An opportunity to study abroad opens up avenues to a brighter career and future. But while pursuing these dreams, emergencies can arise anytime. Overseas Student Travel Insurance plans introduced by ICICI Lombard cover unexpected medical and non-medical expenses during your study abroad.
To provide quality health care overseas, we have partnered with UnitedHealth Group (leading US-based Health Care provider), thus providing you access to it's network of hospitals and physicians in United States.
ICICI Lombard offers Overseas Student Travel Insurance plans that are compliant with more than 500 universities worldwide.
Know your University's specific insurance needs
Select the university from below and get comprehensive information about your insurance needs.
UK/ European/ Australian/ Other Universities
Overseas Student Travel Insurance Plans
Gold Plan
A comprehensive cover against medical expenses as well as other expenses such as repatriation of remains, checked-in baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and more.
Gold Plan A comprehensive cover against medical expenses as well as other expenses such as repatriation of remains, checked-in baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and more.
Plus Plan The Plus Plan is an add-on cover to fulfill the various criteria of universities abroad. You can top up your existing student insurance with this plan to avail coverage which a standard plan might not offer.
Bronze Plan An Overseas Student Travel Insurance policy that covers you against sponsor protection, study interruption, compassionate visit, personal liability, bail bond, checked-in baggage loss and personal accident.
In-patient medical expenses related to pregnancy, subject to a waiting period of 10 months
US$ 500
Medical expenses for inter-collegiate sports injuries
Up to medical sum insured
Cancer Screening and Mammography Expenses
US$ 2,000
Childcare Benefits
US$ 100
* Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.
** Deductible of US$ 50 - Applicable for each separate claim. # If not a pre-existing disease.
Buy the policy in Indian rupees, which is 1/3 the cost of buying abroad
Our plans are accepted by most of the foreign universities as a substitute for their compulsory insurance
We have partnered with leading US-based Health Care provider UnitedHealth Group, to provide better health care benefits and services to be availed when in the US
Buy the policy in Indian rupees, which is 1/3 the cost of buying abroad
Our plans are accepted by most of the foreign universities as a substitute for their compulsory insurance
We have partnered with leading US-based Health Care provider UnitedHealth Group, to provide better health care benefits and services to be availed when in the US
Overseas Student Travel Insurance is now available with a continuous cover for 2 years (auto-renewal) Now cover your entire period of study and rid yourself of policy extension hassles with a policy duration of 365+365 = 730 days
Plans are available with second year (auto-renewal) extension option, thereby covering you for the entire period of study
Extend your policy 3 months in advance
Medical outpatient expenses covered subject to the policy coverage limits
No pre-medical check-up required for policy issuance
You can pay online through ICICI Bank, HDFC Bank and Citibank Credit Card at EMI without any extra charge . (Conditions Apply. Providing EMI facility for ICICI Bank (upto 12 months), Citibank, HDFC Bank (upto 6 months) Credit Card customers at the discretion of the Banks)
Note: EMI option subject to minimum annual premium of Rs. 10,000. Click here to know more.
Overseas Student Travel Insurance and You
Choosing a University A large number of students are opting to study abroad and choosing a right university is becoming a new challenge. We suggest that you should adopt a meticulous approach when selecting a university abroad. If you follow the step-by-step plan mentioned below, selecting the most suitable university for your study abroad will be very easy for you.
First, remember that the best university for you may not be the most popular/highly ranked one, but the one that offers your field of study and meets your other important criterias (such as financial aid, duration, etc.) should be shorlisted.
Step 1 – Self Evaluation Do a thorough self-evaluation and short list around 50 universities. This involves
Motivation behind pursuing education abroad- is it academic inclination/job possibilities/personal interest/specialization etc.
Realistic evaluation of professional and academic background- academic record (important in shortlisting universities by rank)/dedication/handling peer pressure/ research or work experience in your field/certificates for extra-curricular activities.
Clear perspective of academic inclination- absolute surety of courses you want to follow
Clear picture about funding- Education abroad is expensive. Apart from the tuition fees various costs such as living, transportation, health insurance etc. are involved. In your case is it sponsorship/self-finance/ university funding etc.
Step 2 – Details of university/ college Once through with self-evaluation, your focus must shift to acquiring hard-core details about the short-listed universities for your higher education. The broad areas you should get details on are
Specialization or programs offered and their duration
Ranking and faculty of the university
Approximate cost – tuition and other fees, accommodation, commuting, insurance* etc.
Entrance and academic eligibilities, tests required, accreditation status
Percentage of international students and their work experience
Other facilities and extra curriculars
On the basis of these criteria short list roughly 25 to 30 universities.
Step 3 – Application stage Next comes the application stage. On receiving application forms look into requirements such as minimum score of standardized exams, application deadlines, recommendation letters and other such relevant details. Compare this information with your criteria and segregate the universities in three categories
Those that meet your requirements
Those that do not meet your requirements and
Those that do not fall completely into either categories.
By logic, eliminate the universities in the second category. Further review the universities in the third category on the basis of ranking, research facilities, financial aid availability, admission requirements, program objectives and the approach adopted, location and student profile. By the end of this stage, you should have short-listed 7-10 (maximum 15) universities, in which you intend to apply.
Universities generally inform well in advance (from the commencement of the term) about their admission decisions. In case you have received more than one acceptance, prioritize on the basis of program (curriculum, duration, research facility etc.), reputation, costs and financial aid, best suited to your personal and professional requirements.
In case of a wait list in your first choice university and admission in second/other- pay the deposit and accept the offer to be on the safe side. At the same time accept to stay on the waiting list of the first choice university.
Exhaustive research on each university is essential to make the correct choice. It is time consuming, but never compromise on that. Choose wisely and step ahead for a great future.
