Student travel insurance makes studying abroad risk-free
To make studying abroad a risk-free experience, Thomas Cook India brings to you the Student Elite plan which is a customized insurance policy that provides comprehensive coverage to students traveling abroad.
Personal accident cover
student travel is covered. The insurer will also pay the insured sum specified in the schedule in addition to the insured sum in the personal accident section if insured students sustain accidental bodily injury, such as loss of vision or limbs, while traveling by a common carrier within 12 months of the date of the incident.
student travel insurance key benefits is the provision of paying for the bail in case of arrest of the insured. This means that if the student is arrested for breaking the law, the company will pay portions of the bail amount. This is only if the arrested student was not breaking the law with a criminal intent for over speeding in a vehicle.
The Student Travel Insurence Plan is a customized insurance policy for students travelling abroad.It covers your trip abroad as well as takes care of health related needs during your stay abroad. To make your travel risk free, choose from an array of Student Travel Insurance plans that offer protection for your travel, as well as coverage for other essential needs such as medical and hospitalization help.
Coverage of Medical Expenses
Tuition Fee
Accident to Sponsor
Family Visit
Personal Accident
24 hrs. Worldwide Emergency Assistance Service
Emergency Medical Evacuation
Repatriation of remains
Lost luggage
Personal Liability abroad
Bail Bond
Emergency Dental Pain Relief
Policy Features
Coverage of Medical Expenses: Student Elite takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.
Tuition Fee: Reimbursement of the tuition fee paid in advance for the current semester (maximum limit mentioned), if the insured discontinues school owing to medical conditions requiring hospitalization; or due to serious injury / death of either parent.
Accident to Sponsor: In case the sponsor named in the schedule meets with an accident resulting in death / permanent disability during the policy period, the company shall reimburse the remaining school fee subject to the maximum limit mentioned.
Family Visit: In case the insured is hospitalized due to accidental injury/sickness covered in the policy and the attending physician advises the necessary attendance of a family member, the Company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum sum Insured (Family means spouse, parent, sibling and in-laws of the insured).
Personal Accident: Student Guard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.
Additional Features
24 hrs. Worldwide Emergency Assistance Service
Back To Top
Student Elite
Silver
Gold
Platinum
Coverages
Benefits in US$
Benefits in US$
Benefits in US$
Medical Expenses,Evacuation and Repatriation
50,000
1,00,000
2,00,000
Emergency dental pain relief included in (I) above
500
500
500
Personal Accident
25,000
25,000
25,000
AD & D common carrier
2,500
2,500
2,500
Loss of Checked Baggage
Note: Per Baggage maximum 50 % and per item in the baggage maximum 10 %.
1000
1000
1000
Bail Bond Insurance
500
500
500
Tuition Fee
10,000
10,000
10,000
Accident to Sponsor
10,000
10,000
10,000
Family Visit
7,500
7,500
7,500
Personal Liability
1,00,000
1,00,000
1,00,000
Policy can be extended to cover the following on payment of 20% additional premium under all Student Elite Plans.
Treatment for mental and nervous disorders, including alcoholism and drug ependency.
Medical expenses incurred for sports injuries.
Exclusion
You are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments and complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc. For other exclusions please refer to the policy wordings.
The coverage, terms and exclusions have been outlined briefly; kindly refer the policy wordings for complete details
Requirements
Payment of the policy before the issuance of the same.
Recommendations
It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.
Back To Top
Student travel insurance makes studying abroad risk-free
A comprehensive cover against medical expenses as well as other expenses such as repatriation of remains, checked-in baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and more.
Coverage Details Coverage Amount Gold Plan
Gold Plus Plan
Medical Expenses*# (including Medical Evacuation)
US$ 50,000, US$ 100,000,
Dental Treatment*
US$ 250
Repatriation of Remains
Up to medical sum insured
Checked-in Baggage Loss
US$ 1,000
Passport Loss**
US$ 200
Personal Accident
Covered
US$ 25,000
US$ 25,000
Personal Liability
US$ 100,000
Bail Bond
US$ 5,000
Study Interruption
US$ 7,500
Sponsor Protection
US$ 10,000
Two-way Compassionate Visit
US$ 7,500
Treatment for Mental and Nervous Disorders
US$ 1,000
-
In-patient medical expenses related to pregnancy, subject to a waiting period of 10 months
US$ 500
-
Medical expenses for inter-collegiate sports injuries
Up to medical sum insured
-
Cancer Screening and Mammography Expenses
US$ 2,000
-
Childcare Benefits
US$ 100
-
* Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.
** Deductible of US$ 50 - Applicable for each separate claim.
# If not a pre-existing disease.
View Premium Table
Individual - Travel elite - single trip
Silver
Gold
Platinum
Coverages
Benefits in US$
Benefits in US$
Benefits in US$
Medical expenses evacuation and repatriation
2,00,000
2,00,000
2,00,000
Emergency dental pain relief included in (I) above
2,00,000
2,00,000
2,00,000
Personal accident
2,00,000
2,00,000
2,00,000
Medical expenses evacuation and repatria
2,00,000
2,00,000
2,00,000
Emergency dental pain relief included in (I) above
2,00,000
2,00,000
2,00,000
Personal accident
2,00,000
2,00,000
2,00,000
Product
Student Elite
Plan
Standard(US$50000)
Silver (US$ 1 lac)
Gold (US$ 2 lac)
Days Band
Excluding
Including
Excluding
Including
Excluding
Including
1-30
609
1264
762
1590
960
2059
31-60
1056
2225
1344
2823
1908
4008
61-90
1642
3443
1919
3809
2777
5700
91-120
1934
3951
2348
4403
3374
6772
121-180
2455
5147
2833
5960
4076
8579
181-240
3185
6660
3443
7732
5226
11345
241-270
3669
7710
4267
8804
6152
12869
271-366
5485
10114
6399
11513
9143
16480
