Travel Insurance for Students

Travelling as a student is an exciting experience – you get to explore new places at a young age, meet and interact with new and interesting people and also learn a thing or two about yourself. However, students also need to be aware of their budget – most of which is limited. Visiting a new country can sometimes not go as planned, and having insurance is one sure-shot way to ensure that you’re covered in case of any accident, mishap or unforeseeable circumstances.
In such cases, having travel insurance that is tailor-made especially for students makes it easier for those looking to travel safely. A student travel insurance India allows you to remain protected abroad.
Studying abroad means that you’ve to acclimatize yourself to a new culture and country, while also ensuring that you prepare for their kind of food. Chances of falling ill during the first few months are higher and require you to stay safe. It is during this time that student insurance will come in handy and ensure you’re protected against any medical expenses that could pop up.

How do I get myself a student insurance policy?

One good way to go about getting yourself insurance is by getting the Religare Student Explore offer which is available on our website. It allows you to choose from a myriad of plans which make it easier for you to choose from. This way, you remain protected against any sudden mishap as the plan covers a range of illnesses and diseases.
The travel insurance for students plan is planned in such a way that you enjoy some new-age benefits. You will be able to get a catalogue of services that will make your stay abroad much safer. The premiums for these services are low enough to be affordable by students.

What are the key benefits?

With Student Explore, you can cover all the major aspects of the plan, including the likes of in-patient care, medical expenses and so much more. It becomes easier for you to choose a plan that suits your needs and benefits.
Here are some of the main features and benefits of the Religare Student Explore plan:

You can enjoy a long and comprehensive list of the travel, medical and non-medical expenses that are present in our catalogue
You can also choose optional covers for your mandatory university requirements. This makes it simpler to understand the various offerings and then take a call post that
The coverage tenure is need-based and extends anywhere from 1 month to 3 years.
The Student Explore package also allows you to choose your very own geographical scope of coverage
There are also many other features that come along with it, including sponsor protection, bail bond, laptop/tablet and accidental benefits just to name a few
There is no pre-policy checkup that is needed for those looking to go through with the purchase
The package is available at a low and affordable cost, perfect for those who are going to study in international universities
There is also extended coverage available at the country that the candidate resides in and in the home country as well

Benefit	Deductible	Explore Start	Explore Plus	Explore Super	Explore Ultra
Plan Options
Medical Expenses	US $ 100	NA	US $50,000 / US $ 100,000	US $ 50,000 / US $ 100,000 / US $ 300,000 / US $ 500,000	US $ 50,000 / US $ 100,000 / US $ 300,000 / US $ 500,000 / US $ 1,000,000
In-patient Care	US $ 100	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Pre-Existing Disease Cover in Life Threatening Medical Condition	US $ 100	NA	Up to 10% of SI of Medical Expenses	Up to 10% of SI of Medical Expenses	Up to 10% of SI of Medical Expenses
Extended Cover in the Country of Residence	US $ 100	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Out-patient Care	US $ 100	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Repatriation of Mortal Remains (Part of Medical Expenses)	-	NA	US $ 7,500	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Medical Evacuation (Part of Medical Expenses)	-	NA	US $ 7,500	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Dental Expenses	US $ 50	NA	US $ 250	US $ 500	US $ 750
Daily Allowance	3 days	NA	NA	NA	US $ 50 per day, max 7 days
Accidental Death Permanent Total Disablement Permanent Partial Disablement	-	US $ 30,000	US $ 15,000	US $ 30,000	US $ 30,000
Compassionate Visit	-	US $ 5,000	NA	US $ 5,000	US $ 7,500
Loss of Checked-in Baggage	-	US $ 1000	US $ 500	US $ 1000	US $ 2000
Delay of Checked-in Baggage	12 hours	US $ 150	NA	US $ 150	US $ 150
Loss of Passport	US $ 50	US $ 150	US $ 150	US $ 150	US $ 200
Loss of International driving license	US $ 50	US $ 100	NA	US $ 100	US $ 150
Personal Liability	US $ 200	US $ 100,000	US $ 100,000	US $ 100,000	US $ 100,000
Study interruption	-	US $ 10,000	US $ 7,500	US $ 10,000	US $ 15,000
Sponsor Protection	-	US $ 15,000	US $ 10,000	US $ 15,000	US $ 15,000
Bail Bond	-	US $ 5,000	US $ 500	US $ 5,000	US $ 5,000
University Insolvency	-	NA	NA	NA	US $ 7,500
Trip Delay	12 hours	NA	NA	NA	US $ 200
Loss of Laptop / Tablet	-	NA	NA	NA	US $ 250
Emergency Cash Advance	-	NA	NA	NA	US $ 1,000
Coverage at home country	US $ 100	NA	Up to 5% of SI of Medical Expenses	Up to 5% of SI of Medical Expenses	Up to 5% of SI of Medical Expenses
Treatment for Mental and Nervous disorders (Part of Medical Expenses)	-	NA	NA	US $ 1,500	US $ 3,000
Treatment for Alcoholism and Drug Dependency (Part of Medical Expenses)	-	NA	NA	US $ 1,500	US $ 3,000
Cancer screening and Mammographic Examination (Part of Medical Expenses)	-	NA	NA	US $ 2,000	US $ 4,000

Benefit	Deductible	Explore Start	Explore Plus	Explore Super	Explore Ultra
Optional Covers
Self-inflicted injury	US $ 100	NA	US $ 7,500	US $ 7,500	US $ 7,500
HIV / AIDS Cover	US $ 100	NA	US $ 7,500	US $ 7,500	US $ 7,500
Adventure Sports Injury	US $ 100	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Vision Care (co-payment of 50%)	US $ 100	NA	US $ 200	US $ 200	US $ 200
Maternity & New Born Cover (wait period of 10 months,Co-payment @20%) New Born Cover restricted to US $ 500	US $ 100	NA	US $1000 / US $5000 / US $50,000 / US $100,000	US $1000 / US $5000 / US $50,000 / US $100,000 $300,000 / US $500,000	US $1000 / US $5000 / US $50,000 / US $100,000 $300,000 / US $500,000/ US $1,000,000
Complete Pre-Existing Disease Cover in Life Threatening Medical Condition	US $ 100	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses

No matter which part of the world you are, we're just a call away!

In case of Claim, notify us immediately on any of the below touch-points for hassle free processing and speedy settlements.
Falck Global Assistance (24 hours assistance centre)

US and Canada	:	18443013135 /18443013146 ( Toll Free)
Other countries	:	+91-124-4498760 (Call Back Facility)	Fax	:	+91- 124- 4006674
	:	travelassistance@religare.com

In case of reimbursement of treatment expenses, reach us at the below touch points
Religare Health Insurance Company Limited Vipul Tech Square, Tower C, 3rd Floor, Sector – 43, Golf Course Road, Gurgaon – 122009

India	:	1800 102 4488 (Toll Free & Accessible in India only)	Fax (RHICL)	:	1800 200 6677
	:	travelclaims@religare.com

Be it Cashless settlement or reimbursement of medical expenses, we deliver on our promise of worry free experience!

Please click here to see the detailed policy Terms & Conditions.

For complete product details, kindly refer Prospectus and Sales Literature in the Download Section. Click here

What are the types of Explore packages available?

Currently, there are four packages which can be segregated based on parameters such as medical expenses, in-patient care and more. These four packages include:

Explore Start –

The first of the student travel insurance available, Explore Start has the following salient features:

The Medical Expenses, In-Patient Care, Pre-existing diseases cover for any life-threatening medical condition, extended cover in the residing country, out-patient care, repatriation of mortal remains, dental and daily allowances are not covered in this package.
In any instance of accidental death, permanent total or partial disablement, the candidate’s family receives an amount of $30,000
Compassionate visit allowances for the Student Explore Start pack is up to $5,000
Loss of checked in baggage will be compensated with an amount of $1,000
Delay of checked-in baggage brings with it compensation of $150
Loss of passport is compensated with an amount of $150 while the loss of international driving license will give you $100
Personal liabilities extend up to $100,000
Sponsor protection is up to $15,000
Bail Bond is up to $5000
Other factors including university insolvency, trip delay, loss of tablet/laptop, coverage at the home country, emergency advance for cash, treatment of nervous or mental disorders or drug dependency and alcohol, along with cancer screening and mammographic examination does not apply for the Student Explore Start Package

Explore Plus –

The second of the student travel insurance available, Explore Plus has the following salient features:

The Medical Expenses for the Explore Start package cover from $50,000 to $100,000
The In-patient care extends up to the SI of the medical expenses
Pre-existing diseases for covering any life-threatening medical condition extends up to 10% of the SI of medical expenses
The extended cover in the country of residence is up to the SI of the medical expenses
Out-patient care extends up to the SI of medical expenses
Repatriation of mortal remains is up to $750
Medical evacuation is up to $7500
Dental expenses are up to $250
No daily allowance
Accidental death, permanent total or permanent partial disablement up to $15,000
Loss of checked-in baggage is up to $500 with no amount for delay
Loss of passport up to $150
Loss of international driving licence is not applicable
Personal liability up to $100,000
Study interruption up to $7500
Sponsor protection up to $10,000
The bail bond is up to $500
Coverage at home country
Other factors including university insolvency, trip delay, loss of tablet/laptop, coverage at the home country, emergency advance for cash, treatment of nervous or mental disorders or drug dependency and alcohol, along with cancer screening and mammographic examination does not apply for the Student Explore Start Package

Explore Super –

The first of the student travel insurance available, Explore Start has the following salient features:

The Medical Expenses for the Explore Start package cover from $50,000 up to $500,000
The In-patient care extends up to the SI of the medical expenses
Pre-existing diseases for covering any life-threatening medical condition extends up to 10% of the SI of medical expenses
The extended cover in the country of residence is up to the SI of the medical expenses
Out-patient care extends up to the SI of medical expenses
Repatriation of mortal remains are SI of medical expenses
Medical evacuation is up to SI of medical expenses
Dental expenses are up to $500
No daily allowance
Accidental death, permanent total or permanent partial disablement up to $30,000
Compassionate visit up to $5000
Loss of checked-in baggage is up to $1000 and delay is up to $150
Loss of passport up to $150
Loss of international driving license is up to $100
Personal liability up to $100,000
Study interruption up to $10000
Sponsor protection up to $15,000
The bail bond is up to $5000
Coverage at home country up to 5% of SI of medical expenses
Treatment of alcoholism and drug dependency, mental and nervous disorders, cancer screening and mammographic examination is up to $1500 for the former two and $2000 for the latter
Other factors including university insolvency, trip delay, loss of tablet/laptop, coverage at the home country, emergency advance for cash, treatment of nervous or mental disorders or drug dependency and alcohol, along with cancer screening and mammographic examination does not apply for the Student Explore Start Package

Explore Ultra –

The first of the student travel insurance available, Explore Start has the following salient features:

The Medical Expenses for the Explore Start package cover from $50,000 up to $1,000,000
The In-patient care extends up to the SI of the medical expenses
Pre-existing diseases for covering any life-threatening medical condition extends up to 10% of the SI of medical expenses
The extended cover in the country of residence is up to the SI of the medical expense
Out-patient care extends up to the SI of medical expenses
Repatriation of mortal remains are SI of medical expenses
Medical evacuation is up to SI of medical expenses
Dental expenses are up to $750
Daily allowances are up to $50 a day, for seven days
Accidental death, permanent total or permanent partial disablement up to $30,000
Compassionate visit up to $7500
Loss of checked-in baggage is up to $2000 and delay is up to $150
Loss of passport up to $200
Loss of international driving license is up to $150
Personal liability up to $100,000
Study interruption up to $150000
Sponsor protection up to $15,000
The bail bond is up to $5000
University insolvency is up to $7500
Trip Delay is up to $200
Emergency cash advance extends up to $1000
Coverage at home country up to 5% of SI of medical expenses
Treatment of alcoholism and drug dependency, mental and nervous disorders, cancer screening and mammographic examination is up to $3000 for the former two and $4000 for the latter

What is not covered in the Religare Student Explore pack?

War or nuclear consequences thereof
Expenses that can be attributed to drug use/abuse/misuse or alcohol
Any ionizing radiation or any contamination that arises out of the same
Any intentional suicide, self-injury or any attempted suicide
Any claims that are related to hazardous activities
Intentional self-injury attempted suicide or suicide
The individual insured involved in breaching the law
HIV/AIDS

Eligibility Criteria:

The eligibility criteria for the Religare Explore packs are as follows:

The minimum age of entry for the pack is 12 years
Maximum age of entry for the pack extends to 40 years
Renewal age for the pack is up to 40 years
The sum insured can be anywhere between $50,000/$1,00,000/$3,00,000/$5,00,000/$10,00,000
The policy tenure is anywhere between 1/3/6/9/12/15/18/24 months depending on which you’d like to avail
The pack is available only for an individual and there is no family pack available
The premium for the packs is calculated on the basis of trip duration, the sum insured, destination as well as the age

Claiming process:

To claim the Religare Student Explore pack, it is a must to inform the service provider regarding any and every medical claim. If a situation of non-intimation occurs, then Religare can invalidate the claim being made.
The service provider details for the various countries include:

USA - ( 1 844 209 1106)
Canada – ( 1 844 209 1107)
Any other country ( 91 11 40608688)
Email ID - travelclaims@religare.com
Fax - ( 91 11 41898801)

Thus, Religare’s Student Explore plans allow you to choose from a range of options which makes it easier for you to study abroad. Studying will become much easier when all the other priorities are taken care of with the help of the different options that are available. It is important that you understand the various deals that are being offered and then proceed to choose one that works for you.

With the range of options available and the ease with which they can be availed, you can claim student travel insurance to USA and student travel insurance to Europe. You’ll be able to get the best student insurance packs with which you can roam and enjoy the rest of your student life abroad.

Choose Religare and have the best coverage in universities across the world to make it easier for you to live life.