What Is A Student Travel Insurance Policy
Travel insurance is a global phenomenon with recognized advantages
. Anyone travelling abroad should buy a travel policy before they go abroad. Indian students go abroad in great numbers to study and taking cognizance of this and their specialized requirements, student travel insurance plans have been made available in India for them.India has the highest number of students in the world, who go abroad to pursue their higher education. Most of these students travel to 3 countries the United States of America, the United Kingdom and Australia. While most of these students are on their own when the go abroad, a student travel insurance policy ensures that they are covered in case of any medical emergency.
A student travel insurance policy is basically a mediclaim type insurance policy with features of life insurance and travel assurance, which insures the student against illness and medical expenses abroad. While most western countries have well developed medical facilities, they are very expensive. Considering that the Indian currency is also valued lower than most western currencies, a simple illness could potentially leave a student with huge medical bills.
What does a student travel insurance cover?
The student travel insurance covers medical expenses including transportation and evacuation while the student is abroad. Emergency medical expenses for any sudden disease, illness, injury or death, while you are abroad are also covered. In some cases if required then emergency expenses towards medical evacuation to India are reimbursed. In case of the death of the insured person while abroad, the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad are covered by the policy. These policies also cover expenses for any dental treatment, due to an injury which is undertaken abroad. These policies have a personal accident rider built into them and in the even that you meet with an accident abroad, the insurance company will give compensation in case of death or permanent disability. A student travel insurance policy provides compensation for death or permanent disability which occurs due to an accident on any flight, ship or other common carriers.
In the even that you lose your passport while you are abroad then the insurance company will reimburse the cost of obtaining a duplicate passport. While travelling abroad if your checked baggage is delayed by more than 12 hours, then your essential expenses will be reimbursed. In there is total loss of baggage on a common carrier, compensation of a predetermined value will be paid. In case you are hospitalized for more than seven consecutive days then the insurance co will reimburse the return fare for one member of your immediate family to visit you. A travel protection policy also offers compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by you.
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