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Insurance Article

How does student insurance for travel benefit your child studying abroad?

March 06 2013

Apart from fulfilling the necessary documentations and university guidelines, the student insurance for travel takes care of your child’s health and several travel needs when overseas. When selecting student insurance, it is crucial to keep in mind university guidelines for insurance so that your child does not face any problems with regards to documentation overseas which may disrupt his studies or stay.

When you purchase student insurance travel policy in India, you make payment in Indian rupees. Thus, you pay almost 1/3rd less amount which you would otherwise have to shoulder when purchasing insurance in the destination country. With an equivalent policy in place, universities across all popular destinations allow a waiver from on-campus health insurance and your child is saved the hassles of securing a health policy in a foreign land. You must at the outset, consider ICICI Lombard student travel policy and procedures as it is recognized as a substitute to the mandatory insurance coverage prescribed by several foreign university.

The policy can be purchased online without the need to undergo any pre-medical checkup. Therefore, you may select the policy easily without any hassles of travelling to meet insurance agents. As a digitally signed copy of the policy is made available almost instantly, you also do not need to wait for policy processing.

As the policy may be designed for a period of two years, it perfectly matches the duration of your child’s education overseas. This feature eliminates the hassles of remembering policy expiry date and policy renewal is not necessary at all. Thus, your child can enjoy all the benefits of the insurance cover without worrying about the policy expiring when he may need it the most.

This policy on insurance for travel offers comprehensive coverage to students and can made available under various plan which are designed to cater to different needs and budgets. You may also choose the Plus plan as an add-on to your standard plan and tailor the travel policy and procedures as per university norms in the destination country. With the cashless claim feature, the student may avail of treatment from any of the insurance provider’s network premium health care providers and get quick claim settlement through the TPA (Third Party Administrator) in that region. Passport loss is also covered by the student travel policy and helps in procuring a duplicate or equivalent document after the settlement of the deductible. Coverage may also offered checked-in baggage loss, personal liability, and personal accident along with several other features depending on the plan chosen to ensure a hassle-free transition for student in a foreign land.

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