Student Health Insurance by Student Cover in Association with ICICI Lombard

SC Gold Plus

#Covering medical illness/sickness/injuries
#$100 maximum deductible per treatment
#No concept of Co-insurance or Copays
#Covering intercollegiate sports injuries
#Provides travel benefits throughout the year
#Provides benefits like study interruption and compassionate visit

Details

Underwriter: ICICI Lombard

Claim Administrator: Flack/UnitedHealthcare

Age Group: 16-35 Years

Coverage: Worldwide

Type: Roundtrip

Coverage Period:

Sum-Insured:

BenefitsSIDeductibleBases of Claim Settlement

Medical Expenses*

$50,000 - $500,000

$100 Per Treatment 

Indemnity

In-patient treatments

Up to the sum-insured 

$100 Per Treatment 

Out-patient treatment

Up to the sum-insured

$100 Per Treatment 

Repatriation of Remains

Included in Medical Expenses SI

-

Indemnity

Dental Treatments**

$250

$100 

Indemnity

Total Loss of Checked – In Baggage

$1,000

-

Indemnity

Personal Accident

$25,000

-

Indemnity

Personal Liability

$100,000

-

Indemnity

Bail Bond

$5,000

-

Indemnity

Study Interruption

$7,500

-

Indemnity

Sponsor Protection

$10,000

-

Indemnity

Two Way Compassionate Visit

$7,500

-

Indemnity

Loss of Passport

$200

$50 

Indemnity

Treatment of Mental and Nervous Disorder

$1,000

-

Indemnity

In-Patient medical expenses related to pregnancy***

$500

-

Indemnity

Inter-collegiate sport injuries

Up to Sum-Insured

$100

Indemnity

Cancer Screening and Mammography Expenses

$2,000

-

Indemnity

Childcare Benefits

$100

-

Indemnity

Policy Notes:

*Medical expenses would include all sickness/illness/injuries except as mentioned in the exclusions of policy wordings

**Dental treatments would only be giving for injuries to sound and natural teeth

***Medical Expenses related to pregnancy is subject to waiting period of 10 months

# The above plan are not accepted in all the US universities, check with us for its acceptance
 # The plan can be purchased for less than 1 year as well, check with us for the premium rates
 #Pre-existing conditions, would cover situations arising due to Life saving unforeseen emergency measures, or measures solely designed to relieve acute pain
 #Routine check-ups, preventive care, and cosmetic surgeries are not included in the plan
 #In-patient medical expenses related to pregnancy are covered to a maximum limit of US$ 500, after a waiting period of 10 months

Read out our cancellation and refund policy: https://studentcover.in/policies/

SC Medical Supreme

#Covering medical illness/sickness/injuries
#$100 maximum deductible per treatment
#No concept of Co-insurance or Copays
#Covering intercollegiate sports injuries
#Covering Exclusive travel benefits
#Having “No Question Ask Policy” for claims on Travel Benefit

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Details

Underwriter: ICICI Lombard

Claim Administrator: Flack/UnitedHealthcare

Age Group: 16-35 Years

Coverage: Worldwide

Type: Roundtrip

Coverage Period: 365 Days

Sum-Insured: $50K, $100k , $250K, $500K

BenefitsSIDeductibleBases of Claim Settlement

Medical Expenses*

$50,000 - $500,000

$100 Per treatment

Indemnity

Out-patient treatment

Up to the sum-insured

$100 Per treatment

Indemnity

In-Patient treatment

Up to the sum-insured

$100 Per treatment

Indemnity

Medical Evacuation

Up to the sum-insured

-

Indemnity

Dental Treatment**

$250

$50

Indemnity

Personal Accident

$25,000

-

Benefit

Loss of checked in baggage

$500

-

Benefit

Ext: Loss of checked in - electronic equipment

$500

-

Indemnity

Damage to baggage

$100

-

Benefit

Delay of Checked in Baggage

$100

4 Hours

Benefit

Missed connection

$500

3 Hours

Indemnity

Loss of Passport & International Driving Licence

$200

-

Benefit

Trip Cancellation

$500

-

Indemnity

Trip interruption or curtailment

$500

-

Indemnity

Repatriation of Remains

Up to the sum-insured

-

Indemnity

Personal Liability

$50,000

5% of actuals

Indemnity

Compassionate Visit

$7,500

-

Indemnity

Study Interruption

$7,500

-

Student Sponsor protection

$10,000

-

Indemnity

Bail Bond

$5,000

-

Indemnity

Mental and nervous disorder***

$1,000

-

Indemnity

Alcoholism and drug dependency***

$1,000

-

Indemnity

In-patient pregnancy coverage****

$500

-

Indemnity

Inter-collegiate sport injuries

Up to the sum-insured

-

Indemnity

Policy Notes:

*Medical expenses would include all sickness/illness/injuries except as mentioned in the exclusions of policy wordings

**Dental treatments would only be giving for injuries to sound and natural teeth

***The payment for medical expenses will be limited to inpatient hospitalization of

more than 24 hours provided by a hospital / nursing home

****Medical Expenses related to pregnancy is subject to waiting period of 10 months

A) Following covers have been included in the Medical Expenses cover for this plans only and are not separate benefits, subject to the terms and conditions mentioned below.

  1. Childcare benefits 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 will be paid, subject to a maximum of 7 days 
  1. Cancer screening and mammographic examinations on recommendation from physician will be covered upto USD 2000 under medical expenses.
  1. HIV will be covered under the "Medical Expenses" as per the terms and conditions of the policy

B) Please note: Sublimits are not applicable in this plan

C)Please note that the PED cover would cover situations arising due to Life saving unforeseen emergency measures, or measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition (The treatment for these emergency measures would be paid till the insured becomes medically stable or is relived from acute pain. All further medical cost to maintain medically stable state or to prevent the onset of acute pain would have borne by the insured.)

Read out our cancellation and refund policy: https://studentcover.in/policies/

FAQ's

LOSS OF CHECKED-IN BAGGAGE

If the Checked-In Baggage of the Insured is permanently lost whilst in custody of the Common Carrier/ Public Carrier in relation to Trip covered, we will pay the Insured a pro-rated sum insured as specified in Part I of the Policy Schedule, for pieces of baggage lost.

Electronic Equipment Loss

The cover ‘Loss of Checked-in baggage’ can be extended to cover for any loss of electronic equipment, whilst in custody of the Common Carrier/ Public Carrier in relation to Trip covered whereby the insured is carrying the same in his baggage. We will indemnify the Insured for the cost of such electronic equipment after accounting for depreciation.

DAMAGE TO BAGGAGE DURING TRANSIT

If the checked-in baggage gets damaged during transit, then the Company would pay the insured a flat benefit amount as mentioned in the Part I of the Policy Schedule. This cover is meant only for damage to the baggage and not for the damage of individual articles contained in the baggage.

MISSED CONNECTING COMMON CARRIER/ PUBLIC CARRIER

The Company shall indemnify the Insured up to the Sum Insured amount as mentioned in Part I of the Policy Schedule in case of failure of the Insured to access the connecting flight/connecting journey through Common Carrier/ Public Carrier as per schedule, any time during the Trip within the Period of Insurance, arising out of and consequent upon the delayed arrival of the earlier flight / Common Carrier / Public Carrier caused by reasons beyond the control of the Insured.

Company shall reimburse the Insured:

1. The official cancellation charges, resulting from cancellation of the ticket in relation to the Missed Connecting Common Carrier / Public Carrier. 

2. Additional cost of transportation to proceed with the journey originally scheduled to have been covered by the Missed Flight/Common Carrier/ Public Carrier.

LOSS OF PASSPORT/ INTERNATIONAL DRIVING LICENSE:

In the event the Insured loses or damages his/her original passport or international driving license overseas due to robbery, burglary, theft or natural disasters etc. during the Trip covered under the Policy, the Company shall pay to the insured a fixed benefit amount as mentioned in Part I of the Policy Schedule.

TRIP CANCELLATION:

The Company shall indemnify the Insured for the financial loss incurred by the insured arising out of 

a. Cancellation of the trip following unexpected events, upto before the departure of the Trip solely attributable to and/or arising out of sickness or injury; 

b. Personal contingencies; 

c. Natural Calamities; d. A Terrorism / Terrorist attack; 

e. A Major Travel Event; 

f. Loss of Passport 

g. A Government advisory.

TRIP INTERRUPTION OR CURTAILMENT:

If there is a disruption to your Trip due to:

  1. Major Travel event, 
  2. Medical advice to discontinue the trip due to a serious injury or serious sickness; 
  3. Hijacking; 
  4. Unexpected death or injury or sickness of your Close Relative or your Travel Companion;
  5. Loss of passport due to theft/robbery/burglary etc.; 
  6. Quarantine upon medical advice preventing travel from Overseas; 
  7. Hospital confinement of self, travel companion or immediate family member whilst overseas

BAIL BOND

If the Insured is arrested or detained by the police/judicial authorities, and if the offence for which he is arrested or detained is bailable, then the amount upto the maximum specified Sum Insured against this cover in Part I of the Policy Schedule.

STUDY INTERRUPTION

The Company shall indemnify the Insured, the tuition fee in case the Insured Person having to repeat the semester due to:

  1. Hospitalization of the Insured for more than one consecutive month
  2. Discontinuation of studies due to death of any one immediate family member or the sponsor

Above insurance terms or definitions are just a brief explanation of the actual insurance coverage benefits given for the reference of the probable insureds. There may be more information to each of the terms.