Overseas Student Travel
Overseas Individual Student Travel Insurance
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About Overseas Student Travel Insurance
Overseas or International Student Travel Insurance offers coverage for students studying abroad, including medical emergencies, trip cancellations, lost baggage, and emergency evacuations. It helps manage healthcare expenses, provides personal liability protection, and offers support for unexpected events, ensuring a safer and more secure study experience.
What is an Overseas Student Travel Insurance?
Overseas Student Travel Insurance is a specialized insurance plan designed to provide coverage for students studying abroad. It offers protection against various risks, including medical emergencies, study interruptions, lost baggage, and passport issues, ensuring that students have financial support in case of unforeseen circumstances.
This type of insurance is particularly important for international students, as it covers the high costs of healthcare in foreign countries, helps with trip cancellations or delays, and provides assistance in emergencies like evacuation or lost documents.
With coverage for personal liability and mental health support, this insurance helps students manage the challenges of living in a new country, making their educational journey safer and more secure.
Why Do You Need an Overseas Student Travel Insurance When Going Abroad for Study Purpose?
Who Should Buy an Overseas Student Travel Insurance?
Overseas Student Travel Insurance should be purchased by any student studying abroad, including those on exchange programs, internships, or long-term degree courses. It's essential for students traveling to countries with high healthcare costs or those with pre-existing health conditions. Additionally, many countries require proof of insurance for visa applications.
Overall, it provides crucial coverage for medical emergencies, trip disruptions, and other unforeseen events, ensuring a safer study experience.
What’s Covered Under Overseas Student Travel Insurance?
- COVID-19 Covers: Covers medical expenses related to COVID-19, including hospitalization and treatment if diagnosed while abroad.
- Baggage Covers:
- Lost Checked-In Baggage: Compensation for lost or stolen baggage, based on policy terms. Delayed Checked-In Baggage: Reimbursement for necessary items purchased if luggage is delayed.
- Journey Covers:
- Sponsor Protection: If your sponsor cannot pay tuition fees due to an accident, the policy covers the remaining tuition costs. Loss of Passport: Reimbursement for the cost of obtaining a new passport. Missed Flights: Covers additional expenses due to missed flights caused by delays or strikes. Hijack Help: Provides distress allowance in case of hijacking. Personal Liability: Covers damage to third-party individuals or property.
- Medical Covers:
- Medical Emergencies: Covers expenses for accidents, illnesses, and dental emergencies. Dental Expenses: Covers dental treatment costs for emergencies such as toothaches, dental accidents, or other urgent dental care needs while studying abroad. Emergency Evacuation: Covers costs for moving to another location or returning to India for medical treatment. Continuing Treatment: Pays for medical expenses arising from a previously settled claim. Accidental Death and Repatriation: Provides coverage for accidental death, repatriating remains back to India. Study Interruption: Reimburses unused tuition fees if studies are interrupted due to medical emergencies or family emergencies. Compassionate Visit: Covers travel costs for a family member to visit if the student is hospitalized for over seven days. Maternity Benefit: Covers in-patient maternity treatment after a waiting period of 10 months. Childcare Benefits: Covers medical expenses if an infant is hospitalized for more than two days. Cancer Screening: Covers cancer screening costs as recommended by a qualified physician. Physiotherapy: Covers medically necessary physiotherapy after an accident.
What’s Not Covered Under Overseas Student Travel Insurance:
- Expenses for Treatment of HIV/AIDS or Other Transmitted Diseases: Most policies exclude coverage for medical treatment related to HIV/AIDS or other sexually transmitted diseases.
- Hazardous Activities, Drugs, Alcohol, or War/Nuclear Perils: Costs arising from injuries or incidents caused by engaging in hazardous activities, or those occurring under the influence of drugs or alcohol, are generally not covered. This also includes expenses from events related to war, terrorism, or nuclear risks.
- Exposure to Ionising Radiation or Contamination: Treatment or expenses incurred due to exposure to radioactive materials or contamination are typically excluded from coverage.
- Self-Inflicted Injuries or Suicide: Medical expenses or incidents resulting from self-harm, suicide attempts, or injuries intentionally caused by the insured person are not covered.
- Professional Services: Any liability or costs arising from the provision of professional services by the insured, such as legal, medical, or consultancy services, is excluded.
- Business Activities: Expenses incurred as a result of engaging in business-related activities while traveling are not covered under most student travel insurance policies.
- Ownership of Aircraft, Watercraft, or Motor Vehicles: Costs related to accidents or injuries arising from the insured person’s ownership or operation of vehicles, aircraft, or watercraft are not covered.
- Personal Liability Towards Another Individual: The policy typically does not cover personal liability for harm or damage caused to others, whether personal, official, or commercial in nature.
- Wrongful Detention, False Arrest, Eviction, Defamation, or Mental Trauma: Expenses arising from wrongful detention, false arrest, wrongful eviction, or defamation, including related mental trauma or shock, are usually excluded.
- Intellectual Property Disputes: Costs arising from disputes related to the infringement of intellectual property rights, such as patents, copyrights, or trademarks, are not covered.
- Liability Related to Animals or Reptiles: Any liability resulting from the possession, handling, or ownership of animals, insects, birds, reptiles, or their byproducts is typically excluded.
- Engagement in Breach of Law: Any costs or legal liabilities arising from the insured person engaging in unlawful activities or breach of law are not covered by most policies.
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FAQs About student travel insurance
Students between 16 to 40 years planning to study abroad can purchase the policy.
Yes, the policy provides worldwide cover from 30 days to 2 years.
The sum insured is applicable for the entire policy duration, not on a yearly basis.
No, the policy start date cannot be after the trip commencement date
