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    Travel Insurance

    Student Travel Insurance

    Key Features

    From campus to continents, we've got you covered

    Coverage Highlights

    Unique Propositions:
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    • Affordable Travel plan

    Affordable Travel plan to travel overseas without worries

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    • Entry Age

    Entry age from 6 Months to 75 Years

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    • Comprehensive Coverage

    covers all medical eventualities including hospitalization and other incidental expenses at a fraction of the amount

    Key Inclusions

    What is covered?
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    • Personal Accident

    Covers Death, Permanent Total Disability, if sustained due to Accidental Bodily Injury

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    • Accidental Death & Disability- Common Carrier (AD&D)

    Covers Permanent Total Disability, or Death of Insured caused solely by Accidental Injury while travelling in Common Carrier

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    • Medical Expenses and Medical Evacuation and Repatriation

    Covers medical expenses for admissible illness/Accidental Injury , evacuation to india or Repatriation of Mortal Remains

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    • Hospitalization Daily Allowance

    provide Daily Allowance for each continuous and completed period of 24 hours of Hospitalisation

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    • Trip Cancellation

    Cover costs that have been paid or are payable and cannot be recovered if Your trip is completely cancelled.

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    • Loss of Checked-in Baggage

    provides compensation if the airline loses Your checked in baggage

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    • Delay of Checked-in Baggage

    Provides fixed benefit in case the airline delays Your checked-in baggage.

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    • Personal Liability

    Covers legal liability incurred to pay damages for third party Civil arising out of Accidental Bodily Injury or Accidental Property Damage occurring during an Insured Journey.

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    • Loss of Passport

    Covers cost of duplicate passport in event of loss of passport

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    • Trip Delay

    Covers trip delay for any trip booked to travel from and/or Republic of India.

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    • Golfer’s Hole-in-one

    Covers celebration on achieving a Golfers hole-in-one at any (USGA) recognized golf course

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    • Trip Curtailment

    Covers loss arising due to cancellation of personal accommodation or travel charges paid due to necessary and unavoidable curtailment of Insured Journey.

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    • Home Burglary Insurance

    Covers loss of or damage to contents of insured's home in India caused by actual or attempted Burglary and/or Robbery

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    • Emergency Cash Benefit

    Assistance service when the insured person requires emergency cash following incidents like theft/burglary of luggage/money

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    • Hijack

    Allowance in case flight is hijacked

    Exclusions

    What’s not covered?
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    • Pre-existing Condition

    Pre-existing Condition(s) and complications

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    • Influence of liquor

    influence of liquor or drugs , alcohol or other intoxicants

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    • Routine Examination

    Any routine physical or other examination, vaccination, vitamins where there is no objective indication of impairment of normal health

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    • Self Inflicted Acts

    Self-injury, illegal activities, hazardous activities and more

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    • Criminal or unlawful act

    The Insured Person’s actual or attempted engagement in any criminal or other unlawful act.

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    • Non passenger flights

    The Insured Person engaging in air travel unless he flies as a passenger on an Airline

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    • Sanctioned Travel

    Travel to any country against whom the Republic of India has imposed general or special travel restrictions

    Add-On Covers

    Enhance your coverage with these Add-ons
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    • Family Visit

    Covers reimbursement of the actual cost of a family member, In the event if the insured is hospitalized as a result of an accidental injury or sickness covered.

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    • Accident to Sponsor

    Covers reimbursement of remaining school fee, In case the sponsor named in the schedule meets with an accident during the policy period, which results in his death or permanent total disability during the policy period

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    • Tuition Fee

    Covers reimbursement of tuition fee paid in advance for the current semester If the insured is unable to continue the school semester due to Serious medical condition of insured or either of the parents of the insured

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    • Loss of Laptop

    Covers the loss incurred due to Theft of laptop during the journey abroad

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    • Bail Bond Insurance

    Covers costs towards the bail amount for release, if the insured is arrested for any inadvertent law breaking

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    • Personal Accident Cover in India

    Covers Personal Accident costs if the insured person gets injured while traveling from home to the airport on the day of departure from India or from the airport to home on the day of arrival back in India. The injury must be the direct cause of death or permanent total disability within 12 months.

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    • Bounced Hotel

    Covers expenses relating to transportation to the alternative hotel, cost of up gradation to a superior class of hotel if required

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    • Difference in airfare due to delayed or early return

    Covers fare difference for economy class return ticket if the insured returns back to India before or after the scheduled date of return, due to illness or accident

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    • Missed Connection

    Covers reimbursement cost if the air craft on which the insured is booked to travel from India is delayed beyond 12 hours than the original scheduled arrival time at the destination of the connecting flight resulting in the insured missing the connecting flight

    What is Student Travel Insurance?

    Student travel insurance is a long-term insurance policy that acts as a financial safety net for every student to stay and study abroad. This safeguards students to deal with international academic and healthcare bills. Students can receive coverage against sudden risks, from loss of tuition fees to emergency hospitalisation.

     

    Studying abroad brings exciting opportunities, but it also comes with several challenges. Students often need time to adapt to a new culture, environment, and lifestyle while coping with being away from home. Managing living expenses, tuition fees, and daily costs within a limited budget can also be difficult. To ensure these challenges do not disrupt their education or create unexpected financial burdens, it is important to have student travel insurance that provides financial protection throughout their overseas journey.

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    Quick Overview of Student Travel Insurance

    • 1

      Wide Global Network: Policyholders can access a wide network of hospitals, assistance, and healthcare providers across India and abroad. 

    • 2

      Affordable Pricing: Students can purchase study abroad travel insurance at an affordable premium without compromising on their coverage requirements. 

    • 3

      Customisable Facility: Tailored international student travel insurance policies for academic requirements, specific destinations, and students' personal preferences. 

    • 4

      Top Study Destination: Bajaj student travel insurance offers coverage for global destinations like the UK, USA, Germany, and Australia. 

    • 5

      Extensive Coverage: It covers flight delays, missed flights, checked baggage loss, study interruptions, medical expenses, family visits, and sponsor loss. 

    • 6

      Student-Centric Claim: Bajaj General Insurance commits to a smooth, hassle-free claim process to ensure students receive timely coverage during emergencies and no disruption in their academic routine. 

    • 7

      Add-on Covers: You can get additional coverage, such as baggage lost and trip delay benefits in a dedicated student travel insurance plan.  

    • 8

      Online Application: The student travel insurance application process is completely digital, and no pre-medical test is required, thus making the process quick. 

    Read More

    What are the Different Plans Under Our Student Travel Insurance Policy?

    Travel Prime Student Insurance Plan

    Students can choose “Travel Prime Student Insurance”, a special plan for individuals travelling abroad to study. This best student travel insurance covers hospitalisation, including medical evacuation, personal accident, baggage loss, emergency dental pain, and tuition fee support. 

    View Plans Know More

    Student Elite Travel Insurance Plan

    Student Elite Insurance is a cost-effective and comprehensive overseas travel plan, categorised into Gold, Silver, and Standard. This plan covers travel inconvenience, study interruptions, and medical emergencies to meet students’ international university requirements.

    View Plans Know More

    Study Companion Travel Insurance Plan

    The study companion travel insurance policy covers medical emergencies of the students while studying abroad. Students travelling overseas for study can customise the plan. Study Companion student plans reimburse the maximum amount of semester tuition fees, serious medical conditions, and hospitalisation.     

    View Plans Know More

    Why Choose Bajaj General Insurance for Student Travel Insurance?

    Individuals planning to study abroad need financial support to deal with travel and health expenses. Here are the reasons why choosing Bajaj General’s student travel insurance facilitates peace of mind.

    • Help Cashless Medical Worldwide

      You do not pay cash during a medical emergency. Basically, Bajaj General Insurance settles the insured person’s hospital bills directly with network providers worldwide. Hence, you and your family can focus on recovery without stressing over urgent money arrangements.

    • Refund Tuition Fee

      If a serious illness or any bodily injury stops you from completing your current semester, the Bajaj General student travel insurance reimburses the semester's tuition fees. This protects your family from a big financial loss.

    • Support 24/7 Emergency

      You get round-the-clock help for any travel, health, or passport issues. Telecommunication can connect you to our team that assists in finding network hospitals, making claims, and arranging medical care and evacuation.

    • Offers Student-Friendly Cost

      Premiums stay affordable for students for a 1-year to a long 3-year policy period. You get broad protection without paying a high price, keeping foreign education within reach.

    • Support Family Visit

      If you stay in a hospital abroad for more than a set period, the plan covers the travel costs for a family member's visit. This international student travel insurance keeps loved ones close during tough times.

    • Gives Sponsor Protection

      If your study or university fee sponsor dies in an accident or faces permanent disability, the policy reimburses the remaining overseas university fees. There will be no interruption in your academic journey.

    • Offers a Wide Age Range

      Individuals aged 16 to 35 years planning to study in an international institution can buy this cover, so it works for school trips, college, and higher studies.

    • Accessibility Fully Online

      You can get a quote, pay, and download the policy 100% online. Moreover, by providing necessary documents, including health reports, hospital bills, or police reports, online from your phone, you can complete seamless claims.

    Student Travel Insurance at a Glance

    To support the students who desire to go abroad to study, a student travel insurance plan provides comprehensive coverage for journeys and emergency medical care. Bajaj General Insurance offers an array of the best travel insurance for students studying abroad. Here is a picture of what it covers.

    Sr. No. Features What is it?

    1

    Medical Emergencies

    It covers emergency hospital bills for any injury or illness during your trip. It also pays to evacuate you to your home country if a doctor advises it.

    2

    Personal Accident Cover

    This plan gives financial support to your family if an accident abroad causes death or total permanent disability.  

    3

    Tuition Fee 

    In case students stop their semester due to any illness, travel insurance for students studying abroad will refund tuition fees. It pays the remaining university fees if the student faces total disability or their sponsor dies.

    4

    Dental Care

    Best student travel insurance provides up to USD 500 for urgent dental care while you study abroad.

    5

    Liability Coverage

    International student travel insurance covers third-party claims if the insured student accidentally damages others’ property or injures someone. Protection against compensation costs or legal charges abroad.

    6

    Emergency Dental Care

    Best student travel insurance provides up to USD 500 for urgent dental care while you study abroad.  

    7

    Checked Baggage Loss

    The policy pays you to buy books, clothes, and essentials if the airline destroys or loses your checked baggage.  

    Features of Student Travel Insurance

    The student travel insurance plan from Bajaj General Insurance offers unique features to deal with every challenge students may face abroad while studying. 

    Why Do I Need Student Travel Insurance?

    • 1

      High Medical Expenses: Healthcare in foreign countries is very expensive. Doctor consultations, disease treatment, and hospital bills can run into thousands of dollars. However, international student travel insurance ensures cashless treatment abroad. 

    • 2

      Meet Legal Requirements: Many countries, including the USA, European countries, and Australia, require proof of travel insurance for student visa issuance. Without study abroad travel insurance, you can’t plan your studies abroad.

    • 3

      Study Specific Protection: To get tuition fee protection if a serious illness or family emergency forces you to cut short the semester. 

    • 4

      Travel-Related Risks: Student travel insurance compensates for emergency accommodation and essentials like clothes and toiletries if your flight gets delayed or cancelled.

    Read More

    Student Travel Insurance vs Normal Travel Insurance: What’s the Difference?

    Student travel insurance covers sponsor protection and tuition fee protection, along with coverage for travel-related issues. On the contrary, normal travel insurance covers your travel-related medical emergencies and trip interruptions. Here are the main differences:

    Features Student Travel Insurance Normal Travel Insurance

    Key Purpose

    It has specific coverage for students planning to study abroad and provides coverage for a maximum of 3 years of stay, academic support and medical care. 

    Normal travel insurance plans only cover the common travel-related challenges like flight delays and trip cancellations. It does not support students in studying abroad.

    Coverage Duration

    Long-term policy for students, duration is 1 year to a maximum of 3 years. 

    Short-term policy duration for travellers, from days to a month. 

    Medical Coverage Scope

    Includes dental care, mental health support, emergency treatments and accidental injuries. 

    Sudden emergency accidents or illnesses. 

    Eligibility

    Travellers going for business or tourism purposes. 

    Full-time students travelling abroad for education. 

    Premium Range

    Varies by destination country, course duration and additional requirements. 

    Based on your age, trip length and destination. 

    Additional Protection

    Trip cancellation, baggage loss, passport loss and sports activity coverage. 

    Sponsor protection, Emergency family visit, tuition fees, loss of laptop and coverage for airfare differences due to delayed or early return.

    What are the Most Common Student Travel Destinations?

    • 1

      United States: Most Indian students head to the US. You find top schools like MIT, Harvard, Stanford, Yale, and Caltech.

    • 2

      United Kingdom: The UK attracts students with 1-year master’s degree courses, post-study work visas, and famous universities such as Oxford and Cambridge.  

    • 3

      Germany: Public universities in Germany charge no tuition fees. Students can choose any program from 2,000+ English courses in STEM, IT and business industry.

    • 4

      Ireland: Ireland has globally popular universities, close links with industries, global companies, and lower living costs. Students can easily find a job after finishing their studies.   

    • 5

      France: France runs 1,700+ academic courses and offers 500+ scholarships for Indian students. Over 570 French firms in India prefer French graduates, so grab the opportunity.  

    • 6

      Canada: Canada impresses students with its clear immigration paths, a diverse culture, and top schools like the University of Toronto and McGill.  

    Read More

    How Does Student Travel Insurance Work?

    Once a student chooses the destination country to study, every student must know how the policy works so that they can use the coverage benefits properly during emergencies.
    1
    Buy your plan online before you travel and get the policy document right away.
    2
    Inform immediately, calling Bajaj General Insurance’s 24/7 helpline if you face any medical emergency abroad.
    3
    Find and get admission to a network hospital, and the student travel insurance pays the bills directly. You do not have to make a cash payment.
    4
    If you use a non-network hospital, pay the bill first. Then send documents, hospital bills, reports, and medicine receipts online for reimbursement.
    5
    For flight delays, trip cancellations, lost baggage, or a lost passport, you can file a claim on the portal with proof
    6
    Remember to upload all papers online and track your claim status easily.
     

    What are the Common Reasons for Student Travel Insurance Claim Rejection?

    • 1

      Missing Requirements: Bajaj General Insurance rejects student travel insurance claims if you skip receipts, medical bills, or police reports that prove loss.

    • 2

      Uploading False Claim Details: Giving false details in student travel insurance claims causes instant rejection or long delays. You must give facts on forms.

    • 3

      Hiding Medical History: Hiding your past health history can affect your international student travel insurance coverage. You must declare any pre-existing illness and medicine routine (if any). 

    • 4

      Cancelling Travel Overseas: Study abroad travel insurance covers airline faults or bad weather only. So, cancelling for personal plans leads to claim rejection.   

    • 5

      Travelling to Restricted Locations: Your student travel insurance will not cover you if you visit countries India restricts. Hence, check advisories before booking tickets.

    • 6

      Incomplete Claim Form: If you mistyped dates, filled out the wrong policy numbers, or submitted incomplete forms, travel insurance claims for students studying abroad will be rejected. 

    Read More

    Eligibility Criteria to Buy a Bajaj General Insurance Policy

    Every student must meet the eligibility criteria for student travel insurance plans, including age limit, document requirements and enrollment instructions. Here is the list.  

    Eligibility Description

    Age Requirement 

    Students' travel insurance policy applicants must be between 16 and 35 years old. 

    Nationality 

    All students must have Indian residency.

    Status

    Applicants have to provide proof of confirmation or enrolment in a renowned institution, university or course abroad.  

    Purpose of Travel

    Students must pursue full-time higher education courses, post-graduation, undergraduate or doctorate in an international university. 

    Medical Requirements

    Pre-medical tests are not required for young students. However, declaring any existing medical condition helps you to get easy coverage in case of any issues. 

    Documents 

    Need to upload valid passport, student visa, enrolment proof or overseas university offer letter, including confirmed travel tickets.

    Step-by-Step Guide

    To make sure that we are always listening to our customers

    How to Buy

    • 1

      Download the Bajaj General App and use your login credentials

    • 2

      Select the travel insurance option by providing necessary details

    • 3

      Allow the application to process your information & get quotes

    • 4

      Choose the plan aligning with your travel itinerary & include add-ons

    • 5

      Finalise the plan selection and complete the payment process

    • 6

      Insurance policy & receipt will be promptly delivered to your email ID

    How to Extend

    • 1

      Please reach out to us for policy extensions

    • 2

      Phone +91 020 66026666

    • 3

      Fax +91 020 66026667

    Cashless Claim

    • 1

      Applicable for overseas hospitalization expenses exceeding USD 500

    • 2

      Submit documents online for verification.

    • 3

      Upon verification Payment Guarantee to be released to the hospital

    • 4

      Please complete necessary formalities by providing missing information

    Reimbursement

    • 1

      On complete documentation receipt, reimbursement takes approx. 10 days

    • 2

      Submit original copies (paid receipts only) at BGIL HAT

    • 3

      Post scrutiny, receive payment within 10 working days

    • 4

      Submit incomplete documents to our document recovery team in 45 days

    • 5

      Policy deductible will be applicable as per policy copy

    Download Policy Documents

    Students can download the policy documents, including the student travel insurance brochure, proposal forms, policy wording, and other documents, in a quick and simple process from the official portal or mobile app of Bajaj General Insurance.

    FAQ's

    What is Student Travel Insurance?

    Student Travel Insurance is a kind of insurance policy offered by insurance companies, tailored for students who wish to study abroad.

    Who can buy Student Travel Insurance?

    Any student who wishes to pursue higher studies abroad or needs to travel abroad for higher academics in a foreign country can buy Student Travel Insurance.

    Is it necessary to have student travel insurance?

    No. It’s not necessary to have Student Travel Insurance. However, some Universities across the globe where you enrol for higher education make it mandatory for every foreign student to have student travel insurance.

    Also, it's financially prudent to opt for it when you go abroad to protect yourself financially in case of any unpleasant event, such as loss of passport, medical emergency, loss of baggage, etc.

    How can I avail of Student Travel Insurance?

    You can avail of Student Travel Insurance online. Just visit our website, fill out the online application form, make the payment, and you are done. It's quick, seamless and hassle-free.

    When should I buy Student Travel Insurance?

    Ideally, you should buy Student Travel Insurance when you go abroad and need to stay for a certain period of time for your education. Depending on the course you choose, a foreign stay can range from a year to three years. In other words, you should get this insurance for the number of years you are abroad.

    How does a Student Travel Insurance Policy benefit me?

    A Student Travel Insurance policy has multiple benefits. Medical expenses are much higher in a foreign country than they are in India. In case you face a medical emergency abroad, it can burn a big hole in your pocket. Having this policy takes care of the hospitalisation expenses.

    It also covers financial losses incurred due to the loss of baggage or a passport during your stay. In case you suffer any bodily injury, the policy bears the cost of your treatment. These are some of the readily available benefits of having this policy.

    On what factors does the premium amount depend?

    The premium amount depends on the type of plan you choose, the sum insured, and the add-on features. Ideally, you should choose a plan that best suits your needs and gives you all-around protection.

    Can I be issued more than one policy for the same trip?

    No. You will only be issued one policy for your journey.

    What happens in case the overseas stay is extended?

    In case your overseas stay is extended for reasons beyond your control, you must immediately reach out to us. We will accommodate the extension, for which you need to pay an additional premium.

    What is the best travel insurance for students studying abroad?

    The best travel insurance for students studying abroad includes comprehensive coverage for health, travel, and study-related risks. Bajaj General Insurance Limited offers plans with affordable premiums and robust benefits, ensuring students have reliable support during their international education.

    What coverage does international student travel insurance typically include?

    International student travel insurance covers medical emergencies, academic interruptions, travel delays, and lost belongings. Bajaj General Insurance Limited plans to ensure comprehensive protection for students.

    What is the policy period?

    Generally, the policy period ranges from 1-3 years. This can be further extended for 1 more year.

    What is deductible?

    Deductible is a cost-sharing model whereby the insurer is not liable to pay a specified monetary amount or the benefits of the policy kick-in after a specified time period. Note that a deductible doesn’t reduce your sum insured.

    It simply means that you will have to bear a certain portion of the expenses out of your own pocket. Our Student Prime Plan has deductibles under certain sections.

    How do I make a claim on my policy?

    Making a claim is really easy. All you need to do is call our helpline number and intimate us regarding your claim. Our executives start the claim initiation process as soon as it’s received. Do remember to keep your policy details, passport number etc., with you while raising a claim.

    Our executives will tell you about the documents you need to substantiate your claim. We settle your claim within Y hours.

    How can I find affordable student travel insurance without sacrificing essential coverage?

    Finding affordable student travel insurance requires evaluating options that balance affordability with essential benefits. Bajaj General Insurance Limited offers budget-friendly plans that include critical coverage like medical expenses, travel disruptions, and study continuation support.

    Do I need specific travel insurance for studying abroad, or will standard travel insurance work?

    Standard travel insurance often lacks the specialised benefits needed for students. Bajaj General Insurance Limited’s student travel insurance plans address academic and travel-specific risks, making them ideal for students studying abroad.

    Is there a difference between student travel insurance and study abroad travel insurance?

    Yes, student travel insurance focuses on academic-specific needs, such as tuition fee reimbursement and study interruptions. Study abroad travel insurance may include broader travel benefits, but Bajaj General Insurance Limited combines these features into one cohesive plan for students.

    Are there options for annual travel insurance specifically for students studying abroad?

    Yes, Bajaj General Insurance Limited offers annual student travel insurance policies that cater to extended academic periods. These plans provide consistent health, travel, and academic protection, ensuring peace of mind for students and their families.

    What’s the minimum and maximum age for buying travel insurance for students?

    Students can buy a travel insurance policy between the age of 16-35 years as per the policy terms.

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    What Our Customers Say

    Stress-Free Journeys

    Bajaj General travel insurance ensures my parents travel stress-free with great medical & trip coverage!

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    Rakesh Agarwal

    Chennai

    5

    31st Jan 2025

    Great coverage option

    Hassle-free international travel coverage for senior citizens—must-have for every trip!

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    Pune

    5

    31st Jan 2025

    Great coverage option

    Travel worry-free! This insurance covers trip cancellations, baggage loss & medical needs.

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    Mumbai

    5

    31st May 2025

    Good customer support

    Easy purchase & excellent customer support for senior citizen travel insurance.Highly recommend!

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    Pune

    5

    31st May 2025

    Great coverage option

    Great coverage for medical emergencies & flight delays—essential for elderly travelers.

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    Ahmedabad

    5

    31st Jan 2025

    Great Senior citizen coverage

    My senior parents had a smooth experience abroad, thanks to Bajaj General travel insurance!

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    Shivani Singh

    Paromik Bhattacharyy

    5

    31st Jan 2025

    Best student travel insurance

    Bajaj General makes travel insurance stress-free—best for students!

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    Pappu Kumar Singh

    Delhi

    5

    29th Jan 2025

    Great coverage option

    Smart functionalities such as travel alerts & policy tracking. An absolute must-have!

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    Daniel Paul

    Surat

    5

    29th Jan 2025

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