Currently the video chat timings are 9:30am to 6:30pm from Monday to Saturday.
Call us now to secure insurance coverage. Timing: 9:00 a.m. to 07:00 p.m. everyday.
Chat with us on our WhatsApp number
Find quick answers to all your insurance queries from our self-help section.
Call us for any help with renewals or claims. Timing: 09:00 a.m. to 07:00 p.m. every day.
Join India’s leading general insurance company. Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday.
Get Quote
Your Quote Details
₹
Key Benefits:
Tax Excluded
Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians
Student Travel Insurance
Student travel insurance is crucial in safeguarding you from unexpected medical emergencies, trip cancellations, and personal liability. It ensures that you can focus on your studies without worrying about unforeseen expenses. By providing comprehensive coverage, student travel insurance offers peace of mind to both you and your family, allowing you to enjoy a seamless and secure overseas education experience.
Indian students are increasingly pursuing higher education abroad for more exposure and opportunities. As of 2023, the Bureau of Immigration Data indicates that approximately 1.33 lakh Indian students opted for higher studies overseas.
Living and studying in a foreign country comes with its set of risks. Therefore, investing in student travel insurance is a must. Data suggests that over 90% of Indian students abroad purchase international student travel insurance when studying abroad.
A student travel insurance plan is essential to safeguard yourself from unexpected and unforeseen events like loss of passport and luggage, etc.
Reliance General Insurance offers comprehensive Reliance student travel insurance plans to protect you throughout your educational journey overseas. Overseas student insurance provides extensive coverage in case of missed flights, trip cancellations, baggage loss, passport loss, medical expenses, study interruption cover, compassionate visit cover, sponsor loss, medical emergencies, flight delays, passport loss and more.
Buying student trip insurance from India is best as it costs less. For instance, if your postgraduate course costs ₹20 Lakhs or more, your overseas student travel insurance plan will be just 1-1.5% of the course fee.
Our student travel insurance plans stand out with a claim settlement ratio of 100%*, 3 crores customers, 24x7 assistance, a global network of hospitals, an easy online claims process and multiple product options.
As a student, you can continue your studies abroad knowing you are safe with your student travel insurance policy.
A student travel insurance plan is a specialised insurance policy designed to cover risks associated with studying abroad. It provides financial protection and assistance for students during their travels and academic stay overseas. It addresses a range of potential issues such as medical emergencies, trip cancellations, lost or delayed baggage, personal liability, and more.
Overseas student insurance typically includes coverage for unforeseen events that may disrupt a student's education or travel plans, offering satisfaction while studying away from home.
Student travel insurance works by providing financial coverage and support during unexpected events while you are studying abroad. Some such aids include medical emergencies or trip disruptions. It helps manage risks and costs, ensuring that you can focus on your studies and travel without undue stress.
Here are some of the key benefits of a student travel insurance cover:
Medical Cover: A student travel insurance plan provides financial help in medical contingencies, covering treatments, hospitalisation, and emergency evacuations.
Loss or Theft of Documents: It can be a tough time for you abroad if you lose your passport, visa, certificates, etc. Student travel insurance plans cover the loss or theft of important documents like visas and passports. It assists you in quickly reobtaining your passport or visa without a major financial strain.
Personal Liability: What a student travel insurance does for you if you are a student studying overseas, is more than you could ask for. The overseas student insurance plan offers you personal liability cover, i.e., it protects you from legal liabilities if you accidentally cause damage or injure a third party.
Study Interruption: If during your course semester, you fall ill or have a medical or family emergency, the student travel insurance plan’s extensive coverage covers costs associated with such disruptions.
Loss of Baggage: When you travel overseas, your luggage is the most important part of your travel as it contains everything you need. However, if you lose your baggage, your student travel insurance covers for your essential items, even if your bag goes missing temporarily.
Affordable Premiums: While your course fee at a foreign university exceeds lakhs of rupees, your student travel insurance premium is affordable. Costing approximately 1-1.5% of your course fee, it is a cost-effective way to manage unforeseen risks abroad.
Compassionate Visit: If you happen to fall sick and need hospitalisation, a family member can visit you and support you during your time of need. Your student insurance covers travel expenses for your family member for such a visit.
Sponsor Protection: If your sponsor suffers from a critical illness or has been injured in an accident, your student travel insurance plan offers financial assistance for your tuition fees as your sponsor is unable to do so.
A student travel insurance plan is essential as it protects you from all potential risks and uncertainties while studying abroad at foreign universities. Student travel insurance policy offers necessary financial backup for treatments, hospitalisations, doctor visits, and medical emergencies.
Without an overseas student insurance plan, covering these costs could potentially drain your savings as a student and bring unexpected financial stress to your family back home.
With overseas medical insurance for students, repatriation of mortal remains is included so that your family is not burdened with these costs.
Circumstantial problems like lost baggage and misplaced or lost documents are covered by overseas student insurance. You get compensation for lost items and expenses are reimbursed for obtaining new documents.
In short, student travel insurance coverage ensures you continue your stay and study overseas without any hurdles.
Overseas student insurance also covers journey disruptions like delays, trip cancellations, and interruptions arising due to unexpected circumstances.
It helps to reduce financial losses. With personal liability coverage, you get protection against legal liabilities if you accidentally cause any property damage or accidental injury.
Additionally, this type of insurance extends coverage for compassionate visits- bearing travel expenses of a family member in case of long hospitalisation and even sponsor protection. This ensures that the students can continue their studies despite all the roadblocks. However, you must have an overseas study checklist ready.
Reliance General Insurance offers four variations of student travel insurance plans with affordable premium options starting at ₹246*. The sum insured for our Reliance student travel insurance plans starts at USD 50,000 and go up to USD500,000 . Our plans can be purchased for up to 2 years, besides getting an extension of up to 30 days.
Our plans offer extensive coverage, safeguarding you medically and financially, thereby allowing you to focus on your education.
Here are the Reliance General Insurance student travel insurance plans:
Medical Expenses including Transportation, Evacuation and Repatriation of mortal remains
✘
50,000
100,000
250,000
500,000
Dental Treatment
✘
500
Loss of Passport
100
200
Total Loss of Checked-in Baggage*
1000
1000
Personal Accident
25,000
25,000
Accidental Death - Common Carrier
2,500
Personal Liability
150,000
Bail Bond
1,000
5,000
Study Interruption
10,000
Sponsor Protection
10,000
2-way Compassionate Visit
7,500
7,500
Reliance General Insurance Basic Plan
In this basic plan, loss of a passport is covered up to USD 100 for replacement or to obtain a new passport and the loss of total checked-in baggageis covered up to USD 1,000 for lost belongings. You get personal accident coverage up to USD 25,000 for accidental injuries.
Personal liability is covered up to USD 100,000 for third-party liabilities, and the bail bond is covered up to USD 1,000 for bail expenses. In case of study interruption, it provides coverage up to USD 10,000 for unexpected interruptions in studies due to illness or family emergencies.
Sponsor Protection coverage of up to USD 10,000 for sponsor-related issues like the death of the sponsor, critical illness or accident. A 2-way compassionate visit is covered up to USD 7,500 for family member visits in case of emergencies.
In this basic overseas student insurance plan, medical expenses, dental treatment, evacuation, transportation, and repatriation of mortal remains are not covered.
However, if you want coverage for accidental death via common carrier, you must explore Reliance General Insurance’s student travel insurance Standard Plan.
Reliance General Insurance Standard Plan
The standard plan offers medical expense coverage up to USD 50,000 for treatments and hospitalisation, and dental emergency coverage up to USD 500.
It provides up to USD 100 for replacing or issuing a new passport if lost, and up to USD 1,000 for lost belongings in case of total checked-in baggage loss.
For personal accident cover, the plan offers up to USD 25,000 for accidental injuries and up to USD 2,500 for accidental death during air travel with a common carrier.
Personal liability is covered up to USD 100,000 for third-party liabilities, and bail bond expenses are covered up to USD 500.
In case of unexpected interruptions in studies due to illness or family emergencies, up to USD 10,000 is provided for study interruption. Sponsor protection is also included, with coverage up to USD 10,000 for issues like the death, critical illness, or accident of the sponsor.
A 2-way compassionate visit is covered up to USD 7,500 for family member visits in case of emergencies.
Reliance General Insurance Silver Plan
This plan offers medical expense coverage up to USD 100,000 for treatments and hospitalisation, and dental emergency treatments are covered up to USD 500.
For passport replacement or issuance, the policy covers up to USD 100, and for total checked-in baggage loss, up to USD 1,000 is provided.
Personal accident cover offers up to USD 25,000 for accidental injuries. In the case of accidental death via common carrier, your family will receive up to USD 2,500 for death during air travel.
Personal liability is covered up to USD 100,000 for third-party liabilities, and bail bond expenses are covered up to USD 5,000.
Study interruption coverage is up to USD 10,000 for unexpected interruptions in studies due to illness or family emergencies. Sponsor protection is provided up to USD 10,000 for sponsor-related issues like death, critical illness, or accident.
In case of medical emergencies, up to USD 7,500 for a family member is covered for 2-way compassionate visit.
Reliance General Insurance Gold Plan
In the student insurance gold plan variant, medical expenses up to USD 250,000 for medical treatments, hospitalisation, and more are covered. Dental treatment is covered up to USD 500 for dental emergencies.
Loss of a passport is covered up to USD 200 for replacement or to obtain a new passport. For loss of total checked-in baggage, coverage of up to USD 1,000 is provided.
For personal accident cover, you get coverage up to USD 25,000 for accidental injuries. In case of accidental death via common carrier, your family will get up to USD 2,500 for death during air travel.
Personal liability is covered by up to USD 150,000 for third-party liabilities. Bail Bond is covered up to USD 5,000 for bail expenses. Study Interruption is covered by up to USD 10,000 for unexpected interruptions in studies due to illness or family emergencies.
Sponsor protection is covered up to USD 10,000 for sponsor-related issues like the death of the sponsor, critical illness or accident.
If there is a medical emergency, a family member can visit and stay with you. This is known as a 2-way Compassionate visit and is covered up to USD 7,500.
Reliance General Insurance Platinum Plan
In the platinum plan variant, dental treatment is covered up to USD 500 for dental emergencies.
Students get medical expenses coverage of up to USD 500,000 for treatments, hospitalisation and more.
Replacement or issuance of a new passport is covered up to USD 200 in case of loss. For total checked-in baggage loss, the policy covers up to USD 1,000 for lost belongings.
Coverage up to USD 25,000 for accidental injuries is covered under personal accident cover.
In case of accidental death via common carrier, your family will receive up to USD 2,500 for death during air travel.
Personal liability coverage is up to USD 150,000 for third-party liabilities, besides bail bond expenses up to USD 5,000 is covered.
Study interruption is covered up to USD 10,000 for unexpected disruptions in studies due to illness or family emergencies.
Sponsor protection provides up to USD 10,000 for sponsor-related issues such as death, critical illness, or accident.
A family member gets a 2-way compassionate visit coverage of up to USD 7,500 in case of emergencies.
When you explore student travel insurance plans, you must consider various features of student travel insurance that you should not compromise with. As the prospect of travelling overseas is exciting and unsettling at the same time, your student trip insurance should offer extensive coverage.
Here are the key features of international student travel Insurance by Reliance General Insurance:
Extensive Coverage: Reliance General Insurance offers up to USD 500,000 for medical expenses incurred for hospitalisations, treatments for injuries, surgeries, illnesses, emergencies, etc. It also covers emergency dental treatment up to USD 500.
Lost Passport and Baggage Cover: For loss of passport, you get up to USD 200 for replacement or re-issuance of the passport. For lost checked-in baggage, you are covered up to USD 1,000 for the belongings that are missing.
Personal Liability, Accidental Death and More: There is coverage for personal accidents cover of up to USD 25,000. In case of accidental death, while travelling through a common carrier, your family gets up to USD 2,500.
Third-Party Damage and Bail Bond Cover: If you get involved in legal hassles or accidentally cause third-party property damage (damage caused to someone else’s property), your overseas student insurance covers you up to USD 150,000. You also get a bail bond of up to USD 5,000.
Cover for Study Interruptions: If there are interruptions in your study due to illness or travelling back home due to a family emergency, you are covered for USD 10,000. If your sponsor falls critically ill or has been injured in an accident, and is unable to cover your tuition fees, you get coverage of up to USD 10,000. This ensures your financial support remains stable and allowing you to continue your studies without any financial burden.
Compassionate Visit Cover: If you fall ill and a family member needs to visit you due to a long period of hospitalisation, their 2-way travel and other expenses are covered for up to USD 7,500.
Add-on Benefit: You can opt for add-on benefits like:
Mental health and nervous disorder treatment. The coverage is up to USD 1,000.
For pregnancy or childbirth, you get up to USD 500 coverage and childcare benefits of up to USD 100/day.
For any injuries caused during college sports activities, you are covered up to USD 500.
You get cancer screening coverage of up to USD 2,500.
Additional Add-ons: You get the following:
Chiropractic Treatment: Up to USD 1,000.
Physiotherapy: Up to USD 500.
Skilled Nurse Facility: Up to USD 500.
Reliance General Insurance’s international student travel insurance offers many benefits for students going overseas to pursue higher studies. As Reliance student travel insurance plans offer comprehensive coverage, they make an excellent choice as overseas student insurance, protecting you from all risks.
Here are some of the key benefits of Reliance General Insurance’s student travel insurance:
Four Plan Variants with Comprehensive Benefits: You can choose any one of the four variants of student travel insurance plans, each designed to meet your specific needs with coverage for medical emergencies, passport loss or theft, baggage loss, bail bond, study interruption and more.
Pre-existing Diseases Cover: With your student trip insurance, you can get emergency treatment for life-threatening conditions resulting from comorbidities such as diabetes. However, you need to disclose all the pre-existing health conditions beforehand at the time of purchasing the policy.
Extending Policy Period: You can get a 30-day extension if the overseas student insurance policy expires while you are still in the hospital or are under treatment. For airline delays, a 7-day extension is applied automatically.
24x7 Support: Choosing Reliance General Insurance’s overseas student travel insurance means you get 24x7 support and assistance. The claims team and customer support team are just a call away.
Get Add-on Benefits: Based on your health requirements, you can add extra benefits in the form of add-on benefits like mental health treatment coverage, childcare benefits and sports injury coverage. These add-ons are available under the Standard, Silver, Gold and Platinum plans.
Additional Add-on Benefits: You can get additional add-on benefits like physiotherapy, chiropractic therapy, skilled nurse facility as well. However, these additional add-on benefits are applicable on a case-to-case basis and subject to specific approval.
While Reliance Student Travel Insurance does offer extensive student coverage, you must know what all are covered in your overseas student travel insurance policy.
Key coverages under Reliance General Insurance’s international student travel insurance:
Physical Injury Due to Accident: You are financially protected in case you meet with an accident or sustain an injury. The student insurance plan coverage ensures that all accident-related medical expenses are covered and there is no financial stress on you.
Acute Anaesthetic Treatment of Teeth: You are covered for any emergency dental treatment required due to an injury such as broken teeth, implant, etc. This helps you manage the cost of urgent dental care which is generally very expensive overseas.
Emergency Evacuation: If an untoward health situation arises, the overseas student travel insurance covers expenses for medical evacuation to India.
You will get a prompt and safe passage back home to continue your medical treatment.
Total Loss of Checked-in Baggage: The student travel insurance policy will reimburse you for the total loss of the checked-in baggage by any common carrier. You can replace your belongings, especially the essential items easily.
Lost or Stolen Passport: If you lose your passport or it gets stolen, or damaged, your student insurance covers the cost of obtaining a new one or getting a duplicate passport. The coverage helps you quickly replace your passport without disrupting your plans.
Accidental Death or Disability via Common Carrier: Your student travel insurance offers compensation for death or permanent disability caused due to an accident while travelling as a passenger in a common airline carrier. You or your family members will get financial support in the event of serious accidents.
Family Member Visit: If you fall sick and need to be hospitalised for more than 7 days, a family member’s return ticket expense will be reimbursed. This ensures that your family can be with you in your time of need.
Mortal Remains Transport: In an unfortunate situation like a sudden demise, the student travel insurance covers transportation expenses of the insured’s mortal remain back to their home for burial or cremation.
This helps to ease the burden on the family and also provides dignity to the dead.
Bail Bond: If you are arrested or detained by the police for a bailable offence in a foreign country, you will get coverage for the bail amount.
You get financial assistance to handle legal issues, ensuring swift release from detention.
Sponsor Protection: If your sponsor gets critically ill or passes away due to an injury, your tuition fees are reimbursed. This helps you to continue your education without any monetary trouble.
Medical Contingency Expenses: If you suddenly fall ill, injure yourself or in case of death, all emergency medical expenses are covered. You get financial backing against unexpected medical treatments.
Education Interruption: If you have a medical condition, your semester fees will be reimbursed if you have to interrupt your studies to concentrate on your health.
This helps to reduce the financial impact due to interruption in your studies.
Read the policy wordings of your insurance plan for details.
Before investing in the Reliance student travel insurance plan, you must completely know and understand the exclusions. In an international student travel insurance plan, eliminations outline specific conditions and situations that are not covered.
So, before you buy your overseas student travel insurance plan, carefully read the exclusions section to avoid any unhappy surprises later.
Adventure Sports Injuries: If you are an adventure sports enthusiast and participate in high-risk adventure sports like skiing, scuba diving, bungee jumping, sky diving, etc. the chances of injuries are higher. The injuries you sustain during these activities, will not be covered by your insurance plan. You need additional coverage for such activities which will add to the cost.
Pre-existing Medical Conditions: If you have health conditions like diabetes or other comorbidities before you purchase your policy, these may not be covered unless you disclose them. You need to check thoroughly to know if your specific condition is covered or excluded.
Suicide or Self-inflicted Injuries: Injuries or death as a result of self-harm or suicidal attempts are not covered in your student insurance policy. As these are excluded, no financial support is offered for medical expenses.
Drug and Alcohol Abuse: If the insured was under the influence of drugs or alcohol, claims arising from such incidents are not covered and will not be settled. You will get no reimbursement for medical or legal issues that result from substance abuse.
Engaging in Illegal Activities: Injuries or losses due to participation in illegal activities are excluded from coverage.
Terrorism or War: Claims due to acts of war, civil unrest or terrorism are not covered. If you are a student in a conflict zone overseas, you need specialised coverage.
Maternity and Childbirth: Routine check-ups for maternity health and childbirth are not covered but in cases of complications, it may be covered. You will have to check your policy to know more about this clause. Mothers who are expecting should confirm all health-related details before travel.
Mental Health and Nervous Disorders: If you have not disclosed any mental health disorder or nervous disorder, it will not be covered. If you need such treatment included, you will need specific coverage for psychological treatments.
Cosmetic Enhancement: Elective cosmetic surgeries or treatments are not covered in the plan. Only medical procedures included in the plan are eligible for claims.
Hazardous Work: Any injuries sustained due to managing hazardous materials as part of your work are not covered.
If you are planning to study abroad, you need to protect yourself against uncertainties, health risks and more. The best way to do it is to purchase a travel insurance policy. Here are some key situations when an overseas student travel insurance policy is required:
Coverage on Travel: Everything seems perfect on paper but your travel plans don’t necessarily factor in flight delays, flight cancellations, or lost or delayed baggage. This can disrupt your travel plans. This is why you need to purchase a travel insurance policy.With your student travel insurance plan, you get compensated for additional expenditures due to travel delays, loss of baggage, etc. for a smoother travel experience.
24x7 Healthcare Assistance: Illness doesn’t announce itself. With a student travel insurance plan, you get 24x7 medical assistance, access to emergency medical services and doctor consultations whenever needed.
Medical Coverage: Medical expenses are usually exorbitant overseas and even higher if you don’t have health insurance. Therefore, your student travel insurance plan is important to safeguard you against medical emergencies. Your student travel insurance policy covers medical expenses like hospitalisation, surgeries, treatment for critical illness, injuries, etc.
In short, student travel insurance is essential and a must-have.
There are two simple ways to claim student travel insurance. It can be a cashless student travel insurance claim or you can get a reimbursement on your student travel insurance plan.
International toll-free numbers for overseas student insurance
Here are the international numbers to request claims:
Netherlands
00+800-99441111
Thailand
001+800-99441111
Belgium
Sweden
Italy
Austria
Norway
Czech Republic
Poland
Denmark
New Zealand
France
Singapore
00+1800-99441111
Greece
86002038017 (ITFS)
Portugal
Hungary
Australia
0011+800-99441111
Israel
00 or 014+800-99441111
United Kingdom
Germany
Malaysia
South Africa
Japan
001-010+800-99441111
Spain
China
Switzerland
Hong Kong
001 or 006+800-99441111
USA
18337426673 (ITFS)
Taiwan
Canada
011+800-9944 1111
Argentina
Philippines
Reimbursement Claim: If your claim is not a cashless one, you need to submit a claim form with all the details and required documents to the address mentioned below:
Reliance General Insurance,Claims Department, C/O Europ Assistance India Pvt. Ltd.,C-301, Business Square, Andheri Kurla Road, Chakala,Andheri (E), Mumbai - 400093, India
Affordable student travel insurance premiums are generally at the top of the list when students are considering their insurance plans.
Here are some effective ways in which you can get your student travel insurance premium at a low cost:
Buy Student Travel Insurance Online: Buy your student travel insurance online as it is easy. You can compare the different plans offered and the coverage, you can even compare different insurers
Choose the Plan That Suits Your Needs: Choose the overseas student insurance plan that suits you. Most importantly, when you purchase student travel insurance online, you can get discounts* and special offers.
Opt for Higher Deductible: Opt for a higher deductible for your student travel insurance plan. This will help you lower your student travel insurance premium.
Choose a Higher Health Cover: When you choose higher health coverage, you can reduce long-term student travel insurance premium expenses. With comprehensive coverage, the out-of-pocket expenses are minimised.
Compare Plans: You can find the most cost-effective options when comparing various student travel insurance online. This will help you make the right choice by comparing all features.
Check Promotions and Offers: A good time to buy student travel insurance is when promotions and offers are applicable. Avail of such benefits and buy your student travel insurance plan to get a favourable deal with a lower premium.
Tailor Your Plan: You need to know your specific requirements for your student travel insurance. Customise your plan accordingly to avoid unnecessary add-ons that can increase your premium amount.
There are many travel insurance plans available today. When you plan to purchase a student health insurance or a student travel insurance plan, you must consider several important factors to get the desired protection.
Here are the key factors to consider when buying a student travel insurance plan:
Eligibility:Your age and enrolment criteria should meet the eligibility criteria specified by Reliance General Insurance. A student travel insurance plan is designed for full-time students studying in recognised universities abroad.
Student Health Insurance:Your student travel insurance plan should cover medical expenses incurred due to illnesses, injuries, etc. This will protect you against unexpected health issues and financial strain.
Premium Waiver: You need to check if your overseas student insurance plan by Reliance General Insurance includes a premium waiver feature. This would be beneficial when you lack finances and are unable to pay the premium.
Compare Plans:You need to explore and compare different student trip insurance plans available. Check the ones with comprehensive coverage at affordable rates. Reliance General Insurance offers competitive premiums starting at ₹246*.
Coverage Details: Check if your plan covers trip cancellations, personal liability, lost baggage and more. This will safeguard you from additional expenses in difficult times. Ensure you make the right choice when selecting a student travel insurance plan.
Claim Settlement Ratio:Reliance General Insurance boasts a high claim settlement ratio. With a 100%* claim settlement rate, Reliance General Insurance is both reliable and credible in processing your claims.
24x7 Assistance:Reliance General Insurance provides you with 24x7 assistance for emergencies. You can call the customer care service number provided to you for your location for immediate assistance.
Indian students opt for higher studies in top universities abroad as they present many opportunities like quality of education, job opportunities and immigration prospects.
Here are the top five study destinations:
United States of America (USA):Known for its prestigious and world-renowned universities and educational programs, USA offers Indian students a wide range of opportunities in business, arts, technology and more. Institutions like Harvard, MIT, Stanford, and the University of California, Los Angeles are popular choices for students.
United Kingdom (UK):Known for historic universities like Oxford and Cambridge, the UK offers high-quality education and research opportunities. It is popular among students in business, engineering and humanities.
Australia:The land down under aka Australia is famous for the University of Melbourne and the Australian National University. It attracts students for its excellent education system and vibrant campus life. It's particularly popular for studies in environmental science, engineering, and business.
Canada:Canada offers a multicultural environment to Indian students. It is also home to top universities like the University of Toronto, McGill, and more. It is popular for courses in healthcare, management and technology.
Germany:Germany is known for its robust technical programs and engineering courses. Germany offers education at minimal costs or no tuition fees. Universities like Heidelberg University, and TU Munich are top choices for students planning to study engineering, automotive, and manufacturing studies.
Many universities abroad insist on students purchasing a student travel insurance policy before they enrol for their courses as it safeguards students against medical emergencies, trip delays, flight cancellations, losses etc.
Here's a list of countries that require student travel insurance:
The United States of America: Travel insurance is mandatory for all international students.
Canada:You need to have student travel insurance for health coverage.
Germany:It is mandatory to have student trip insurance for approval of visa and university admissions.
Australia:Travel insurance or overseas student health cover (OSHC) is compulsory for all international students.
France:Students must have travel insurance coverage for medical care and emergencies.
Disclaimer:
*T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned here are for Reliance Travel Care Policy: Student Plan. UIN: RELTIOP08002V010708.Premium: The premium mentioned is excluding taxes for a Basic Student Plan for an individual aged 20 years on a trip of 30 days. This is applicable for geographical regions excluding USA and Canada only.Total Loss of Checked Baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable Sum Insured and per item in baggage max 10%. Note that the Reliance Basic plan is for students going to certain Universities where the demand is that the medical cover shall only be taken locally. The sum insured mentioned against each coverage is the maximum limit up to which the benefit under that section becomes payable.Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Individual – Platinum Plan.Total loss of checked baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable sum insured and per item in baggage maximum 10%.Claim settlement ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Travel Insurance | International Travel Insurance | Student Travel Insurance | Senior Citizen Travel Insurance| Annual Multi-Trip Insurance
USA Travel Insurance | Thailand Travel Insurance | Dubai Travel Insurance | Canada Travel Insurance | Schengen Travel Insurance | Singapore Travel Insurance | Vietnam Travel Insurance | Travel Insurance United Kingdom | Bali Travel Insurance | Australia Travel Insurance | Malaysia Travel Insurance
It is a travel insurance policy tailored specifically for students studying in a foreign university for academic courses.
Student travel insurance is a travel policy that can be availed by a person who intends to pursue academic studies abroad.
It is advisable to buy a student travel insurance if you plan to stay abroad for a certain time period to pursue education. You’ll need to buy a student travel insurance before you leave the country to pursue your education.
A student travel plan offers great benefits and security for a student. When studying abroad, there a number of risks that a student is prone to. This policy offers coverage for medical treatments, accidental injuries, theft, and passport and baggage loss, legal prosecution amongst many. Such benefits ensure that a student secures total peace of mind in a foreign country.
16 to 35 years
Yes
This depends on the University you have chosen for education. Whilst all university accepts our travel insurance policy some Universities have mandate to opt the policy offered by them.
Deductible means a cost-sharing requirement under this travel insurance policy that provides that the insurer will not be liable for a specified monetary amount or for a specified number of days / hours which will apply before any benefit are payable by Insurer. A deductible does not reduce the Sum Insured. A deductible is important as it makes you a co-owner of the policy, by taking up a certain portion of the loss himself / herself.
No, every individual is to be issued only one travel insurance policy during his/her journey.
EASP means any organization or institution appointed by the Company for providing services to the Insured / Insured person for claim under insurable event.
This question should be addressed in the Claims tab and should be replied by Claims team.
Zero paperwork
Yes it can be refunded subject to policy copy, letter from student requesting cancellation and refund will be effective date of request and claim confirmation.
For policy cancellation, the student should provide the policy copy details, a letter/mail giving the reason for cancellation and/or a passport copy to prove non-travel or visa rejection copy/cancelled ticket copy if such is the reason (cancellation charges are applicable).
If cancellation is done before risk start date full refund less cancellation charges will be provided. If it is after risk start date and due to non travel, with subsequent proof of non travel, full refund less cancellation charges will be provided. However post risk start date, the customer is cancelling the policy post travel or University denying our policy or due to early return based on utilised premium, remaining premium less cancellation charges will be provided.
730 days
The travel insurance policy covers will compensate you for any unfortunate outcomes/ losses of an accident that takes place during your travel. This compensation is different for various losses and is limited to the sum insured as mentioned in the plan. For e.g. in a case where the insured loses his arm, the compensation will be 70% of the sum insured.
Yes, with Reliance Travel Insurance you can! If your holiday is extended for any reason, we recommend that you extend your student insurance policy. It always better to be safe than sorry! Download and fill the Extension Form and visit the nearest branch.
Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling.
Any basic travel insurance policy will cover you for:
Apart from these, you can opt for covers like:
Medical expenses for Intercollegiate Sports injuries are covered under Medical expenses including Transportation and Repatriation Benefit subject to Add-on benefits opted and premium paid.
Yes, it does. We will reimburse your dental expenses for any acute anesthetic treatment of teeth due to an Injury.
In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.
However, the policy will not cover you if your passport:
No, this policy helps when the checked in baggage is totally lost.
The loss of handbag is not covered. Your policy pays or reimburses only for a Total loss of checked-in baggage accepted by a common carrier by which you would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.
This particular insurance policy will compensate you for any unfortunate outcomes / losses or any accidents that may happen when you travel. This compensation is different for various losses and is limited to the ‘sum insured’ as mentioned in the plan.
As long as you are travelling by "Common Carrier" means any scheduled commercial airline or ship or vessel operating under a license from the relevant authority for the transportation of passengers for hire you stay covered.
Your travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.
Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner.
Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's or the child's life in the event of acute complications, provided that the Insured/Insured Person has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.
If any illness / injury during the period abroad necessitates curative treatment beyond duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.
In such a case, if the death or disablement occurs within 12 months from the date of the policy start, the company will process the claim as per terms and conditions of the policy in favour of beneficiary / nominee mentioned in the policy.
A student travel insurance policy covers you for a specific period depending on your choice. If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. In case your examination is delayed and this causes an unanticipated extension beyond the specified period, you can always extend your policy.
If you opt for the ‘Study Interruption’ cover, it provides you compensation in case:
With Reliance General Insurance you can now choose between 5 payment options as mentioned below to pay your premium:
You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, amount of premium you want to pay and the amount and type of risks you want to be covered for.
This depends on the plan, age, geographical coverage and the no of days primary policy opted and the extension no of days sought.
Although we do not have specific time frame we would certainly like the travel insurance claim to be intimated as soon as possible, for better assistance.
Cashless facility is provided for inpatient hospitalisation, for which the insured needs to intimate the claim as soon as possible so that we can process the cashless procedure. However, the Insured can always choose to self-pay and come for reimbursement if he/she wishes. For OPD visits and consultations - as the expenses are less, the insured can claim under reimbursement.
The original ticket/boarding pass or a copy of the passport indicating the travel dates i.e. visa with entry and exit stamp plus the original bills and vouchers must be submitted along with the completed claim form for all claims.
Any other document(s) that we require from you to process the claim may be asked for. If we or the Service Provider request that bills/vouchers in a foreign language be accompanied by an appropriate translation, then the same will be borne by the claimant.
For medical claims - Medical Practitioner's Consultation notes, original admission/discharge card, original Bills/receipts with prescriptions and diagnostic/investigative reports along with mandatory documents such as claim form, copy of passport/visa with entry and exit stamp and copy of the ticket and boarding pass.
Yes, Europ Assistance has a global presence in all the major countries. Post approval of the claim Europ Assistance can place a guarantee to the Hospital/providers and make the cashless claim.
Further, under Cashless Services, if the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be, will guarantee to the Hospital/other providers the costs of hospitalisation, transportation for emergency services, and transportation home of the Insured. All costs will be directly settled by Emergency Assistance Service Provider on the Company's behalf and the same shall constitute due discharge of the Company's obligations.
Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
No such pre-approval is require before hospital admission in case of any medical emergency. Registration of claim is required to avail benefits under the policy. Please call the given numbers to register your claim and confirm your coverage under the policy as soon as possible upon hospitalization, intimation can be done even by sending an email or making a call to our 24x7 emergency assistance partner on provided email address or toll free numbers. Please refer policy schedule for contact details.
Deductible is a cost-sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified amount in case of indemnity policies and for a specified number of days/ hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured.
No, There is no specific list of hospitals or network list which we provide, Registration of claim is required to avail benefits under the policy.
There is a limit for indeminity for person aged specified years old and above you can refer the Policy schedule and Benefit table to know the maximum Sum insured against Medical Benefit for a particular age group.
You shall immediately contact the Help line (Alarm Centre) of the Service Provider as mentioned in the Schedule. You need to contact the Help Line number while abroad as soon as possible and provide Notification of claim in case You are/will be filing any claim, even if assistance is not required. We will not be liable to pay any claim that has not been informed by you while abroad to the Help Line Number on return back to India. The Service Provider Help Line Number will verify the identity of the caller and assist you further with the claim procedure. In the event of an accident or sudden illness where it is not possible to do so before consulting a Medical Practitioner or going to the Hospital, You shall contact the Help Line Number as soon as possible. In either case, when being admitted as a patient, you shall show the concerned Medical Practitioner or personnel this Policy, if requested.
Given below is a list of contact numbers for each country:
In case there is no toll-free number for the country you are calling from, you may please call us on our India Landline number +91 22 67347844 (Paid). This number is accessible 24/7 all year long). You may also ask for a call back on this number and we will immediately call you back on your preferred number as provided during the call request.
The national toll-free number for your relatives in India is +91 22 48903009. Alternatively, you may also write to us at reliance@europ-assistance.in.
1. The Company shall pay or reimburse the Insured/Insured Person for the delay in transportation of checked-in baggage during a trip. Cover is limited to the travel destinations specified in the main travel ticket from India and return trip to India. All halts and via destinations included in this main travel ticket will be considered for payment under this benefit. The compensation will not exceed the Sum Insured as specified in the Schedule.
The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule.
Special Conditions:
The delay of checked-in baggage is more than 12 hours from the actual arrival time of the common carrier at the destination and relates to delivery of baggage that has been checked in by the common carrier.
Insured / Insured Person provides the Company with written proof of delay from the common carrier.
Insured / Insured Person provides the Company with the receipts for the necessary emergency purchases of toiletries, medication and clothing that he/she needed to buy.
Note: In the event that claim(s) is submitted for total loss of checked-in baggage as well as temporary delay of checked-in baggage, the higher of the claim(s) shall be payable by the Company in respect of the same item(s) of checked-in baggage during any one period of insurance.
2. In the event that the Company makes any payment or reimbursement under this benefit, it is a condition of such payment that any recovery from any common carrier by the Insured / Insured Person, or on behalf of the Insured / Insured Person, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air, 1929 ("Warsaw Convention") shall become the property of the Company.
The Company shall compensate the Insured/Insured Person for the total loss of checked-in baggage on a trip. The cover is limited to the travel destinations specified in the main travel ticket from the Republic of India and the return trip to India. All halts and via destinations included in this main travel ticket will be covered under this benefit. The compensation will be limited to the Sum Insured as specified in the Schedule.
The deductible in respect of this benefit will be applicable for each separate claim and shall be of an amount as specified in the Schedule.
Special Conditions:
1. The Company will compensate the Insured/Insured Person for the market value of checked-in baggage in the event of total and complete loss of such checked-in baggage caused by a common carrier up to the limits as specified in the Schedule provided that:
Maximum amount payable per checked-in baggage, in case more than one bag has been checked-in, is 50 % of the applicable Sum Insured. In case of only one bag being checked-in, the amount payable is 100% of the applicable Sum Insured.
Insured has provided all reports, documents and other details concerning the loss to the Emergency Assistance Service Provider. For the purposes of this benefit, "market value" is the sum required to purchase new items of the same kind and quality less an amount representing wear and tear, usage, etc. at the time of loss.
2. In the event that the Company makes any payment under this benefit, it is a condition of such payment that any recovery from any common carrier by the Insured / Insured Person, or on behalf of the Insured/ Insured Person, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air, 1929 ("Warsaw Convention") shall become the property of the Company.
3. The amount payable in respect of any one article, pair or set is limited to the amount as specified in the Schedule.
4. In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be obtained from the airline immediately upon discovery of the loss which must be submitted to the Emergency Assistance Service Provider.
5. No partial loss or damage shall become payable. However, total loss or damage of individual unit(s) of baggage shall not be construed as falling within this Special Condition.
The Company shall compensate the Insured / Insured Person if a trip is canceled or interrupted due to any of the following reasons:
1. Unforeseen illness, injury, or death of the Insured / Insured Person's family member. Injury or illness must be so disabling as to reasonably cause a trip to be canceled or interrupted;
2. Termination of employment or layoff affecting the Insured / Insured Person or the Traveling Companion of the Insured, provided that the Insured / Insured Person or the Traveling Companion, as the case may be, have been employed with the employer for at least three continuous years;
3. Inclement weather conditions causing cancellation of the trip;
4. The place intended to be occupied by the Insured / Insured Person for purposes of Insured / Insured Person's stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster;
5. The Insured / Insured Person being abducted or quarantined;
6. The Insured / Insured Person or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, provided that the Insured / Insured Person (including any member of their family) or the Traveling Companion (including any member of travelling companion's family) is/are not principal or accessory in such felonious assault.
7. A terrorist incident in a City/destination listed on the Insured/Insured Person's itinerary within 30 days of the Insured / Insured Person's scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace. Trip Cancellation Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that are canceled before the scheduled departure date due to the reasons mentioned above. The Company will reimburse for the forfeited, nonrefundable prepaid payments, made prior to the Insured / Insured Person's departure date. Trip Interruption Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that have been interrupted, due to the reasons mentioned above. The Company will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured / Insured Person's departure date and additional transportation expenses incurred by the Insured / Insured Person, either to
1. Return to the Republic of India; or
2. From the place that the Insured / Insured Person left the trip to the place that the Insured / Insured Person may rejoin the trip;
3. Additional transportation expenses incurred by the Insured/ Insured Person to reach the original trip destination if the Insured / Insured Person is delayed, and leaves after the trip departure date. However, the benefit payable under (2) and (3) will not exceed the cost of economy airfare by the most direct route, less any refunds paid or payable.
If any illness/injury during the period abroad necessitates curative treatment beyond the duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible.
The original ticket/ boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claim form. The original bills and vouchers must be submitted along with all claims.
Any other document(s) that we require from you to process the claim may be asked for. If we or the Service Provider request that bills/vouchers in a foreign language be accompanied by an appropriate translation, then the same will be borne by you. Medical Practitioner's Consultation notes, original admission/discharge card, original bills/receipts with prescriptions and diagnostic/investigative reports, copy of passport/visa with entry and exit stamp and copy of the ticket and boarding pass.
The sum insured is the maximum amount the insurance company will pay, this amount is mentioned in your policy schedule against each benefit.
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured/Insured Person for:
1. Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.
2. Any pre-existing disease.
3. Treatment which could reasonably be delayed until the Insured/Insured Person's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating Physician and the Emergency Assistance Service Provider.
4. Treatment of orthopaedic, degenerative, oncological diseases, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute pain in any case excluding chemotherapy or radiotherapy expenses.
5. Charges in excess of reasonable and customary charges incurred on account of an insurable event as per the determination by the Emergency Assistance Service Provider.
6. Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute pain.
7. Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner).
8. Expenses incurred in connection with rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
9. Expenses related to mental or psychiatric disorders.
10. Pregnancy, childbirth and any consequences thereof.
You can visit any Dentist / Clinic for Emergency Dental relief and avail the treatment, you can self pay the expenses and claim under Reimbursement. Ensure you collect consultation notes, receipts and xray reports from the dentist. which you need to submit to claims department. After your visit you can intimate the claim on our 24x7 emergency assistance department number who will assist you with further claim procedure.
Yes, you can file a travel insurance claim in India upon return within 30 days from the Policy expiry date or date you return to India whichever is earlier, however it is advisable to file a claim while abroad as soon as any incident occurs leading to the claim under the Policy.
Reimbursement of all claims (except claims under Financial Emergency Assistance ) will be made by the Service Provider in Indian Rupees on Your return back to the Republic of India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. Claims under Financial Emergency Assistance shall be settled/ arranged directly to you, whilst abroad, by the Service Provider. You shall immediately and in any event not later than 30 days after his return to India, notify the Service Provider and obtain a Claim Form for completion and return to the Service Provider along with supporting invoices and any other documentation or information that might be required or requested by the Service Provider.
We shall reimburse the expenses subject to approval of by cheque on the name of the insured.
Service Provider/ Third party administrator (TPA) means persons, organization named in the Schedule who has been appointed by us to provide administrative services on Our Behalf and at Our Direction for an Insurable event. You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. in case of any claim.
You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. On the numbers specified on the Policy schedule.
On the day specificied on the Policy start date when you commence your journey by common carrier outside republic of India till the date you return to India or Policy expiry date whichever is earlier.
Coverage under this Policy is limited to Checked in Baggage which is entrusted with the common carrier during your trip.
You can visit any hospital/doctor and intimate us after your visit to register claim for reimbursement in case of outpatient consultation visit and in case of inpatient hospitalization for more than 24 hours.
Each type of expense is mentioned in the benefits table of your Policy schedule. However, we recommend you go through the policy wording, it has all the fine print of the policy.
No, for Dental Treatment you have to self pay the expenses and claim under Reimbursement.
Below is a brief description of the conditions covered under the medical coverage:
A percentage of the Limit of Indemnity specified in the Policy Schedule, if you sustain Accidental Bodily Injury during the course of your trip overseas while this policy is in effect, results in Accidental Death and Permanent Total disability, you can refer table of loses in the Policy wording under Personal Accident benefit.
The Company will indemnify the Insured / Insured Person in the event the Insured / Insured Person becomes 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 his/her properties, but not exceeding the Sum Insured as specified in the Schedule and provided the incident occurs during the period of insurance and whilst on a trip.
No, we regret Any claim relating to events occurring before the commencement of the trip covered hereunder and any time after the completion of the trip at any port of the Country of Your Residence is not covered under this policy.
You need to submit your documents within 30 days from the date of return to India or the expiry date of the Policy whichever is earlier.
You have to register a claim by contacting our Emergency assistance provider. After claim registration, you can arrange and submit the supporting documents to the claims department, and after submitting the documents our claims department will review the documents to ascertain the claim's admissibility and update you on any additional requirements. Once the claim is found admissible, we shall update you and process the final reimbursement amount as per Policy terms and conditions.
No, there is no card that we issue. You can submit a copy of your Policy schedule in the hospital to avail of medical services & simultaneously contact our assistance service provider to intimate the claim.
From the place of incident to the nearest Medical Facility or from one Medical facility to another Medical facility as recommended by Treating doctor charges can be considered as per Policy terms and conditions.
No, medicines purchased from a pharmacist are not covered unless and until prior consultation is sought from a Medical Practitioner and the same is prescribed as a part of treatment. You have to consult a doctor and supporting consultation notes & prescriptions are required to make a claim.
In the absence of require mandatory documents in original we regret we shall not be able to process the reimbursement amount.
We regret we will require the documents for any claim reported under indemnity benefit. If the same is lost and if you have not submitted it, your claim will be closed without any payment.
Extension of the Policy during the duration of the trip can be done only once at the sole discretion of the Company. The Insured / Insured Person shall submit a declaration letter clearly mentioning the claims filed during the original Policy duration and also that he / she is unaware of any existing health condition which could result in a claim during the extension period. In case a claim has been filed in the original Policy duration, then the Policy may be extended only if the claim filed relates to the following benefits,
From the date of receipt of the complete set of documents, i will take approx 15 days for the final settlement of the claim.
No there is no such a pre-approval is require before hospitalization.
Unless and until a family floater policy is purchased, individuals will require separate policies, and separate sets of claim documents in case of any claim.
Showing 10 reviews
My daughter is moving to US for higher studies. I really like Reliance General's student travel insurance plan. Now I can send my daughter abroad without worrying.
Travelling to aborad for future studies, purchased the student travel insurance for my safety.
I bought a student travel insurance for my brother who was going to abroad for his further studies
I liked the student travel insurance and got one for my son who is going abroad for further education.
As a student living abroad, I would want to feel safe in case of any emergency. Reliance General's student travel insurance does just that. It keeps me safe while studying abroad.
I am a student studying in France and I'm glad to have such a good student travel insurance policy. A have lived here for a year with a lot of assistance from Reliance General and I would recommend this plan to other students going abroad.
The new website is quick and user friendly. Got a student travel insurance quote in less than a minute. Great job.
Have done well
I had forgotten to take my policy and when I realised I had to take 1.I chose Reliance General Student Travel Policy. I am very Happy with the product.
Hassel Free
E-mail Brochure .
E-mail Policy Wording .
E-mail Claim Form .
Brochure has been sent to Your Email Address.
Claim Form has been sent to Your Email Address.
Sorry, something went wrong. Brochure could not be sent to Your Email Address.
Resend OTP in 60 Seconds
Thanks for the information. Our Customer Care will get back to you.