Overseas Student Travel Insurance makes sure that your study and stay abroad is smooth. There are several reasons why a Overseas Student Travel Insurance is necessary:

Health insurance is mandatory for most foreign universities including popular destinations like Australia, US, Canada, New Zealand, etc.

Majority of universities abroad allow waiver from on-campus health insurance with comparable domestic insurance policies

Available at 1/3rd the university premiums abroad, ICICI Lombard Overseas Student Travel Insurance covers major medical, repatriation, evacuation, dental expenses, etc. and can be combined with the Plus Plan for additional coverages like medical expenses related to pregnancy, Mental disorders, Cancer screening, Mammography and Sports injuries.

Yes. ICICI Lombard Overseas Student Travel Insurance is compliant with the international insurance standards set by universities abroad and thus is acceptable as as a substitute for their compulsory insurance.

Please refer to the table for average costs of medical treatment abroad in the U.S. vis-a-vis India


Note: The above is only an indicative estimate of the costs of treatment.

Overseas Student Travel Insurance is now available with a continous cover for 2 years (auto-renewals), thereby covering your entire period of study without extension hassles. You may also opt for the regular 1 year policy and then extend if required to the second year. You can extend your policy three months in advance of expiry.

If you are not entitled to free NHS treatment, you should make sure you have adequate medical insurance to cover medical costs if you fall ill, and also to cover the additional possible costs resulting from illness. These can be substantial, and include

Lost fees if you are unable to complete your course

Costs of returning home if a relative is ill

Costs of a relative visiting you in the UK if you fall ill

Cost of returning to your home country for treatment

Or in the worst possible situation, returning a body home for burial.

Even if you are entitled to free NHS treatment whilst in the UK, you should consider taking out insurance which covers the above additional costs. Moreover, even if you are covered by the NHS for medical treatment, you may find that there are long waiting times for some services. An insurance policy which gives you access to private medical care could give you much quicker access to the treatment you need.

Please visit The Council for International Education for more information.

Overseas Student Travel Insurance Plus Plan is an add-on cover to fulfill the various criteria of universities abroad. It covers treatment for mental and nervous disorders, including alcoholism and drug dependency, in-patient medical expenses related to pregnancy, medical expenses for inter-collegiate sports injuries, cancer screening & mammography examinations and childcare benefits.

Overseas Student Travel Insurance is an overseas policy, and thus, during the student's trip in India, he is not eligible for Travel or Medical cover under this policy.

Once back to the university, all the covers/benefits a per the policy, would be covered, until and unless the policy is lapsed

The premium for this policy is payable in rupees and costs nearly 1/3rd of what you would have to pay if it were to be bought from an international insurance company

ICICI Lombard will pay / reimburse the tuition fees up to US $10, 000 in case of the demise of your sponsor.

The feature of the policy provides reimbursement for the remaining part of the current school semester fee if the studies are interrupted on account of a medical condition or compassionate reasons on the family front, due to which your studies are to get hampered.

Bail bond is a provision wherein if you are arrested or detained by police or judicial authorities for a bailable offence while abroad, you would be eligible for a US $ 5000 coverage to bail you out.

In case of the insured being hospitalised for more than 7 days, the family members can visit the student abroad. They are eligible for round economy class tickets and accommodation.

Now you can choose between 5 payment options to pay your premium online:

• Credit Card – Make secure premium payment with your VISA, Master and AMEX card. Avail EMI* without any extra charges on ICICI Bank & Citibank Credit Cards.
• Net banking - Transfer premium amounts online through ICICI Bank and 9 other select Banks
• Bill Pay – Use your ICICI Bank Internet Banking account to pay your Motor Insurance premium
• Debit Card – Just enter your Citibank Debit Card details to pay your insurance premium directly
• Cash Card - Use your Done Card to make payment online

* EMI option subject to minimum annual premium of 10,000.

There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof. Click here to know more about documents needed to make a claim on your Overseas Student Travel Insurance.