Package Travel Insurance

Insurance means minimizing losses leading from the future risks and Travel insurance is a true testimony of that principle due to the fact it covers people from the probable losses when they are traveling abroad wherein, they are bound to experience some small or big mishaps due to the volatile nature of the traveling environment and the lack of control on it. When a travel insurance plan has the benefits of an exclusive ‘Travel + plans’ like the ones offered by Student Cover then it becomes the best thing for the travellers having goal of a smooth and worry-free travel experience.

Student Cover Travel Insurance

"Exclusive and Affordable Travel Insurance Plan"

Exclusive Travel + Plans from Student Cover

Student Cover has come up with top-of-the-line bundled insurance plans with travel benefits coverage as their torchbearer. These plans have been brought to the shore after an in-depth research and invaluable inputs gained from decades old market-rich and practical experience of the travellers

Why should I purchase “Travel Pro” plan??

Problem:
Aditya is all prepared to travel to US as an international student but fears the situation if his baggage & passport is damaged or lost as he is in the impression that even if he has insurance than also it is too complicated to get a satisfactory compensation.
Solution:
International students like Aditya should not be distressed under this situation if they have SC Travel Pro insurance plan with which students will get a complete compensation of $500 for Loss of baggage and $100 each for damage or delay of baggage with hassle-free no questions asked policy.

Info & Quotes
Why should I purchase “Dental Pro” plan??

Problem:
Aditi has a history of getting frequent tooth pain due to her weak oral health but now realizes that her international health insurance plan only covers for accidental injuries to sound teeth. She now is desperate need of a dental coverage to avoid paying hefty dental treatment costs in the US every time there is a tooth pain.
Solution:
Student Cover provides SC Dental Pro insurance plan covers medically necessary dental treatment costs upto $500 & $1,000 which may cover a follow-up treatment like root canal also.

Info & Quotes

SC TRAVEL PRO

#Covering the risk of losing Laptop like equipment
#Covering the risk of losing Passport & Baggage
#Covering expenses caused due to Trip misadventures
#Cheapest Travel Insurance in the market
#Ease of insurance claim with Student Cover
#Domestic Travel benefit

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Details

Underwriter: ICICI Lombard

Plan Category: Voyager Travel Insurance

Age Group: 16-35 Years

Coverage: Worldwide

Type: Roundtrip

Coverage days: 365 Days

BenefitsSIDeductibleBases of Claim Settlement
Loss of checked in baggageUSD 500NILBenefit
Ext: Loss of checked in - electronic equipmentUSD 500NILIndemnity
Damage to baggageUSD 100NILBenefit
Delay of Checked in BaggageUSD 1004 hrsBenefit
Missed connectionUSD 5003 hrsIndemnity
Loss of Passport & International Driving LiscenceUSD 200NILBenefit
Trip CancellationUSD 500NILIndemnity
Trip Cancellation & InterruptionUSD 500NILIndemnity
Bail BondUSD 10005% of actualsIndemnity
Study interruptionUSD 1000NilIndemnity

Policy Notes:

A) This policy applies to the customers of 'Student cover' who are traveling abroad on student visa only. The minimum age for the insured shall be 16 years, and the maximum age of the insured shall be 35 years.

B) Any claim under "Trip cancellation" and "Trip Interruption & Curtailment" due to or arising out of the on-going COVID-19 pandemic and/or any lockdown/advisory issued by govt on prevention of travel is not covered under this policy.

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

SC DENTAL PRO

#Covering the cost for essential dental expenses
#Coverage for sudden pain to sound and natural teeth
#No waiting period on any dental treatments
#Coverage up-to the sum-insured without limitations
#Provides additional benefits like Study Interruption and Bail Bond

Details

Underwriter: ICICI Lombard

Plan Category: Voyager Travel Insurance

Age Group: 16-35 Years

Coverage: Worldwide

Type: Roundtrip

Coverage days: 365 Days

Sum-Insured:

BenefitsSIDeductible
Dental TreatmentUSD 500USD 100
Bail BondUSD 1,5005% of actuals
Study interruptionUSD 1,500Nil

Policy Notes:

This policy applies to the customers of 'Student cover' who are traveling abroad on student visa only. The minimum age for the insured shall be 16 years, and the maximum age of the insured shall be 35 years.

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. 

How to Claim

Opting for Insurance can only be complemented by appropriate use of the Insurance plan so that the insured is able to utilize the full potential of the benefits offered by the Insurance plan.Given below are the steps to use Insurance plans which students should keep handy at all times to the best out of the Insurance plans.

A.Direct Billing (In case of Hospitalization)

Show your ICICI ID Card at the Hospital

Post-treatment, you might be asked to pay the plan Deductible

Call ICICI at +1 844 871 1200 or Student Cover claims team for further guidance or send an email on icicilombard@falck.com

Pay for the medications bill & follow the claim reimbursement process to get the refund of the same

Go to the nearest pharmacy for post treatment prescription drugs

Insurance co. will directly settle the bill with the medical provider

B. Claim reimbursement (In case of all treatments except hospitalization)

Get the needed consultation or treatment, after which provider may asks for the bill payment

Show your ID card and request to bill the insurance company for the same

In case provider does not agree, pay the bill amount*.

Time for Claim Settlement

Post document submission, claim would be settled and refund would be made in Indian bank within 30-45 business days

You will be requested to email some documents related to your treatment

Student Cover will completely guide you at this stage and will do all possible efforts to get your claim settled in a timely manner

Call ICICI at +1 844 871 1200 or Student Cover claims team for further guidance

Note: The above process does not guarantee any payments. It is always recommended to check the plan brochure/master policy certificate for the benefits and exclusions under your insurance plan. You can get in touch with us for more details.