Student Travel Insurance

What is Not Covered in the Student Travel Insurance?

Travel insurance for students from Care Health Insurance comes with certain limitations. Hereby mentioned are a few conditions we do not cover under our student travel insurance:

• Conditions of National/ International war, nuclear perils, or consequences thereof.
• Expenses incurred due to use/ misuse/ abuse of drugs and alcohol.#
• Expenses incurred to treat the injuries caused by ionising radiation.
• Any intentional harm to self such as suicide attempts or self-injuries.#
• Claims incurred due to hazardous activities such as fire stunts that are not mentioned in the policy documents.#
• Expenses incurred due to the involvement of insured members in the breach of law.

#You can avail of the above exclusions by adding optional covers and paying a slightly higher premium.

How Does Student Travel Insurance Work?

International health coverage for students offers medical, non-medical, and trip-related coverage for individuals pursuing higher studies abroad. Below is a step-by-step guide on how the plan works.

• 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.
• Pay the premium: Once you assess the plan benefits and exclusion, you must pay a one-time premium. You can do this on the insurer’s website or through an agent by providing your personal details, policy duration, course details, etc.
• 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.
• 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.

Eligibility Criteria for Overseas Student Insurance

The eligibility criteria for the Student Travel Insurance from Care Health Insurance are as follows:

• The minimum entry age to buy the policy is 12 years.
• The maximum entry age for the student travel insurance extends to 40 years.
• Depending on the policy you buy, the sum insured can be between $50,000 / $1,00,000 / $3,00,000 / $5,00,000 / $10,00,000.
• The policy tenure can be between one month and twenty-four months, depending on your chosen option.
• The premium for insurance coverage is calculated based on trip duration, sum insured, destination, pre-existing disease (if any), and the insured's age.

How to File a Claim Under Student Travel Insurance?

To file a claim under Care Health Insurance’s Student Travel Insurance, you will have to inform your insurance agent regarding the claim. If a situation of non-intimation occurs, then the insurer from Care Health Insurance may invalidate the claim. The service provider details for various countries include:

How to Buy Student Travel Insurance Online?

Key Benefits of 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 the Student medical insurance plan from Care Health Insurance:

• You can get covered for a comprehensive list of travel, medical and non-medical expenses.
• You can also choose optional covers as per the mandatory university requirements.
• Student travel insurance allows students to choose their geographical scope of coverage.
• Other features like sponsor protection, bail bond, laptop/tablet, and accidental benefits are a few new-age benefits that come with the plan.
• The policy has no requirements for a pre-policy medical checkup.
• Extended coverage is available in the student’s home country.

Top Destinations that Require 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! But did you know that certain countries require medical insurance for students studying abroad? 

Read on to get the list of the destinations.

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 top universities in the country 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 expensive medical infrastructure and the possibility of financial liability, universities in the UK have mandated travel health insurance for students abroad.

If pursuing a career in the UK is your dream, you can aim for universities such as Oxford, Cambridge, 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 to pursue 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 scope for a bright career in universities such as Ludwig Maximilians University (LMU), Munich, University of Cologne, Goethe University, Frankfurt, Technische Universität, and Berlin. However, being in the Schengen region, one must have mandatory student travel insurance while applying for a student visa.

Tips to Save on Student Travel Insurance Premiums

Ensuring your study trip is possible even with budget constraints. All you have to do is select an insurer online, evaluate the coverage, and compare multiple plan options before finalising the best health insurance for students studying abroad. Mentioned below are a few tips that you must keep in mind.

Purchase the plan online: International student travel insurance allows you to finalise a plan by comparing multiple online options. Various insurers also offer exclusive online discounts, contributing to lower travel insurance premiums.

Analyse the risks: Plan ahead of your trip and look for any risks. If you want adventure activities, look for a plan that offers optimum coverage. However, if adventure activities are not part of your plan this time, choose a plan that excludes the coverage for adventure activities. This way, you will be able to eliminate the premium charged.

Consider your university requirements: Certain universities offer health coverage for international students as a pre-included feature. While student travel insurance can still ensure optimum coverage, selecting a plan that complements the university-offered coverage at an affordable premium is wise.

Opt for deductibles: Choosing the right deductible for your student travel insurance ensures that you share the expenses with your insurer. Therefore, the premium charged might also be less.

Student Travel Insurance for Exchange Programs and Study Abroad 

If you travel abroad for an exchange programme under a student visa, you can also secure your international trip with a comprehensive student travel insurance plan. The documents required to purchase the student travel insurance for an exchange program shall include the international university you are visiting, your tenure of stay, course details, etc.

The overseas student travel insurance from Care Health Insurance allows you to secure your educational venture through an all-encompassing insurance policy. Having a plan that can aid you in times of medical and non-medical travel-related emergencies makes it easier for you to study abroad. However, to buy the best health insurance for students studying abroad, you must compare student travel insurance from various insurance providers and read the policy documents carefully.

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.