Gold Plan - Introduction Student Medical Insurance provides cover against 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.
Student Medical Gold Plan is a comprehensive health cover against medical expenses, dental treatment, repatriation of remains, checked baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and compassionate visit. Click here to find your university compliaint health insurance details and buy online instantly.
Note: If your university doesn't grant student health insurance waiver, you can avail premium refund within 30 days from inception, provided no claims have been made in the same period.
For cashless settlement of claims, contact us at +91 11 4189 8800.
Medical Expenses (including medical evacuation)*- US $50,000 to US $500,000 – This covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers defined outpatient, in-patient, medical aid, therapies and diagnostic tests.
Emergency Medical Evacuation and Repatriation of Remains to home country is covered up to the medical sum insured chosen (US $50,000 - US $500,000)
Dental Treatment *- US $250 – Covers acute anesthetic treatment of natural teeth.
Repatriation of Remains- Upto medical sum insured– Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death overseas.
Checked Baggage Loss- US $1,000 - Compensation for the permanent loss of checked-in baggage.
Passport Loss ** - US $200 - For expenses incurred in obtaining a fresh or new passport.
Personal Accident- US $25,000 – Compensation paid in case of death or permanent total disability.
Personal Liability- US $100,000 – Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured.
Bail Bond- US $5,000 – For the bail amount, if arrested or detained by police or judicial authorities of the place, for any bailable offence whilst abroad.
Study Interruption- US $7,500 - Reimbursement for the remaining part of the current school semester fee, if studies are interrupted on account of a medical condition or compassionate reasons on the family front.
Sponsor Protection- US $10,000 – Reimbursement of tuition fees in case of demise of person paying for studies due to an accident.
Compassionate Visit- US $7,500 - In case of hospitalization (exceeding 7 days) of student or a family member, where a family member visits student or student visits India. Round trip economy class tickets for student/ family member, and accommodation for the family member visiting abroad, will be reimbursed.
* Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.* *Deductible excess US $50
Buy the policy in Indian rupees, which is 1/3 the cost of buying abroad
Accepted by most of the foreign universities as a substitute for their compulsory insurance
ICICI Lombard has 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
Plans available with second year extension option, thereby covering you for the entire period of study
Extend your policy 3 months in advance – Now you do not have to wait till policy expiry to extend your Student Medical cover, extend your policy 3 months in advance
Policy coverage for 2 years – Student Medical Insurance is now available with a continuous cover for 2 years. Now cover your entire period of study and rid yourself of policy extension hassles with a policy duration of 365+365 = 730 days
Medical outpatient expenses covered
No pre-medical check-up required
Pay through your ICICI Bank, Citibank and HDFC Bank Credit Card and avail of Interest-Free equal monthly installments (EMI) for your premium. Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more.
Medical 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 Student Medical 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.
Digitally signed policy is available 24X7 online, customer can take prints instantly. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days.
0% EMI option: You can pay online through ICICI Bank or Citibank Credit Card at 0% EMI (interest-free EMI). Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more.
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