Why pay for your student insurance in dollars, when you can get it much cheaper here?
A comprehensive cover which insures you against unfortunate incidents or unexpected expenses abroad and provides timely assistance and support when you need it the most.

» Student policy

1. Accepted by most of the foreign universities as a substitute for their compulsory
2. insurance
3. Medical out-patient expenses covered
4. No pre-medical check-up required
5. 12 - Plan options
6. Tailor-made plans to meet varied student needs
7. Buy the policy in Indian rupees, which is 1/3 the cost of buying abroad

» Benefits
A comprehensive policy that covers you against medical expenses, dental treatment, repatriation of remains, checked baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and compassionate visit.

ICICI lombard General Insurance Company Ltd.

Book Your Insurance Policy Online

» Medical Expenses - US$ 50,000 to US$ 250,000
Incurred because of illness or accident including medically necessary and prescribed emergency evacuation. It covers defined# outpatient, in-patient, medical aid, therapies and diagnostic tests.

I- Worldwide Inclusion USA & CANADA

	Gold Plan W250 Medical Expenses 2,50,000
	Gold Plan W100 Medical Expenses 1,00,000
	Gold Plan W50 Medical Expenses 50,000
	Worldwide Inclusion USA & CANADA
	Gold Plus Plan W250 Medical Expenses 2,50,000
	Gold Plus Plan W100 Medical Expenses 1,00,000
	Gold Plus Plan W50 Medical Expenses 50,000

II- Worldwide Exclusion USA & CANADA

	Gold Plan X250 Medical Expenses 2,50,000
	Gold Plan X100 Medical Expenses 1,00,000
	Gold Plan X50 Medical Expenses 50,000
	Worldwide Exclusion USA & CANADA
	Gold Plus Plan X250 Medical Expenses 2,50,000
	Gold Plus Plan X100 Medical Expenses 1,00,000
	Gold Plan Plus X50 Medical Expenses 50,000

» Dental Treatment - US $ 250
Resulting from injury to sound natural teeth.

» Repatriation of Remains - US $ 7,500
In case of death overseas.

» Checked Baggage Loss - US $ 1,000
For complete and permanent loss of checked in baggage.

» Personal Accident - US $ 25,000
Unintentional damage to health.

» Personal Liability - US $ 100,000
Resulting from death, injury or damage to health or property to a third party.

» Bail Bond - US$5,000
If arrested or detained by police or judicial authorities of the place, for any bailable offence whilst abroad.

» Study Interruption - US$ 7,500
Reimbursement for the remaining part of the current school semester fee, if studies are interrupted on account of a medical condition or compassionate reasons on the family front.

» Sponsor Protection - US$ 10,000
Will pay/reimburse tuition fees in case of demise of person paying for studies.

» Compassionate Visit - US $ 7,500
In case of hospitalization (exceeding 7 days) of student or a family member, where a family member visits student or student visits India. Round trip economy class tickets and accommodation (only for the family member visiting abroad) will be provided for.

» Exclusion Medical expenses arising out of
	Pre-existing conditions
	Addiction to alcohol, drugs
	Mental disorder, anxiety, depression
	Venereal diseases
	Sexually transmitted diseases, AIDS, HIV
	Radiation, nuclear weapons induced
	Sporting activities

Expenses arising out of loss valuables, money, securities and tickets

Loss of passport in public places

Personal liability of the insured

Note:

All benefits/reimbursements mentioned here is up to the maximum limit specified against each in the Part I of the Schedule.
Maximum duration per trip: 365 days.
Minimum age of insured persons is 16 years.
Maximum age of insured persons is 35 years.
Non-insurable persons: professional and semi-professional sportsmen.
The policy should start before commencement of the trip for the total duration of the trip.

» Claim Procedure
For Cashless Settlement

1. Inform Third Party Agents (TPA) help line and register a claim. You can get in touch with them at + 1 866 239 6095 (Toll free in North and South America), 00 800 50 60 60 50 (Western Europe), +33 1 41 61 19 16 (Eastern Europe, Africa and Middle East), + 91 22 2494 4497 (Rest of Asia and Oceanic).

2. TPA would validate and authenticate the claim.

3. TPA settles bills directly with hospitals/ provides remittance.

» For Reimbursement Settlement

1. Inform Third Party Agents (TPA) help line and register a claim. You can get in touch with them at + 1 866 239 6095 (Toll free in North and South America), 00 800 50 60 60 50 (Western Europe), +33 1 41 61 19 16 (Eastern Europe, Africa and Middle East), + 91 22 2494 4497 (Rest of Asia and Oceanic)

2. TPA would validate and authenticate the claim.

3. The insured must submit the duly filled claim forms along with the original ticket or boarding pass or copy of the passport showing the travel dates and original bills / vouchers.

4. TPA would check and reimburse payments within 7 days.

» You can file a claim for the following services:

- Medical accident & sickness expenses
- Loss of baggage while traveling
- Delay of baggage
- Trip delay
- Personal liability

» Documents required for filing a claim

- Duly completed and signed claim form
- Policy copy
- Air ticket jacket / boarding pass

» Additional documents required For Health Cover

- Original bills, vouchers, reports and discharge summary. These documents must mention :-
(i) Name of the treated
(ii) Type of illness
(iii) Details of medical treatment provided
(iv) Dates of treatment

»Prescriptions and original bills and they must

(i) Clearly show the medicines prescribed
(ii) Price and the receipt stamp of the pharmacy

-- For expenses of transportation due to medical reasons, you also need to attach a medical statement from physician indicating :-
(i) Cause of illness
(ii) Reason for necessity of the transportation

» For Delay of Baggage

- Original bills / receipts of emergency items purchased during the period when the baggage was delayed
- Property irregularity report stating the date and time of baggage arrival
- Letter from the airline as to when the baggage was returned to the insured and whether any compensation is paid towards the settlement of claim for the delay of baggage

» For Loss of Checked-in Baggage

- Property Irregularity Report issued by the airlines
- Letter from airline confirming that the baggage has been permanently lost
- Letter from airline stating compensaion received for lost baggage
- Proof of ownership of items valued in excess of USD 100

» For Loss Of Passport

- Police report obtained within 24 hours of becoming aware of the theft.
- Bill / receipts of expenes incurred in obtaining fresh or duplicate passport