related Exclusions:
    • Traveling against medical advice, awaiting specified medical treatment, or traveling for the purpose of obtaining treatment.
    • Traveling after receiving a terminal prognosis.
    • Claims related to pre-existing conditions or complications arising from them.
  2. Mental and Self-Inflicted Conditions:
    • Suicide, attempted suicide, or intentional self-inflicted injury or illness.
    • Sexually transmitted conditions, mental or nervous disorders, anxiety, stress, depression, HIV/AIDS.
  3. Military and Hazardous Activities:
    • Serving in the military or armed forces during peace or war (pro-rata premium may be refunded upon written notification).
    • Losses occurring under circumstances described in a hazard.
  4. Substance Influence:
    • Being under the influence of drugs, alcohol, or intoxicants unless prescribed and taken as directed by a physician.
  5. Illegal Activities and Recklessness:
    • Participation in felonies, riots, crimes, misdemeanors, or civil commotions.
    • Self-exposure to unnecessary risk, except when attempting to save human life.
  6. Aviation and Travel Risks:
    • Operating, learning to operate, or working as a crew member on any aircraft.
    • Losses related to war, invasion, insurrection, rebellion, or usurpation of power.
    • Exposure to ionizing radiation or radioactive contamination from nuclear fuel or equipment.
  7. Congenital and Hazardous Sports:
    • Congenital anomalies and related complications.
    • Participation in hazardous sports such as skydiving, scuba diving, bungee jumping, mountaineering, motor racing, or any untrained dangerous activities.
    • Injuries from professional or bodily contact sports (excludes intercollegiate sports).
  8. Motorized Conveyance and Pregnancy:
    • Riding on motorcycles or other motorized two-wheelers as a driver or passenger.
    • Losses related to pregnancy, childbirth, or complications thereof.
  9. Criminal and Terrorism Activities:
    • Losses due to illegal acts, violations of the law, or resistance to arrest.
    • Travel to or through restricted countries such as Afghanistan, Cuba, or the Democratic Republic of Congo.
    • Losses involving terrorists, members of terrorist organizations, narcotics traffickers, or purveyors of nuclear, chemical, or biological weapons.
  10. Non-Medical Expenses:
    • Any claim arising from non-medical expenses.

This exclusion list outlines scenarios and activities where claims will not be covered under the policy.

Claim Process

In the event of a loss, the following steps should be taken immediately:

  1. Notify the Insurer:
    • Inform the insurer about the loss without delay.
    • Submit a detailed written statement outlining the claim, including the nature, extent, and estimated value of the loss.
    • Delayed notification may jeopardize the claim, as the insurer may decline liability for the loss or damage.
  2. Mitigate Further Loss:
    • Take all necessary steps to minimize the extent of the loss, damage, or liability.
  3. Determine the Cause:
    • Identify the proximate cause of the loss and assess its type and extent to confirm whether it falls within the policy’s coverage.
  4. Cooperate Fully:
    • Extend full cooperation to the insurer and the appointed surveyor for completing the assessment process.
  5. Provide Necessary Documentation:
    • Submit all records and evidence requested by the insurer or surveyor to establish the extent of the loss and determine liability under the policy.
    • Required documents may include the claim form, claim bill, a copy of the policy, and identification of the insured subject matter.

By following these steps, the claims process can proceed efficiently and accurately.