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What are Student Travel Insurance Plans

Some absolute basics on how these plans work
WHAT
An International Student Travel Insurance Plan is an insurance cover for students who are going abroad specifically for the purpose of study. It is just like a travel policy but for a far higher duration because it is related to an educational course. At MintWise, the highest duration you can buy a student travel insurance plan for, is 4 years (including extensions). Also, unlike a basic travel insurance policy, it comes with a lot of benefits which are included keeping students and their requirements in mind.
WHO
Only students who are Indian nationals can buy an international student travel insurance plan offered by an Indian insurance company.
WHEN
Before the trip : When the student is in India before the trip starts.
Extensions : When the student is abroad and want to extend her/his existing student travel insurance policy.
New policy when already abroad : A new policy when already abroad, with the condition that the policy would start on the date of buying the policy.
All Indian insurers may or may not offer any of or all the above options. Compare to check who does.
HOW
The best way to buy a student travel insurance policy is Online. You get the best value through guidance on what to look for in the plan, detailed comparison of all options in the market, highest premium discounts, a clear view on plan exclusions and most importantly, assistance if there is a claim. And that's why we are here.


Calculating Premium for your Student Travel Insurance plan

What determines the Premium you pay for your Insurance?
STUDY COUNTRY
Mainly because of very high medical costs, premiums for student overseas travel insurance to cover international courses in United States of America (USA) & Canada are far higher (by about 50-90%) than the rest of the world. However, it is still just one-third of the cost if you were to buy from abroad.
COURSE DURATION
Longer the duration, longer is the cover and hence higher the cost. But you do get some discounts when you buy for a longer duration. You may also buy for a specific duration now, and then extend it later online. We can, of course, help you with that as well.
Unlike other insurance products, international student travel insurance does not depend on your gender, or on whether you are a smoker or not. As long as it is not United States (USA) & Canada, the premium for other countries is generally the same. Some countries may offer rates that are slightly higher for Schengen Area (26 member countries in Europe namely - Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland and Liechtenstein)

Student Travel Insurance - Comprehensive Cover, Low Premium

Make your study abroad hassle-free with Cashless Medical, Travel and Study Cover
CASHLESS MEDICLAIM AND HOSPITALIZATION WORLDWIDE
Get peace of mind with the best quality healthcare and cashless settlement across US, Canada, UK, Europe, Australia, New Zealand, Singapore, Japan, China, and the rest of the world.
JOURNEY-RELATED COVER, STARTING RIGHT FROM YOUR DOORSTEP
Baggage Loss, Delay in Baggage, Loss of Passport, Flight Delay, Loss of Laptop, Personal Liability, Credit Card frauds - covers more benefits than when you buy insurance abroad. What's more - it comes at just a third of the cost!
PROTECTION FROM STUDY INTERRUPTIONS
Covers unforseen events such a death to your sponsor or loss of tuition fees owing to your having to stop the course. Even 'bails you out' if you are arrested for some reason.

Student Overseas Travel Insurance - Custom-made for the Indian Student

What makes insurance cover offered in India worth it?
Indian general insuranceand health insurance companies offer a wide range of benefits through international student travel insurance plans. Tie-ups with International Agencies have ensured that Indian students studying abroad get the best of services in case of a claim. Ranging from Medical Insurance, Hospitalization benefits, Travel-related services and even Liability Cover, products available in India come complete with core benefits and also the bells and whistles.
 
As a student, here are some top benefits that are offered as part of International Student Travel Insurance policies. Understand them to know which are the one that you must have when you buy an International Student Travel Insurance plan.

   Sponsor Protection

Since most courses abroad are expensive, most students have a 'Sponsor', i.e. a person who funds the education abroad. The completion of the course depends on the well-being of the Sponsor. With Sponsor Protection benefit in your International Student Travel Insurance plan, in the case of an injury from an accident leading to death of the Sponsor, the Insurance Company will reimburse the Tuition Fees incurred for the remaining period of his overseas education up to the Sponsor Benefit Sum Insured.
 
Sponsor Protection benefit is extremely critical to have in your overseas student travel insurance policy if you are being sponsored by a parent or relative.

   Study Interruption Cover

While we are generally well-prepared for our studies abroad, a study interruption can happen for the most unforseen resasons. This could be anything from a lengthy hospitalization, medical repatriation/evacuation to home/other country, or sometimes death of an immediate family member can cause you to cut your studies short mid-way into your education course.
 
Most international student travel insurance products offer study interruption protection either in the base policy or as an add-on at extra cost. In case of a claim, the insurance company would reimburse the unused part of the tution fees already paid to the university on a pro-rata basis.

   Bail Bond

In a foreign country, especially if you haven't stayed there before, there could be a lot of rules, laws and regulations that you might not be aware of. And it could just happen that you break the law unknowingly and get arrested! Don't think of it as impossible - the cases are many.
 
If your International Student Travel Insurance plan covers you with a 'Bail Bond', then in case you are arrested or detained by the Police or judicial authorities when abroad, and if the offence is bailable, then the amount up to the specific Sum Assured will be provided (generally directly) to the appropriate authority or Court as bail amount towards the arrest or dentention.
 
We hope you never have to use this benefit. But it helps when you know that your insurance covers you for that.

   University Sports Injury

Since most courses abroad are expensive, most students have a 'Sponsor', i.e. a person who funds the education abroad. The completion of the course depends on the well-being of the Sponsor. With Sponsor Protection benefit in your Student Travel Insurance plan, in the case of an injury from an accident leading to death of the Sponsor, the Insurance Company will reimburse the Tuition Fees incurred for the remaining period of his education up to the Sponsor Benefit Sum Insured.
 
Sponsor Protection benefit is extremely critical to have in your student travel insurance policy if you are being sponsored by a parent or relative.

   Personal Liability

Personal Liability cover is one of the most important features to look for in your international student travel insurance plan.
 
Imagine you are driving a car in a foreign country and had an accident. Or accidently injured someone or someone's property. Or in an extreme case, someone got killed owing to your fault (even if it is accidental). Such as situation is pretty serious especially in countries such as US, Canada, UK and Europe, and you would be legally required to compensate for the loss of property/life.
 
With Personal Liability cover, in the event of your becoming legally liable to a third party under law for an incident which results in death, injury or damage to the health of such third party or damage to her/his properties, an amount not exceeding the Sum Insured for Personal Liability is paid directly to the affected party. Remember, this could be in lakhs of rupees (equivalent to thousands of dollars). Shelling this out on your own could cost you or your family an entire lifetime's savings. So make sure you do not leave India without this benefit in your student travel insurance plan.

   Compassionate Visit

There have been several cases of Indian students contracting illnesses in a foreign country. Sometimes such illnesses are serious and/or need a long period of hospitalization. In addition to treatment at the hospital, it is sometimes required that you need a personal friend / relative / family member to be by your side. It just makes you feel better and recover faster.
 
With Compassionate Visit benefit, in the event your being hospitalized for more than 7 consecutive days (could be different depending on your plan), and your medical condition does not allow repatriation to India, and if no adult member of your immediate family is present, then the insurer after obtaining confirmation of need for a companion from the attending doctor, will provide a) a round trip economy class air ticket, or first class railway ticket, to allow one immediate family member (your Mom or Dad, say), during the entire period of insurance, to be at your bedside for the duration of stay in the hospital, and (b) expenses towards the person's stay during this compassionate visit.
 
Now, doesn't that sound really comforting?

   Medical Transportation

Since most courses abroad are expensive, most students have a 'Sponsor', i.e. a person who funds the education abroad. The completion of the course depends on the well-being of the Sponsor. With Sponsor Protection benefit in your Student Travel Insurance plan, in the case of an injury from an accident leading to death of the Sponsor, the Insurance Company will reimburse the Tuition Fees incurred for the remaining period of his education up to the Sponsor Benefit Sum Insured.
 
Sponsor Protection benefit is extremely critical to have in your student travel insurance policy if you are being sponsored by a parent or relative.

   Repatriation of Mortal Remains

Since most courses abroad are expensive, most students have a 'Sponsor', i.e. a person who funds the education abroad. The completion of the course depends on the well-being of the Sponsor. With Sponsor Protection benefit in your Student Travel Insurance plan, in the case of an injury from an accident leading to death of the Sponsor, the Insurance Company will reimburse the Tuition Fees incurred for the remaining period of his education up to the Sponsor Benefit Sum Insured.
 
Sponsor Protection benefit is extremely critical to have in your student travel insurance policy if you are being sponsored by a parent or relative.
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