What is Student Travel Insurance?
Student Travel Insurance is a specialized insurance plan designed for students who are traveling abroad or within their own country for educational purposes. It covers risks related to travel, health, personal belongings, and sometimes liability while studying or traveling.
Benefits of Student Travel Insurance
- Medical Coverage: Covers emergency medical expenses, hospitalization, and treatment abroad.
- Trip Cancellation/Interruption: Reimbursement for prepaid non-refundable expenses if the trip is canceled or interrupted due to unforeseen events.
- Loss or Delay of Baggage: Compensation for lost, stolen, or delayed baggage.
- Personal Liability: Protection if the student accidentally causes harm or damage to others.
- Travel Assistance Services: 24/7 assistance for emergencies such as medical referrals, legal aid, or travel support.
- Coverage for Study-related Equipment: Protection of laptops, books, or other essential study materials.
- Accidental Death & Disability: Compensation in case of accidents leading to death or disability.
Risks Covered by Student Travel Insurance
- Medical emergencies or illness abroad.
- Accidents during travel.
- Theft or loss of personal belongings.
- Travel delays or cancellations.
- Natural disasters impacting travel plans.
- Liability for third-party injuries or damages.
- Emergency evacuation or repatriation.
Top 10 Student Travel Insurance Plans in India (2025)
| Insurance Provider | Plan Name | Sum Insured | Key Benefits | Pros | Cons |
|---|---|---|---|---|---|
| 1. ICICI Lombard | Student Travel Insurance | ₹5-50 Lakhs | Medical, baggage loss, trip cancellation | Wide network, good customer service | Higher premium for higher coverage |
| 2. Bajaj Allianz | International Student Plan | Up to ₹1 Crore | Medical, baggage, travel delay | Comprehensive cover, add-ons available | Complex claim process reported |
| 3. Tata AIG | Student Travel Insurance | ₹10 Lakhs to ₹1 Crore | Medical, repatriation, baggage loss | Flexible plans, instant policy issuance | Premium on higher end plans can be expensive |
| 4. HDFC ERGO | Student Travel Insurance | ₹5-50 Lakhs | Medical expenses, trip delay, loss of baggage | Affordable premiums, good global coverage | Limited coverage in some countries |
| 5. Reliance General Insurance | Student Travel Plan | ₹10 Lakhs to ₹1 Crore | Medical expenses, trip cancellation, baggage loss | Easy online claim process | Customer service can be slow |
| 6. Aditya Birla Health | Student Travel Insurance | ₹10 Lakhs | Medical, repatriation, loss of passport | Good coverage, affordable premium | Less add-ons compared to others |
| 7. New India Assurance | Student Travel Insurance | ₹10 Lakhs | Medical, baggage loss, trip delay | Trusted government insurer, transparent policies | Limited customer service |
| 8. Bharti AXA | Student Travel Insurance | ₹5-50 Lakhs | Medical expenses, baggage loss, trip interruption | Flexible plans, worldwide coverage | Higher premiums in some cases |
| 9. Kotak Mahindra | Student Travel Insurance | ₹10 Lakhs to ₹1 Crore | Medical, loss of baggage, trip delay | Customizable plans, good claim settlement | Limited offline branch presence |
| 10. Oriental Insurance | Student Travel Insurance | ₹5-50 Lakhs | Medical, repatriation, baggage loss | Affordable premiums, government backed | Limited add-ons, slower claim process |
FAQ for Student Travel Insurance
Q1: Who should buy Student Travel Insurance?
A: Any student traveling abroad or within India for studies should consider buying it for safety against unforeseen risks.
Q2: What does Student Travel Insurance typically cover?
A: Medical emergencies, trip cancellations, lost baggage, personal liability, accidental death/disability, and emergency assistance.
Q3: Is pre-existing medical condition covered?
A: Usually, pre-existing conditions are excluded, but some plans offer optional coverage for them.
Q4: Can I extend my student travel insurance?
A: Yes, most insurers allow policy extensions if the study period is extended.
Q5: How to file a claim?
A: Usually through the insurer’s website or mobile app, requiring relevant documents like medical reports, travel tickets, and receipts.
Q6: Does it cover COVID-19 related expenses?
A: Many plans have updated coverage to include COVID-19 treatment and quarantine expenses, but verify with the insurer.
Q7: What is the coverage limit?
A: Varies by plan, commonly between ₹5 Lakhs to ₹1 Crore.
Q8: Are sports or adventure activities covered?
A: Typically not included unless an add-on is purchased.
Q9: Is pre-trip medical checkup required?
A: Not usually mandatory but recommended for certain plans.
Q10: Can parents buy insurance on behalf of their children?
A: Yes, parents or guardians can purchase the policy.