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Plus 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.
Student Medical 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. 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
 | Treatment for mental and nervous disorders - US$ 1,000 - Treatment for mental and nervous disorders including alcoholism and drug dependency, is covered under this policy. |
| In-patient medical expenses related to pregnancy - US$ 500 - In-patient medical expenses related to pregnancy are covered to a maximum limit of US$ 500, after a waiting period of 10 months. |
| Medical expenses for inter-collegiate sports injuries: Medical expenses for inter-collegiate sports injuries are covered under this policy as part of the medical cover. These expenses will be treated as any other medical expenses for an accident, and will be subject to the terms of conditions mentioned in the policy. |
| Cancer screening and mammography expenses - US$ 2,000 - Cancer screening and mammography expenses examinations on recommendation from physician will be paid under this policy. Expenses would be paid for the usual and customary charges incurred for these test. Any tests done as a part of preventive health check-up is not included under this benefit. |
| Childcare benefits - US$ 100 - If the child is above 90 days of age, and is hospitalized for more than 2 days, for any ailment, hospital cash benefit of US$ 100 per day will be paid, subject to a maximum of 7 days. |
| 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
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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