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Bronze Plan - Introduction
Student Medical Insurance covers unexpected and unplanned medical and non-medical expenses when you are studying abroad. In order to faciliate greater access to quality health care, we have partnered with leading US-based Health Care provider UnitedHealth Group, to provide you access to United Health Care's network of hospitals and physicians when in the US.
A composite policy that covers you against sponsor protection, study interruption, compassionate visit, personal liability, bail bond, checked baggage loss and personal accident. Click here to find your university specific insurance details.
This policy also covers you for hospitalization# in case of Swine Flu / H1N1 influenza.
Note: If your university doesn't grant 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 41898868.
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Policy Details
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| Policy Coverage
 | Sponsor Protection– US $10,000 - Reimbursement of tuition fees in case of demise of person paying for studies due to an accident. |
| 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. |
| 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. |
| 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. |
| Passport Loss* - US $200 - For expenses incurred in obtaining a fresh or new passport. |
| 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. |
| Personal Accident– US $10,000 - Compensation paid in case of death or permanent total disability. |
| Checked Baggage Loss– US $1,000 – Compensation for the permanent loss of checked-in baggage. |
| Swine Flu Coverage - This policy also covers you for hospitalization# in case of Swine Flu / H1N1 influenza. |
# If it's not a pre-existing illness
*Deductible excess US $50
For more details, kindly refer to the Policy Wordings.
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| Back to top | | | Benefits
| 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 |
| EMI without any extra charges: 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. 1500. Click here to know more. |
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| Back to top | | | Eligibility
| Minimum age of insured persons is 16 years. |
| Maximum age of insured persons is 35 years. |
| Non-insurable persons: professional and semi-professional sportsmen. |
| The policy can be bought by students already studying abroad. |
Click here to view our Policy Exclusions.
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| Back to top | | | Need for Policy
| 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. |
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| Back to top | | | Claim Process
Know all about making a claim
 Cashless Claim process
Reimbursement Claim process
Documents Required
Download Claim Form
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| Back to top | | | Why buy online
Here are some reasons why you should buy your policy on www.icicilombard.com -
| Instant Policy - Your Policy is issued instantly, on completion of your online transaction. It is emailed immediately to the Email ID provided by you.
You can also print/download the policy from your account on www.icicilombard.com using your User ID & Password. It’s a Digitally Signed valid document just like a hard copy of your policy, which you can access online.
Moreover, if you select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days. |
| No Paperwork – There is no need of any paperwork. Save time & paper- Buy Online. |
| EMI without any extra charges: You can pay online through ICICI Bank, HDFC Bank and Citibank Credit Cards through EMIs without any extra charges . (Conditions Apply) |
| Highest Levels of Security: All your details are secured with us. Click to view our security certification:
Entrust Certification |
Student Medical Insurance Product Code: Misc 50
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