Student Travel Insurance

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The Story So Far

Higher education abroad is on the wish list of many students in India. Being a part of a  different education system, culture, and lifestyle is an experience the students look forward to. Annually around 3 lakh students from India choose universities overseas for their education [1] mostly for their higher studies.While most courses cover them medically, overseas travel insurance is ignored by almost 10% of the students. One such student was Rohan. 

Insurance
Insurance

After completing his under graduation, Rohan decided to pursue a Master of Science course from a university outside India. His father made all the education loan arrangements with help from the bank. During his stay, he met with an accident and was bedridden for months together. His course had to be discontinued as he needed more time to get back on his feet. Though his medical expenses were covered, the tuition fees he paid in advance were lost. Even the charges incurred to change his flight plan became an additional cost.  Eventually, The education loan became a burden for him in the years to come. Rohan and his family were devastated. They realised that a travel insurance like Bharti AXA Travel Insurance could have helped them get back an amount that would have covered most expenses. It would have benefited his family immensely. 

The Need For Insurance

When a student travels for education, it is usually for a period of 12 months. This is relatively a long duration to stay away from family and home alone. Being a student makes them more susceptible to risks and emergencies like loss of baggage or passport, theft and accidents. A travel insurance protects them against these events and covers for the expenses incurred.Student Travel insurance in this case is completely necessary, as it ensures peace of mind for both the student and their families as well.International students, who are usually teenagers need to have their passport with them always. Loss of passport and other documents affects the student adversely as it is not easy for them to get a new one. With a travel insurance students are assisted to go to the right people and are also given financial assistance. Medical treatment outside India too can go beyond their education budget. It is a known fact that India itself is a preferred destination when it comes to medical tourism. An international travel insurance ensures that one doesn’t have to worry about the financial implication of a medical emergency.

Insurance

At Bharti AXA General Insurance

Insurance

We provide a crucial cover to the students traveling far away from the comforts of their normal life. Our dedicated team is always there to assist the students in case of any emergency. Also, almost 33% of the students choose banks or other sponsors to fund their studies, thus the  financial support that insurance provides is irreplaceable.  Take Rohan’s example, had he taken our travel insurance his advance tuition fees would have been refunded. 
The fact that AXA group is there to cover you when you travel should be reason enough for students to choose us. AXA is a leading insurance provider worldwide. They provide expert assistance in the case of an unfortunate event. By providing the widest network they make sure every student gets the benefit of maximum coverage.
Our Student Travel Insurance can be extended beyond 1 year depending on your need. This way, the student can choose a course of any duration without worrying about the insurance policy term. These and many other benefits make Bharti AXA one of most preferred student travel insurances in the country. Here are some of the features of our plans.

Benefits

Our student travel insurance covers students from 16 years to 40 years. These include students pursuing graduation, post graduation, or  any other academic or professional courses in a foreign country. The policy is available from 30 days to 2 years, which can be extended up to 4 years. The plans cover you from the expenses incurred for the following situations:

  • Medical treatment and emergencies 
  • Emergency dental treatment
  • Loss of passport, traveller’s cheques, travelling tickets or documents
  • Loss or delay of checked-in baggage
  • Legal expenses 
  • Study interruption or loss of sponsorship
  • Compassionate visit

Read more to choose the right plan

 

Student Insurance Benefits
Inclusions Exclusions

Our student travel insurance covers students from 16 years to 40 years. These include students pursuing graduation, post graduation, or  any other academic or professional courses in a foreign country. The policy is available from 30 days to 2 years, which can be extended up to 4 years. The plans cover you from the expenses incurred for the following situations:

  • Medical treatment and emergencies
  • Emergency dental treatment
  • Loss of passport, traveller’s cheques, travelling tickets or documents
  • Loss or delay of checked-in baggage
  • Legal expenses
  • Study interruption or loss of sponsorship
  • Compassionate visit

 

Our plans does not cover the expenses incurred in the following events:

  • Any pre-existing condition except in case of life threatening situation
  • Any event where the insured is under the influence of liquor or drugs
  • Cosmetic surgery unless warranted because of an accident or routine medical examination
  • Injury sustained whilst participating in hazardous activities/sports
  • Terrorist activities
  • Loss of passport or documents whilst left unattended in a public place or not reported to police within 24 hours
  • Any partial loss of items contained within the checked-in baggage

Frequently Asked Questions

Have a question on travel insurance, that will help you with the decision-making? Look at these Frequently Asked Questions and you may find the answer. These carefully selected questions will help you understand our products and services better. However, if you still need more information, you can always contact us. Our executives will be glad to assist you.

Frequently Asked Questions