Study Interruption

In case a student on account of illness is unable to complete the course he/she has to forfeit the fees for the duration he/she could not attend classes then the company will reimburse for the fees paid for that duration.

Sponsor Protection

In case a student has chosen to come using the sponsor route, if his/her sponsorship is terminated on account of death of sponsor, he or she may have to discontinue studies. This Cover provides Sponsorship protection by offering the necessary financial liability required.

Medical Expenses (inclusive of repatriation and emergency medical evacuation)

This cover will reimburse for the expenses incurred for availing immediate medical assistance required on account of any illness or injury sustained or contracted whilst on a trip abroad but not exceeding the Sum Insured for the coverage as agreed under the Plan.

Dental Care Expenses

This cover will reimburse for the expenses incurred in respect acute anesthetic treatment of a natural tooth or teeth during a trip, but not exceeding the Sum Insured as specified in the policy wordings.

Personal Accident

This cover shall compensate the Insured or his/her nominee or legal representatives, as the case may be, for accidental bodily injury (whilst on a trip covered by this Policy) solely and directly caused by accidental, violent, external and visible means resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 calendar months of occurrence of such injury.

Accidental Death and Permanent Total Disablement

This cover will pay compensation up to the limit of the Sum Insured for this benefit as specified in the policy wordings if accidental injury to the Insured results in loss of life or permanent total disablement while riding as a passenger (but not as a pilot operator or member of the crew) in a common carrier.

Compassionate Visit

In case the insured person is hospitalized for more than seven consecutive days then he can claim for the below mentioned expenses:

1. A return trip economy class air ticket, or first class railway ticket, to allow one
   immediate family member, to be at his/ her bedside for the duration of stay in
   the Hospital; and
2. Expenses towards stay of the immediate family member during such compassionate visit

This section also provides for the reimbursement of the cost of return fare for the insured to visit his/her native place in India, in the unfortunate event of the immediate family member (spouse, dependent children, parents) being hospitalized for more than seven consecutive days in India or in the event of death of the immediate family member (spouse, dependent children or parents).

Loss of Passport/Documents

Provides reimbursement of actual expenses incurred for obtaining a duplicate or fresh passport, traveller’s cheque or other such documents in the event of its loss.

Total Loss of checked - in Baggage

Covers total loss of checked baggage caused by a common carrier (i.e. airline, coach operator, Ferry Company etc.) Valuables, if any, can also be covered if declared specifically and agreed to by the Insurer.

Delay of checked - in Baggage

Provides compensation for reasonable expenses incurred for the purchases of toiletries, clothing and medication due to a delay of checked-in baggage for specified number of hours, as mentioned in the Policy Wordings.

Daily Allowances in case of Hospitalization

This cover will pay a daily allowance, in the event of hospitalization of the insured beyond a specified number of days as mentioned in the policy wording as deductible, for which a valid claim is admissible under the policy whilst on trip abroad.

Personal Liability

Provides compensation for third party liability payable to a third party in case of injury or damage to property of third party that is caused by you.

Bail Bond

This cover will provide the payment of bail amount to the appropriate authority/court on behalf of the Insured/ Insured Person if the Insured/ Insured Person is arrested or detained by Police or Judicial authorities, for any bailable offence whilst on a trip abroad covered by this policy up to the limits specified in the policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.

Legal Expenses

This cover shall pay the legal costs and expenses incurred by the insured or the legal representative of the insured, as the case may be, towards claims for from third parties for compensation for accidental death or disablement arising due to an injury, whilst on a trip abroad, up to the limits specified in the Policy wordings. This cover is only applicable for USD 300,000 and USD 500,000.