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Student Medical Insurance provides cover against unexpected medical and non-medical expenses during your study abroad. To provide quality health care overseas, ICICI Lombard have partnered with UnitedHealth Group (leading US-based Health Care provider), thus providing you access to it's network of hospitals and physicians in United States.
ICICI Lombard has partnered with leading US-based Health Care provider UnitedHealth Group, to provide better health care benefits and services to be availed when in the US and accepted by most of the foreign universities as a substitute for their compulsory insurance.
ICICI Lombard Student Mediclaim Insurance - Coverage Benefits
| Coverages |
Gold |
Bronze |
| Medical Cover* |
US$ 50,000 to 500,000 |
- |
| Dental Treatment |
US$ 250 |
US$ 250 |
| Passport Loss** |
US$ 200 |
US$ 200 |
| Checked-in Baggage Loss |
US$ 1000 |
US$ 1000 |
| Personal Accident |
US$ 15,000 |
US$ 15,000 |
| Personal Liability |
US$ 100,000 |
US$ 100,000 |
| Bail Bond |
US$ 5,000 |
US$ 5,000 |
| Study Interruption |
US$ 7,500 |
US$ 7,500 |
| Sponsor Protection |
US$ 10,000 |
US$ 10,000 |
| 2 Way Compassionate Visit |
US$ 7,500 |
US$ 7,500 |
| Repatriation of remains |
Up to Medical Sum Insured |
- |
* Deductible of US $ 100 - Applicable for each separate claim
** Deductible of US$ 50 - Applicable for each separate claim
Student Medical Insurance Plus Plan is an add - on plan that can be bought in addition to the Gold or the Silver plan. It covers treatment for mental and nervous disorders, including alcoholism and drug dependency, in-patient medical expenses related to pregnancy, medical expenses for inter-collegiate sports injuries, cancer screening & mammography examinations and childcare benefits. |
ICICI Lombard Student Insurance Plans:
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Gold Plan |
- Gold Plan covers medical expenses, dental treatment, repatriation of remains etc.,
- Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.
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Bronze Plan |
- Bronze plan covers bail bond, study interruption, sponser protection etc.,
- Available for the age between 16 - 35 years
- Policy coverage is available for continuous 2 years
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Plus Plan |
- Plus plan covers Treatment for mental and nervous disorders, In-patient medical expenses related to pregnancy, Medical expenses for inter-collegiate sports injuries, Cancer screening and mammography expenses, Childcare benefits
- Policy coverage is available for continuous 2 years
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ICICI Lombard Student Insurance - features
Student medical insurance makes sure that your study and stay abroad is smooth. There are several reasons why a student medical insurance is necessary:
- Medical insurance is mandatory for most foreign universities including popular destinations like Australia, US, Canada, New Zealand, etc.
- Majority of universities abroad allow waiver from on-campus health insurance with comparable domestic insurance policies
- Available at 1/3rd the university premiums abroad, ICICI Lombard Student Medical covers major medical, repatriation, evacuation, dental expenses, etc. and can be combined with the Plus Plan for additional coverages like medical expenses related to pregnancy, Mental disorders, Cancer screening, Mammography and Sports injuries.
ICICI Lombard Student Insurance - Extensions
Student Medical Insurance is now available with a continous cover for 2 years, thereby covering your entire period of study without extension hassles. You may also opt for the regular 1 year policy and then extend if required to the second year. You can extend your policy three months in advance of expiry.
ICICI Lombard Student Insurance - Claims
There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.
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