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 travel insurance claim. 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. 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 Legal Expenses: All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries.. Trip cancellation/delay: Payment towards the non-refundable prepaid payments or the additional expenses incurred subject to limit of Sum Insured, on the trip being cancelled or interrupted due to medical problems of insured/Insured person’s family member, personal employment problems or natural disasters 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. Hijack Distress: In case if there is hijack on a common carrier for a certain number of hours, distress allowance is compensated. Home and Fire Insurance: Any kind of loss or damage of the things at your home back in India caused by theft/fire will be covered. Cosmetic surgery: Cosmetic surgery done to enhance your beauty is not covered. Unless surgery is 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. is not covered.. Participation in warfare: Coverage is not provided for those involved in in naval, military, or air force operations. 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: 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. When you travel abroad medical expenses should be the last thing on your mind. Also, expenses for medical treatment and travel emergencies in a foreign land can burn a hole in your pocket. A student travel insurance plan can help you during medical and other emergencies like these. Covers Travel and Medical Emergencies Travel and Medical Emergencies Flexible Policy Period depending on the Education Course Duration Flexible Policy Period Coverage for students in age group of16 to 40 years 16 to 40 years 24/7 Claim Assistance & strong Customer Support 24/7 Claim Assistance Types of Student Travel Insurance Plans Just pay a small premium and your trip is insured. Bharti AXA Smart Traveller Student Insurance Many students like you opt for a specialised degree abroad. During this stay abroad, you may face sudden medical or other emergencies. This could cause hindrances during the duration of your course. Our Bharti AXA travel insurance plan for students provides assistance and financial support in case of 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 can pick a student travel insurance policy online that suits your needs. Benefits of Student Travel Insurance Coverage Having student travel insurance is a relief when studying overseas. Here’s why. Flexible plans for your needs Depending on the country that you’re travelling to, we have two travel insurance plans to worldwide including/excluding USA and Canada. So, choose as per your requirements. view More Covers all travel related disasters Get complete protection against travel related emergencies such as loss of passport, theft, personal accident, and many such eventualities. view More 130+ country-wide presence Yes, we secure your trips across 130+ countries. view More 24/7 AXA Assistance Worldwide We provide 24/7 worldwide AXA assistance so that you can travel stress-free anytime and anywhere. view More 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.