Student Travel Insurance

Why Buy Student Travel Insurance?

When you travel abroad for higher studies, it is for quite a long duration. While staying away from family and home is one concern, the stress of academics and exams is another. In the midst of this, expenses for medical treatment and travel emergencies in a foreign land can burn a hole in your pocket if it crosses your education budget.

Why all the fuss? Cut down on all the worries with a student travel insurance plan.

  • Covers travel and medical emergencies
  • Flexible policy period depending on the education course duration
  • Coverage for students in age group of 16 years to 40 years
  • 24/7 Claim Assistance & strong customer support

Types of Travel Insurance Plans

A miniscule premium from your end, and we have your trip insured.

Bharti AXA Smart Traveller Student Insurance

Many students travel away from the comfort of their normal life to pursue education in a foreign land. But they may face sudden medical emergencies or financial problems when studying there. This could cause hindrances during the duration of their course. Our Bharti AXA travel insurance plan provides assistance and financial support to students in case of any emergency or unfortunate event.

We offer 4 variants with different travel sum insured and medical coverage. The Smart Traveller Standard, Silver, Gold, and Platinum have basic coverage of medical and travel emergencies. Some of the variants also have additional benefits covered such as personal liability and legal expenses. You need to choose a plan that best suits your needs.

Love at First Try with Bharti AXA Travel Insurance

Travelling overseas is always fun. It’s more fun when you know your trip is financially secure. That’s why our travel insurance is the ideal companion for all your journeys of life.

 
Flexible plans for your needs
 
Covers all travel related disasters
 
130+ country-wide presence
 
24/7 AXA Assistance Worldwide

Scope of Coverage in Student Travel Insurance

Having student travel insurance is a relief when studying overseas. Here’s why.

Cost of medical check-up

For pre-existing illnesses, you may have to undergo pre-policy medical check-up. You would have to bear the cost of the medical exam. And the reports would be valid for up to 30 days.

Wide age group covered

The insurance plan provides coverage for students from 16 to 40 years. They could be pursuing graduation, post-graduation, or any other professional course in a foreign country.

Loss of sponsorship and compassionate visit

Due to certain circumstances such as accident/death of the person sponsoring your education, the insurance policy will cover the study interruption expenses. 

Extendable policy duration

The travel policy is available from 30 days to 2 years. It can be extended beyond up to 4 years depending on the need. So, the student can happily choose a course of any duration.

Affordable premiums

While you focus on your completing your degree, we focus on financially securing your trip abroad.  For that, you need to pay a small annual premium. That’s all.

Additional coverage

With an extra 10% premium, you can extend your coverage. This is especially for treatment of mental disorders and in-patient medical expenses related to childbirth/pregnancy.

What Student Travel Insurance Includes and Excludes?

It’s better to know what your student travel insurance plan covers and doesn’t cover. After all, you don’t want to face hassles at the time of claim, right?

Inclusions Exclusions

Medical and Dental Expenses:

These include medical expenses, repatriation, emergency medical evaluation. Even dental care expenses such as acute anaesthetic treatment of teeth is covered.

Personal Accident:

Compensation for bodily injuries, permanent or partial disablement, death caused in an accident.

Compassionate Visit:

if you’re hospitalized for more than a certain number of days then the reimbursement and stay expenses family member are covered.

Study Interruption:

Tuition fees are reimbursed in case of discontinuation due to hospitalization, injury, etc.

Legal Expenses/Personal liability:

All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries. Bail amount is given if arrested or detained by police.

Daily Cash Allowance:

Payment of daily allowance for the number of days that the insured person is hospitalized beyond the specific number of days mentioned in the policy document

Loss of essentials:

Loss/theft of passport, documents, delay or loss of checked-in baggage is compensated

Trip cancellation/delay:

Be it because of problems due to airline, natural disasters, medical, or any other reason, compensation is given for trip cancellation, delay or interruption.

Emergency Accommodation:

Due to some natural disaster, if you aren’t able to stay in the original accommodation, you will be compensated for additional cost of emergency accommodation.

Cosmetic surgery:

If it’s being done just to enhance your beauty then don’t expect any coverage. Unless it’s essential as part of treatments for accidents when abroad.

Self-inflicted injury/harm:

Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. won’t be covered.

Participation in warfare:

Being involved in the naval, military, or air force operations won’t get you any coverage.

Performing professional and risky sports:

Participating in risky winter sports, like mountaineering isn’t covered unless specifically agreed and mentioned in the policy document.

Non-Allopathic treatment:

Yogic, homeopathic, unani, and ayurvedic treatments are strictly excluded.

Medical expenses due to unproven treatment:

You won’t receive any coverage for expenses with respect to unproven or experimental treatment.

Illegal Activity:

Don’t expect coverage if involved in a hazardous occupation or engaging in criminal activities while on the trip abroad.

Limitations in medical expenditure:

Daily allowance isn’t paid in case of hospitalization for certain pre-existing conditions.

Treatment that could be delayed until return:

No coverage is given, if the treating physician and the emergency service provider decide that the treatment could have been delayed until return to India.

Saving-Up on Travel Insurance Premiums

Who doesn’t love discounts? A few things can actually help you lower your premiums.

 
  • Purchase your policy online

Buying student travel insurance online as compared to offline is not just hassle-free but also gets you incredible discounts. It helps you save your hard-earned money.

  • Select the right deductible

Deductible is the partial amount that you have to pay towards the claim while the remaining amount is paid by the insurer. The deductible impacts the premium. So just make sure you select your deductible based on what works best for you and what suits your travel needs. 

  • Buy insurance as soon as you book the trip

The nearer you are to the trip, prices can increase. When you have already locked down on the academic course/college, destination and trip dates, then don’t delay in buying student travel insurance. You can lock the lowest rates with us to get discounts and better coverage.

  • Assess the risks involved

You need to assess the health and safety risks of the destination to be visited. If less risky, then you don’t need a high medical cover. And you can opt for the basic cover depending on the number of days you will be staying in the foreign land.

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they have to say about us.

Shop Online - The Easy way

It just takes a few minutes to get the right protection for your journey. It’s true! Our online travel insurance shopping process is that rapid and easy. Check out the steps.

Step

01

Select individual/family or student travel insurance.

Step

02

Enter trip details and personal details.

Step

03

Select recommended plan and get total premium.

Step

04

Add complete details and check the summary. Make payment.

Step

05

Policy is sent in PDF to your mailbox.

Note: Before issuance of policy, vehicle inspection may or may not be conducted depending on the credibility of your vehicle and your driving records.

Buy Travel Insurance by Destination

Travelling abroad for higher studies? Bharti AXA provides insurance for numerous destinations where your educational institute could be located. You simply need to pick the destination of your choice and get all their details. Learn everything about your destination and how Bharti AXA travel insurance is ideal for securing your trip.

Policy Renewal Remainder

You have so many things to remember. Birthdays, anniversaries, collecting clothes from the laundry, paying electricity bills, etc. In the midst of all this, it’s hard to remember the travel insurance policy renewal date. We at Bharti AXA understand this, and that’s why we have created a unique facility called policy renewal reminder for you.

All you need to do is fill in your details. We’ll remind you when your policy renewal date is near. Sounds cool?

Frequently Asked Questions (FAQs)

  • How do I benefit with travel insurance?

Overseas travel insurance protects you when you are traveling in a foreign land. The insurance covers the expenses incurred during events like flight cancellation, illness, injury, misplaced baggage, loss of passport, etc. There would be financial reimbursement offered to cover the financial risk. Emergency financial assistance would also be provided in case of loss of money due to theft or any such event. Back home, your house and contents would be protected with a home insurance coverage against fire, allied perils, and burglary.

  • What is a deductible?

It is the deductible amount that has to be borne by the insured at the time of a claim. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.

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