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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.

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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.

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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.


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


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 Bharti AXA offers on Student Travel Insurance 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 say about us.

Steps to Buy Travel Insurance Policy Online

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



Select individual/family or student travel insurance.



Enter trip details and personal details.



Select recommended plan and get total premium.



Add complete details and check the summary. Make payment.



Policy PDF is sent 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.

Student Policy Renewal Reminder

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?


  • 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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