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Student Travel Insurance

Pursuing higher studies in a foreign country exposes you to several budget-straining risks. Here, Overseas student travel insurance ensures your study term is insured against unforeseen medical and non-medical emergencies.

With Student Trip Insurance, you get covered for

Medical Emergencies Abroad

PED in Life-Threatening Conditions

Study Interruption

Loss of Laptop/ Tablet

Student Travel Insurance
  • 45 LAKH+ Travellers Served^^
  • 184 Crore+ Claim Amount Paid**
  • 24*7 Claim and Customer Support

Trusted by People

4.1/5

Served 45 Lakh+ travellers

Let’s Secure Your Overseas Studies!

Basic Details

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Written by:
Anjali Sharma
Anjali Sharma
Anjali Sharma
Insurance Expert

A skilled Insurance Specialist with expertise in writing and research in diverse fields like medical and insurance. Adeptly crafts clear and engaging content. With a strong understanding of complex terminology and regular guidelines, creating informative articles, blog posts, and marketing materials that resonate with the target audience.

Reviewed by:
Rashmi Rai
Rashmi Rai
Rashmi Rai
Insurance Specialist

Rashmi is an insurance specialist with a passion for storytelling. As an insurance sector wordsmith, she brings out a unique perspective and seamlessly explains the mundane terminologies of insurance. Apart from talking about insurance, Rashmi is an avid reader who finds it fun to explore various health and travel topics and explain it to our audience through our platform.

What is Student Travel Insurance?

Student travel insurance offers financial coverage to individuals travelling abroad for higher studies. This overseas trip insurance is generally a prerequisite when you apply for a study visa. The plan offers financial coverage if an unforeseen medical or non-medical emergency such as hospitalisation, study term interruption, or loss of belongings occur.

When buying an international student travel insurance, you shall be asked for your course details, the university admission details, and course tenure when you apply for student travel insurance.

Select from the Best International Travel Insurance Plans

Even after meticulous planning, your overseas study trip may sometimes bring unforeseen surprises. Therefore, to simplify your journey, we offer Student Explore—one of the best student travel insurance plans online.

Additionally, Care Health Insurance also offers International Travel Insurance plans for adventure seekers, explorers, and students planning to study in the US and Canada.

  • Student ExploreTravel Insurance to Secure Your Study Trip Abroad
  • Student Explore-Health UnlimitedTravel Insurance With Unlimited Healthcare Coverage

Student Explore

  • Medical coverage extended to the country of residence
  • Coverage for Study Interruption
  • Medical Evacuation
  • University Insolvency
  • Cover Amount$30,000
  • Starting At₹20.40/day2

Student Explore-Health Unlimited

  • Unlimited health coverage in the US & Canada
  • Coverage for adventure sports
  • Inpatient & outpatient hospitalisation
  • Acceptable across most universities in the US & Canada
  • Cover AmountUnlimited Health Coverage
  • Starting At₹319.63/day3

Why Do You Need Overseas Student Insurance?

According to data released by the Ministry of External Affairs, 1.8 million Indian students travelled abroad in 2025 to pursue higher education. This marks a significant increase from 1.3 million in 2023.

This increase in the numbers exposes the host countries to several financial liabilities. Therefore, foreign universities require travel insurance for student visas. Additionally, mentioned below are a few reasons why travel insurance for students is mandatory:

Cost of Living can be expensive

Given the high cost of living, even a single hospitalisation can cost you a fortune. Here, , overseas medical insurance for students ensures your term is covered against unforeseen medical emergencies.

University insurance may not be enough

University-led overseas student insurance may only cover emergencies on campus, leaving other financial gaps. Therefore, student travel insurance from your home country is essential.

You get more than just medical coverage

International student insurance from a renowned insurer not just covers you during hospital visits but also takes care of your finances during loss of belongings, university insolvency, etc.

Protects you amidst trip interruptions

Unplanned trip interruptions may result in a loss of tuition fees. While you cannot prevent an emergency, having overseas student insurance will share your burden of incurred expenses.

Offers peace to parents

Student travel insurance from your home country shall be readily accessible not just to you but also to your parents back home, ensuring easy access to services such as claim settlement, trip extension, etc.

Key Benefits of Care’s Student Travel Insurance Plan

Student travel insurance covers the significant aspects of your international study trip, including medical expenses, trip-related hiccups, university insolvency, etc.

Here are some benefits that you get when you are covered under one of the best travel insurance policies for Students:

All-rounded Coverage

From hospitalisation to bail bonds, university insolvency, and baggage loss, overseas student insurance provides comprehensive coverage for travel, medical, and non-medical expenses.

Variety of Optional Add-ons

To ensure your student visa travel insurance complies, our plan includes optional benefits, such as adventure sports cover. Such optional add-ons ensure you only pay for the coverage that might be required.

No Pre-policy Medical Checkup Required

The international student travel insurance does not require a pre-policy checkup. However, you must always disclose your existing health conditions to ensure you get coverage for life-threatening conditions arising out of PEDs.

Easy Claim Process

The student trip insurance from Care Health Insurance ensures you can focus on your trip rather than the stress of filing claims through a seamless claim process.

Who Is Eligible for Student Travel Insurance?

There is a set of eligibility requirements that you must meet to be insured under student travel insurance from Care Health Insurance.

Policy Condition Eligibility Criteria
Minimum Entry Age 12 years
Maximum Entry Age 40 years
Minimum Policy Duration 30 days
Maximum Policy Duration 24 months
Cover Type Individual Coverage Available

Your insurer may ask you to procure your university’s details, such as the University’s name, the course you are planning to pursue, the duration of the course, etc.

What is Covered and Not Covered under Student Travel Insurance?

  • Coverage
  • Exclusions

The student travel insurance is generally different from a standard travel insurance policy. Here’s what’s usually covered/ excluded in our overseas student travel insurance plan.

Emergency hospitalisation

The overseas student insurance plan covers IPD and OPD expenses in the event of a medical emergency.

Pre-existing diseases

If you inform us in advance of your pre-existing illness, we will provide financial coverage for life-threatening conditions in accordance with the policy terms.

Medical evacuation

The student travel insurance covers emergency evacuation if the student needs to be moved via an ambulance due to a medical emergency.

Treatment in the home country

If you return to your home country for a vacation and fall ill during your stay, the policy will provide medical coverage.

Loss of passport and checked-in baggage

If your luggage is lost/misplaced/ broken after checking in, you get financial coverage for loss of checked-in baggage as per the policy terms.

Loss of International Driving License

If you lose your International Driving License while overseas, your student travel insurance covers the cost of replacing it.

Study Interruption

If your study is interrupted for 30 consecutive days due to an emergency hospitalisation or the death of an immediate family member, you are entitled to compensation for your tuition fee as per policy terms.

Accidental Death

The nominee shall be indemnified with a specific amount if the insured encounters an accidental death during the policy term.

Note: Please read the policy T&Cs, brochure, and prospectus to learn more about our health insurance for study coverage, as coverage may vary.

War or Nuclear Perils

Conditions of National/ International war, nuclear perils, or consequences thereof.

Drug and Alcohol Misuse

Expenses incurred due to the use/ misuse/ abuse of drugs and alcohol.#

Ionising Radiation

Expenses incurred to treat the injuries caused by ionising radiation.

Self-Harm

Any intentional harm to self, such as suicide attempts or self-injuries.#

Hazardous Activities

Claims incurred due to hazardous activities such as fire stunts that are not mentioned in the policy documents.#

Breach of Law

Expenses incurred due to the involvement of insured members in the breach of the law.

Additional Coverages in Student Travel Insurance Plans

Certain coverage under student travel insurance is offered on an optional basis to ensure you do not have to pay an unnecessary premium if you do not require the coverage.

Mentioned below are the add-ons available in student travel insurance:

Self-inflicted Injury

Hospitalisation expenses arising out of suicide attempts or self-inflicted injuries are covered as per policy terms.

HIV/ AIDS Cover

The hospitalisation costs incurred due to the treatment of HIV/ AIDS are covered if you opt for this add-on.

Vision Care

With the vision care add-on, you get covered for an eye checkup and spectacle damage with a copayment clause of 50%.

Maternity & Newborn Cover

Upon the completion of the waiting period, the insured member shall be covered for maternity and newborn care as per the policy terms & conditions.

PED Cover in Life-threatening Conditions

If you have a pre-disclosed existing health condition, you shall be covered if a life-threatening condition occurs during your term abroad.

Adventure Sports Injury

If you participate in an adventure sports activity under the supervision of an expert, you shall be covered if a medical emergency or accident is incurred.

How Does Student Travel Insurance Work?

International health coverage for students provides medical, non-medical, and trip-related benefits for individuals pursuing higher studies abroad.

Below is a step-by-step guide to how student visa travel insurance works:

  1. You purchase the insurance: When securing your study trip, you must evaluate multiple student travel insurance policies and choose one whose benefits align with your university’s requirements.
  2. Pay the premium: After assessing the plan benefits and exclusions and comparing the travel insurance premium, you must pay the premium via a secure payment gateway.
  3. File claims: Once you embark on your study venture, you shall be covered under a financial blanket. You may file a claim during your stay in the foreign country if a covered emergency arises.
  4. Claim Settlement: Once you provide the required documentation, the insurer will evaluate the claim. If approved, the claim shall be settled directly to your bank account. In case of claim rejection, you shall be informed of the reason.

How Much Does Student Travel Insurance Cost?

The premium the insured student must pay under student travel insurance is based on factors such as the destination country, study tenure, and selected coverage. The Student travel insurance offered by Care Health Insurance ensures your medical and non-medical needs are covered without leaving a gap in your budget. Let us understand this with the help of a case study:

Case Study

Satakshi, a 22-year-old Student, plans to pursue a master's degree from Princeton University. She opts for a Student trip insurance plan from Care Health Insurance. Below is how the overall premium will be calculated for her:

Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 22 years No $ 30,000 30 Days ₹612~

~The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured member. It considers that the insured member has not been diagnosed, hospitalised, or undergone any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has previously claimed under any travel policy.

What Factors Affect Student Travel Insurance Premium?

Factors such as study tenure, destination, medical history, and the insured member's age are considered to calculate the premium for your overseas student trip insurance.

Below is an explanation of how various factors affect the cost of student travel insurance:

Study Tenure

The duration of your stay in the foreign country directly impacts your Student travel insurance premium.

Destination

Premium for student travel insurance for the US/Canada will be higher, whereas it will be comparatively lower for the rest of the world.

Sum Insured Option

The premium shall be higher if you opt for a higher sum insured option under the travel insurance for a student visa.

Optional Add-ons

While adding optional add-ons makes your plans more comprehensive for emergencies and also ensures university compliance, it can also significantly increase your overall premium for student travel insurance.

Medical History

Existing health conditions make you prone to incurring life-threatening medical emergencies, which in turn result in increased premiums.

Insurer’s Insight: While disclosing your pre-existing condition and complete study tenure may increase your premium, it is always advised that you disclose all the trip details to ensure complete coverage throughout the policy period.

How to Buy Student Travel Insurance Online?

You can typically calculate the premium of international student insurance by following the steps below:

Visit the Website

Through the home page of Care Health Insurance, navigate to the Student travel insurance page and enter your contact number.

Enter Trip Details

Enter the asked details such as your study tenure, sum insured, and whether you have a pre-existing health condition.

Calculate Quote

After filling in the details, select whether you are pursuing education in the US/ Canada and click on “Calculate Premium”

Review Quote

On the next page, the premium, along with the major benefits covered under the student travel insurance, shall be reflected. Review it and pursue the purchase by clicking on Continue.

Documents Required to Buy Student Travel Insurance

To make a successful purchase of a student travel insurance, you must have the following documents handy:

Documents Purpose
Valid Passport Valid for at least 6 months from your entry date, with two blank pages.
Student Visa To verify your eligibility to study abroad
University Enrollment Proof Your university’s details, such as the course name, the university opted for, and the address, shall be required to identify and assess risks.
Proof of Funds Proof of funds shall be required to ensure the student can cover the expenses arising abroad.

How to File a Claim Under Student Travel Insurance?

To file a claim under Care Health Insurance’s Student Travel Insurance, you must inform the insurer as soon as the event occurs.

You can follow the steps as mentioned below:

Notify the insurer

Contact Care Health Insurance customer support or emergency assistance as soon as the incident occurs to learn about the next steps.

Seek official assistance

For medical emergencies, go to the nearest hospital. For theft or loss, visit the police station and reach out to the appropriate local authority based on the type of claim.

Collect all documents

Keep all supporting proof, including medical reports, hospital bills, prescriptions, FIR or police reports, receipts, and any other evidence related to the incident.

File your claim online

Fill out the claim form and upload the documents through Care Health Insurance’s online portal.

How to Contact Care Health’s Claim Support?

The claims support team from Care Health Insurance ensures you are not stranded amidst a financial emergency. Therefore, we partner with Mayfair We Care to cater to emergency hospitalisation, whereas you can reach out to us at the touch points to ensure a successful claim.

Documents Required to File Student Travel Insurance Claims

Appropriate documentation is the foremost requirement to ensure a seamless and successful claim settlement. Here’s a list of documents that shall be required:

  1. Duly Filled Claim Form: You must fill out a claim form and submit it to your insurer.
  2. Travel Insurance Policy Document: Next, you must provide the details of your international student travel health insurance to confirm your coverage details.
  3. Proof of Identity: A copy of your passport or Aadhaar card may be required to validate the insured person’s identity.
  4. Medical Reports or Doctor’s Certificate: Required if the claim involves medical treatment, hospitalisation, or trip cancellation due to health reasons.
  5. Hospital Bills & Payment Receipts: Original hospital invoices, consultation bills, and pharmacy receipts are mandatory for reimbursement claims under international medical insurance.
  6. Hospital Discharge Summary: If you were hospitalised, the discharge card or summary helps confirm treatment details and duration.
  7. FIR or Police Report: For theft, baggage loss, or personal belongings stolen abroad, an FIR or a local police report is essential.

Pro tip: Always keep your insurer’s contact on standby. Informing them as soon as the incident occurs can ensure quick action.

Health Emergencies & Medical Evacuation Cover

An unforeseen medical emergency in a foreign country may cost you thousands of dollars, hence derailing your finances. Let’s understand how a medical evacuation cover in student travel insurance can be useful in unforeseen medical emergencies:

Shweta, a student pursuing a master’s degree in Switzerland, visits the Swiss Alps for a weekend hiking trip. During the hike, she suffers from severe hypoxia due to the high altitude and is required to be evacuated to the nearest healthcare facility.

Because Shweta had student trip insurance from her home country that covered medical evacuation, she immediately notified the insurer and arranged a cashless medical evacuation facility for her. Thanks to one of the best student travel insurance policies, Shweta could get immediate assistance and financial coverage for evacuation, hospitalisation and treatment, ensuring she didn’t have to worry about the out-of-pocket expenses and could focus on recovery.

Student Travel Insurance for Pre-Existing Medical Conditions

Pre-existing health conditions must not stop you from pursuing your dreams, even if they are across borders! With our student travel insurance plans, we offer coverage for life-threatening conditions that arise from pre-existing diseases.

Here’s what’s generally covered if a life-threatening condition occurs due to a pre-existing disease:

  1. Hospitalisation expenses incurred for the treatment of a life-threatening condition.
  2. Daily Allowance, Compassionate Visit, and Study Interruption coverage shall be offered if medically necessary.
  3. Medical evacuation expenses shall also be covered if the insured is in a life-threatening condition and must be evacuated to the nearest healthcare facility.

Difference Between Student Travel Insurance and Travel Insurance

The difference between standard travel insurance and student travel insurance lies in their coverage. Refer to the table below to understand the key difference as explained by experts at Care Health Insurance:

Factor International Travel Insurance Student Travel Insurance
Definition International travel insurance covers financial hiccups that may arise while you are on a trip abroad. Student trip insurance covers financial emergencies that may arise while you pursue higher education in a foreign country.
Scope of Coverage Region-specific plans offering customisable coverage Comprehensive coverage with university-compliant add-ons
Trip Duration Minimum 2 days, maximum 365 days Minimum 1 month, maximum 24 months
Policy Type Available on an individual and multi-individual (for family) basis Available on an individual basis
Age Limit Minimum 1 day, no upper age limit Minimum 12 years, maximum 40 years
Unique Coverage Offered Medical coverage, luggage tracking services, baggage loss coverage, etc. Study interruption, Loss of Laptop/ Tablet, Sponsor Protection, etc.

Travel Insurance Claim Denial: Common Mistakes to Avoid

The foremost reason behind a claim is improper understanding of coverage and incomplete documents. So, to ensure a seamless claim settlement, you must always understand the coverage terms and conditions and submit the documents promptly.

Mentioned below are the detailed reasons for the overseas student insurance claim rejection:

  1. Claims filed for negligence: The insurer may reject claims arising from the insured member's negligence under the student trip insurance plan.
  2. Claim Filing & Process Errors: Incomplete documentation, Improper or wrong information, etc., shall also result in claim rejection.
  3. Incomplete Disclosures: Incomplete disclosures, such as hiding PED, may result in partial or complete claim rejection.
  4. Permanent Exclusions: Claims filed for events mentioned in the “permanent exclusions” section of the policy t&c shall not be entertained.

Top Destinations that Require an International Student Travel Insurance Policy

Thanks to the online admission procedure and the available scholarship programmes, pursuing higher education in a foreign land has become easier than ever before! However, some countries require medical insurance for students studying abroad.

The United States

The US is undoubtedly among the best countries for students to aspire to pursue higher education. However, the destination is also well-known for its expensive cost of living. Therefore, the country's top universities have mandated travel health coverage for Indian students.

Harvard University, Princeton University, and Stanford University are a few options where you can land and build your dream career.

United Kingdom

The UK is another country that offers dream careers to students from across the globe. However, due to the high cost of medical care and the risk of financial liability, universities in the UK have mandated travel health insurance for students travelling abroad.

If pursuing a career in the UK is your dream, you can aim for, universities such as Oxford, Cambridge, the University of London, etc.

Canada

In 2024, until August, 1,37,445 Indian students got a Canadian student visa. This accounts for a large Indian population pursuing their dream career in Canada. Therefore, Canadian universities offer overseas student insurance and admission forms to ensure a convenient and hassle-free career.

The University of Toronto, the University of British Columbia, and McGill University are the top universities to which one can aspire for an enlightening career.

Germany

Germany is yet another country well-known for its excellent educational infrastructure. The country offers excellent opportunities for a bright career at universities such as Ludwig Maximilians University (LMU), Munich; the University of Cologne; Goethe University, Frankfurt; and Technische Universität, Berlin.

However, in the Schengen region, students must have mandatory student travel insurance when applying for a student visa.

Overseas Travel Insurance: Plans for Popular Destinations

Planning for an international vacation in the coming year? Whether you are a solo traveller or are travelling with family, secure your next trip with these region-specific travel insurance plans from Care Health Insurance.

Note: The per-day premium has been calculated for an individual aged 24 for a 90-day trip, with starting coverage available in that region.

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FAQs on Student Travel Insurance

  • General
  • Coverage

Q. What is Student Travel Insurance?

Student travel insurance covers you from unforeseen medical and trip-related emergencies that might occur during your study term in a foreign country.

Q. How much does student travel insurance cost?

The student travel insurance premium will vary depending on certain factors such as trip duration, the insured's age, coverage opted for, pre-existing conditions, if any, and the insurer you choose.

Q. Can I buy student travel insurance after I've already started my trip?

No, you must purchase student travel insurance before your trip begins. Typically, you must opt for a plan when applying for overseas education.

Q. Is student travel insurance mandatory for studying abroad?

While not all universities require student travel insurance.

Q. When is Student Travel Insurance Required?

You may need a student travel insurance plan when a medical emergency strikes. A comprehensive plan will also offer coverage for events such as trip interruptions, university insolvency, personal liability, etc.

Q. Will my University recognise my student travel Insurance?

Almost all foreign universities recognise and accept student travel insurance provided by Care Health Insurance and other travel insurance providers in India.

Q. What documents are required to opt for student travel insurance?

To purchase travel insurance for students, you will have to submit a Proposal Form, health declaration, university-related information, and current residential details.

Q. Does Care Health Insurance Provide Health Insurance for Students in the USA?

Yes. Care Health Insurance's student insurance is accepted by universities in the USA. Thus, if you plan to fly off to the USA for higher studies, you can buy the best student travel insurance from Care Health Insurance.

Q. How to Compare Student Travel Insurance Plans Online?

To compare student travel insurance online, you must first understand your and your university’s requirements, assess the best student travel insurance plans, compare premiums, check the claim settlement ratio and then decide on your ideal student travel insurance plan.

Q. Is Student travel insurance valid for the entire course duration?

Yes, if a university requires student travel insurance, it typically requires you to cover the entire duration of your stay.

Q. Can I extend my policy while abroad?

Typically, student travel insurance can not be extended.

Q. Why Buy Student Travel Insurance from Care Health Insurance?

In addition to offering comprehensive coverage at an affordable premium, Care Health Insurance's student travel insurance provides modern benefits, a quick claims response, and a seamless claims process. Therefore, it is an ideal choice for students seeking a reliable healthcare plan while abroad.

Q. Does student travel insurance cover dental expenses?

The student travel insurance from Care Health Insurance covers expenses incurred during dental treatments while you are on an educational journey abroad.

Q. What kind of risks are covered under travel insurance for students?

The student travel insurance from Care Health Insurance covers several travel-related contingencies, including medical and non-medical expenses. In addition to emergency medical aid, the policy covers students against modern risks such as loss/theft of automobiles, bail bonds, and sponsor protection.

Q. Does student travel insurance cover pre-existing medical conditions?

Yes. Student Explore international health coverage for students studying abroad offers coverage for pre-existing diseases and life-threatening conditions. You may refer to the policy document for details on coverage.

Q. How long can I get student travel insurance?

Depending on your course duration, you can purchase a student travel insurance plan from Care Health Insurance for one month to 24 months.

Q. Does it cover sports/adventure activities?

Adventure sports coverage is typically available as an optional benefit that you can add to your student trip insurance after paying an extra premium.

Q. Does it cover mental health counselling?

Yes, mental health counselling is covered under the Student Travel Insurance Plan.

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I faced a severe road accident due to which i had to skip a term in my college in the USA. Thankfully, the plan was there to pay for my tution fee while i was back at home, recovering from the pain
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🇦🇫 Afghanistan+93 AF
🇦🇱 Albania+355 AL
🇩🇿 Algeria+213 DZ
🇦🇸 American Samoa+1684 AS
🇦🇩 Andorra+376 AD
🇦🇴 Angola+244 AO
🇦🇮 Anguilla+1264 AI
🇦🇬 Antigua and Barbuda+1268 AG
🇦🇷 Argentina+54 AR
🇦🇲 Armenia+374 AM
🇦🇼 Aruba+297 AW
🇦🇺 Australia+61 AU
🇦🇹 Austria+43 AT
🇦🇿 Azerbaijan+994 AZ
🇧🇸 Bahamas+1242 BS
🇧🇭 Bahrain+973 BH
🇧🇩 Bangladesh+880 BD
🇧🇧 Barbados+1246 BB
🇧🇾 Belarus+375 BY
🇧🇪 Belgium+32 BE
🇧🇿 Belize+501 BZ
🇧🇯 Benin+229 BJ
🇧🇲 Bermuda+1441 BM
🇧🇹 Bhutan+975 BT
🇧🇴 Bolivia+591 BO
🇧🇦 Bosnia and Herzegovina+387 BA
🇧🇼 Botswana+267 BW
🇧🇷 Brazil+55 BR
🇻🇬 British Virgin Islands+1284 VG
🇧🇳 Brunei+673 BN
🇧🇬 Bulgaria+359 BG
🇧🇫 Burkina Faso+226 BF
🇧🇮 Burundi+257 BI
🇨🇻 Cabo Verde+238 CV
🇰🇭 Cambodia+855 KH
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🇨🇦 Canada+1 CA
🇰🇾 Cayman Islands+1345 KY
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🇨🇱 Chile+56 CL
🇨🇳 China+86 CN
🇨🇴 Colombia+57 CO
🇰🇲 Comoros+269 KM
🇨🇬 Congo+242 CG
🇨🇰 Cook Islands+682 CK
🇨🇷 Costa Rica+506 CR
🇨🇮 Côte d'Ivoire+225 CI
🇭🇷 Croatia+385 HR
🇨🇺 Cuba+53 CU
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🇨🇾 Cyprus+357 CY
🇨🇿 Czech Republic (Czechia)+420 CZ
🇩🇰 Denmark+45 DK
🇩🇯 Djibouti+253 DJ
🇩🇲 Dominica+1767 DM
🇩🇴 Dominican Republic+1849 DO
🇨🇩 DR Congo+243 CD
🇪🇨 Ecuador+593 EC
🇪🇬 Egypt+20 EG
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🇪🇪 Estonia+372 EE
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🇪🇹 Ethiopia+251 ET
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🇬🇷 Greece+30 GR
🇬🇱 Greenland+299 GL
🇬🇩 Grenada+1473 GD
🇬🇺 Guam+1671 GU
🇬🇹 Guatemala+502 GT
🇬🇳 Guinea+224 GN
🇬🇼 Guinea-Bissau+245 GW
🇬🇾 Guyana+592 GY
🇭🇹 Haiti+509 HT
🇻🇦 Holy See+379 VA
🇭🇳 Honduras+504 HN
🇭🇰 Hong Kong+852 HK
🇭🇺 Hungary+36 HU
🇮🇸 Iceland+354 IS
🇮🇳 India+91 IN
🇮🇩 Indonesia+62 ID
🇮🇷 Iran+98 IR
🇮🇶 Iraq+964 IQ
🇮🇪 Ireland+353 IE
🇮🇲 Isle of Man+44 IM
🇮🇱 Israel+972 IL
🇮🇹 Italy+39 IT
🇯🇲 Jamaica+1876 JM
🇯🇵 Japan+81 JP
🇯🇴 Jordan+962 JO
🇰🇿 Kazakhstan+7 KZ
🇰🇪 Kenya+254 KE
🇰🇮 Kiribati+686 KI
🇰🇼 Kuwait+965 KW
🇰🇬 Kyrgyzstan+996 KG
🇱🇦 Laos+856 LA
🇱🇻 Latvia+371 LV
🇱🇧 Lebanon+961 LB
🇱🇸 Lesotho+266 LS
🇱🇷 Liberia+231 LR
🇱🇾 Libya+218 LY
🇱🇮 Liechtenstein+423 LI
🇱🇹 Lithuania+370 LT
🇱🇺 Luxembourg+352 LU
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🇲🇬 Madagascar+261 MG
🇲🇼 Malawi+265 MW
🇲🇾 Malaysia+60 MY
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🇲🇱 Mali+223 ML
🇲🇹 Malta+356 MT
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🇵🇷 Puerto Rico+1939 PR
🇶🇦 Qatar+974 QA
🇷🇪 Réunion+262 RE
🇷🇴 Romania+40 RO
🇷🇺 Russia+7 RU
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🇧🇱 Saint Barthelemy+590 BL
🇸🇭 Saint Helena+290 SH
🇰🇳 Saint Kitts & Nevis+1869 KN
🇱🇨 Saint Lucia+1758 LC
🇲🇫 Saint Martin+590 MF
🇵🇲 Saint Pierre & Miquelon+508 PM
🇼🇸 Samoa+685 WS
🇸🇲 San Marino+378 SM
🇸🇹 Sao Tome & Principe+239 ST
🇸🇦 Saudi Arabia+966 SA
🇸🇳 Senegal+221 SN
🇷🇸 Serbia+381 RS
🇸🇨 Seychelles+248 SC
🇸🇱 Sierra Leone+232 SL
🇸🇬 Singapore+65 SG
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🇸🇰 Slovakia+421 SK
🇸🇮 Slovenia+386 SI
🇸🇧 Solomon Islands+677 SB
🇸🇴 Somalia+252 SO
🇿🇦 South Africa+27 ZA
🇰🇷 South Korea+82 KR
🇸🇸 South Sudan+211 SS
🇪🇸 Spain+34 ES
🇱🇰 Sri Lanka+94 LK
🇵🇸 State of Palestine+970 PS
🇻🇨 St. Vincent & Grenadines+1784 VC
🇸🇩 Sudan+249 SD
🇸🇷 Suriname+597 SR
🇸🇪 Sweden+46 SE
🇨🇭 Switzerland+41 CH
🇸🇾 Syria+963 SY
🇹🇼 Taiwan+886 TW
🇹🇯 Tajikistan+992 TJ
🇹🇿 Tanzania+255 TZ
🇹🇭 Thailand+66 TH
🇹🇱 Timor-Leste+670 TL
🇹🇬 Togo+228 TG
🇹🇰 Tokelau+690 TK
🇹🇴 Tonga+676 TO
🇹🇹 Trinidad and Tobago+1868 TT
🇹🇳 Tunisia+216 TN
🇹🇷 Turkey+90 TR
🇹🇲 Turkmenistan+993 TM
🇹🇨 Turks and Caicos+1649 TC
🇹🇻 Tuvalu+688 TV
🇺🇬 Uganda+256 UG
🇺🇦 Ukraine+380 UA
🇦🇪 United Arab Emirates+971 AE
🇬🇧 United Kingdom+44 GB
🇺🇸 United States+1 US
🇺🇾 Uruguay+598 UY
🇻🇮 U.S. Virgin Islands+1340 VI
🇺🇿 Uzbekistan+998 UZ
🇻🇺 Vanuatu+678 VU
🇻🇪 Venezuela+58 VE
🇻🇳 Vietnam+84 VN
🇼🇫 Wallis & Futuna+681 WF
🇪🇭 Western Sahara+212 EH
🇾🇪 Yemen+967 YE
🇿🇲 Zambia+260 ZM
🇿🇼 Zimbabwe+263 ZW
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Student Explore: UIN - IRDA/NL-HLT/RHI/P-T/V.I/71/2014-15

Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.

^^Number of Travellers Served till Dec'25

**Number of Claim Amount Paid as of Dec'25

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.

~The premium is calculated for a traveller who opts for a sum insured of $30,000 for 30 days, with no pre-existing disease.

1. The premium is calculated for a traveller who opts for a sum insured of $30,000 for US and Canada for 730 days, with no pre-existing disease.

2. The premium is calculated for an individual (12-17 years), with a coverage of unlimited sum insured for 730 days.

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    🇦🇫 Afghanistan+93 AF
    🇦🇱 Albania+355 AL
    🇩🇿 Algeria+213 DZ
    🇦🇸 American Samoa+1684 AS
    🇦🇩 Andorra+376 AD
    🇦🇴 Angola+244 AO
    🇦🇮 Anguilla+1264 AI
    🇦🇬 Antigua and Barbuda+1268 AG
    🇦🇷 Argentina+54 AR
    🇦🇲 Armenia+374 AM
    🇦🇼 Aruba+297 AW
    🇦🇺 Australia+61 AU
    🇦🇹 Austria+43 AT
    🇦🇿 Azerbaijan+994 AZ
    🇧🇸 Bahamas+1242 BS
    🇧🇭 Bahrain+973 BH
    🇧🇩 Bangladesh+880 BD
    🇧🇧 Barbados+1246 BB
    🇧🇾 Belarus+375 BY
    🇧🇪 Belgium+32 BE
    🇧🇿 Belize+501 BZ
    🇧🇯 Benin+229 BJ
    🇧🇲 Bermuda+1441 BM
    🇧🇹 Bhutan+975 BT
    🇧🇴 Bolivia+591 BO
    🇧🇦 Bosnia and Herzegovina+387 BA
    🇧🇼 Botswana+267 BW
    🇧🇷 Brazil+55 BR
    🇻🇬 British Virgin Islands+1284 VG
    🇧🇳 Brunei+673 BN
    🇧🇬 Bulgaria+359 BG
    🇧🇫 Burkina Faso+226 BF
    🇧🇮 Burundi+257 BI
    🇨🇻 Cabo Verde+238 CV
    🇰🇭 Cambodia+855 KH
    🇨🇲 Cameroon+237 CM
    🇨🇦 Canada+1 CA
    🇰🇾 Cayman Islands+1345 KY
    🇨🇫 Central African Republic+236 CF
    🇹🇩 Chad+235 TD
    🇨🇱 Chile+56 CL
    🇨🇳 China+86 CN
    🇨🇴 Colombia+57 CO
    🇰🇲 Comoros+269 KM
    🇨🇬 Congo+242 CG
    🇨🇰 Cook Islands+682 CK
    🇨🇷 Costa Rica+506 CR
    🇨🇮 Côte d'Ivoire+225 CI
    🇭🇷 Croatia+385 HR
    🇨🇺 Cuba+53 CU
    🇨🇼 Curaçao+599 CW
    🇨🇾 Cyprus+357 CY
    🇨🇿 Czech Republic (Czechia)+420 CZ
    🇩🇰 Denmark+45 DK
    🇩🇯 Djibouti+253 DJ
    🇩🇲 Dominica+1767 DM
    🇩🇴 Dominican Republic+1849 DO
    🇨🇩 DR Congo+243 CD
    🇪🇨 Ecuador+593 EC
    🇪🇬 Egypt+20 EG
    🇸🇻 El Salvador+503 SV
    🇬🇶 Equatorial Guinea+240 GQ
    🇪🇷 Eritrea+291 ER
    🇪🇪 Estonia+372 EE
    🇸🇿 Eswatini+268 SZ
    🇪🇹 Ethiopia+251 ET
    🇫🇴 Faeroe Islands+298 FO
    🇫🇰 Falkland Islands+500 FK
    🇫🇯 Fiji+679 FJ
    🇫🇮 Finland+358 FI
    🇫🇷 France+33 FR
    🇵🇫 French Polynesia+689 PF
    🇬🇦 Gabon+241 GA
    🇬🇲 Gambia+220 GM
    🇬🇪 Georgia+995 GE
    🇩🇪 Germany+49 DE
    🇬🇭 Ghana+233 GH
    🇬🇮 Gibraltar+350 GI
    🇬🇷 Greece+30 GR
    🇬🇱 Greenland+299 GL
    🇬🇩 Grenada+1473 GD
    🇬🇺 Guam+1671 GU
    🇬🇹 Guatemala+502 GT
    🇬🇳 Guinea+224 GN
    🇬🇼 Guinea-Bissau+245 GW
    🇬🇾 Guyana+592 GY
    🇭🇹 Haiti+509 HT
    🇻🇦 Holy See+379 VA
    🇭🇳 Honduras+504 HN
    🇭🇰 Hong Kong+852 HK
    🇭🇺 Hungary+36 HU
    🇮🇸 Iceland+354 IS
    🇮🇳 India+91 IN
    🇮🇩 Indonesia+62 ID
    🇮🇷 Iran+98 IR
    🇮🇶 Iraq+964 IQ
    🇮🇪 Ireland+353 IE
    🇮🇲 Isle of Man+44 IM
    🇮🇱 Israel+972 IL
    🇮🇹 Italy+39 IT
    🇯🇲 Jamaica+1876 JM
    🇯🇵 Japan+81 JP
    🇯🇴 Jordan+962 JO
    🇰🇿 Kazakhstan+7 KZ
    🇰🇪 Kenya+254 KE
    🇰🇮 Kiribati+686 KI
    🇰🇼 Kuwait+965 KW
    🇰🇬 Kyrgyzstan+996 KG
    🇱🇦 Laos+856 LA
    🇱🇻 Latvia+371 LV
    🇱🇧 Lebanon+961 LB
    🇱🇸 Lesotho+266 LS
    🇱🇷 Liberia+231 LR
    🇱🇾 Libya+218 LY
    🇱🇮 Liechtenstein+423 LI
    🇱🇹 Lithuania+370 LT
    🇱🇺 Luxembourg+352 LU
    🇲🇴 Macao+853 MO
    🇲🇬 Madagascar+261 MG
    🇲🇼 Malawi+265 MW
    🇲🇾 Malaysia+60 MY
    🇲🇻 Maldives+960 MV
    🇲🇱 Mali+223 ML
    🇲🇹 Malta+356 MT
    🇲🇭 Marshall Islands+692 MH
    🇲🇷 Mauritania+222 MR
    🇲🇺 Mauritius+230 MU
    🇾🇹 Mayotte+262 YT
    🇲🇽 Mexico+52 MX
    🇫🇲 Micronesia+691 FM
    🇲🇩 Moldova+373 MD
    🇲🇨 Monaco+377 MC
    🇲🇳 Mongolia+976 MN
    🇲🇪 Montenegro+382 ME
    🇲🇸 Montserrat+1664 MS
    🇲🇦 Morocco+212 MA
    🇲🇿 Mozambique+258 MZ
    🇲🇲 Myanmar+95 MM
    🇳🇦 Namibia+264 NA
    🇳🇷 Nauru+674 NR
    🇳🇵 Nepal+977 NP
    🇳🇱 Netherlands+31 NL
    🇳🇨 New Caledonia+687 NC
    🇳🇿 New Zealand+64 NZ
    🇳🇮 Nicaragua+505 NI
    🇳🇪 Niger+227 NE
    🇳🇬 Nigeria+234 NG
    🇳🇺 Niue+683 NU
    🇲🇵 Northern Mariana Islands+1670 MP
    🇰🇵 North Korea+850 KP
    🇲🇰 North Macedonia+389 MK
    🇳🇴 Norway+47 NO
    🇴🇲 Oman+968 OM
    🇵🇰 Pakistan+92 PK
    🇵🇼 Palau+680 PW
    🇵🇦 Panama+507 PA
    🇵🇬 Papua New Guinea+675 PG
    🇵🇾 Paraguay+595 PY
    🇵🇪 Peru+51 PE
    🇵🇭 Philippines+63 PH
    🇵🇱 Poland+48 PL
    🇵🇹 Portugal+351 PT
    🇵🇷 Puerto Rico+1939 PR
    🇶🇦 Qatar+974 QA
    🇷🇪 Réunion+262 RE
    🇷🇴 Romania+40 RO
    🇷🇺 Russia+7 RU
    🇷🇼 Rwanda+250 RW
    🇧🇱 Saint Barthelemy+590 BL
    🇸🇭 Saint Helena+290 SH
    🇰🇳 Saint Kitts & Nevis+1869 KN
    🇱🇨 Saint Lucia+1758 LC
    🇲🇫 Saint Martin+590 MF
    🇵🇲 Saint Pierre & Miquelon+508 PM
    🇼🇸 Samoa+685 WS
    🇸🇲 San Marino+378 SM
    🇸🇹 Sao Tome & Principe+239 ST
    🇸🇦 Saudi Arabia+966 SA
    🇸🇳 Senegal+221 SN
    🇷🇸 Serbia+381 RS
    🇸🇨 Seychelles+248 SC
    🇸🇱 Sierra Leone+232 SL
    🇸🇬 Singapore+65 SG
    🇸🇽 Sint Maarten+1721 SX
    🇸🇰 Slovakia+421 SK
    🇸🇮 Slovenia+386 SI
    🇸🇧 Solomon Islands+677 SB
    🇸🇴 Somalia+252 SO
    🇿🇦 South Africa+27 ZA
    🇰🇷 South Korea+82 KR
    🇸🇸 South Sudan+211 SS
    🇪🇸 Spain+34 ES
    🇱🇰 Sri Lanka+94 LK
    🇵🇸 State of Palestine+970 PS
    🇻🇨 St. Vincent & Grenadines+1784 VC
    🇸🇩 Sudan+249 SD
    🇸🇷 Suriname+597 SR
    🇸🇪 Sweden+46 SE
    🇨🇭 Switzerland+41 CH
    🇸🇾 Syria+963 SY
    🇹🇼 Taiwan+886 TW
    🇹🇯 Tajikistan+992 TJ
    🇹🇿 Tanzania+255 TZ
    🇹🇭 Thailand+66 TH
    🇹🇱 Timor-Leste+670 TL
    🇹🇬 Togo+228 TG
    🇹🇰 Tokelau+690 TK
    🇹🇴 Tonga+676 TO
    🇹🇹 Trinidad and Tobago+1868 TT
    🇹🇳 Tunisia+216 TN
    🇹🇷 Turkey+90 TR
    🇹🇲 Turkmenistan+993 TM
    🇹🇨 Turks and Caicos+1649 TC
    🇹🇻 Tuvalu+688 TV
    🇺🇬 Uganda+256 UG
    🇺🇦 Ukraine+380 UA
    🇦🇪 United Arab Emirates+971 AE
    🇬🇧 United Kingdom+44 GB
    🇺🇸 United States+1 US
    🇺🇾 Uruguay+598 UY
    🇻🇮 U.S. Virgin Islands+1340 VI
    🇺🇿 Uzbekistan+998 UZ
    🇻🇺 Vanuatu+678 VU
    🇻🇪 Venezuela+58 VE
    🇻🇳 Vietnam+84 VN
    🇼🇫 Wallis & Futuna+681 WF
    🇪🇭 Western Sahara+212 EH
    🇾🇪 Yemen+967 YE
    🇿🇲 Zambia+260 ZM
    🇿🇼 Zimbabwe+263 ZW
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