Students registered for their higher studies in overseas universities need to have health insurance cover to meet the university requirements. Reliance General Insurance provides an unique plan Reliance student travel insurance which satisfies the overseas universities insurance requirements. This insurance covers not only for medical expenses but also for non medical expenses.
Insurance plan is available in different options based on the students needs. The student can opt for very basic plan with no medical cover just for few days or a month and later get insurance cover from the respective university where it is mandatory to get university insurance. Plan also gives flexibility in chosing the plan for a student by giving add-on benefits. The student can buy this insurance either with Add-on benefits or without Add-on benefits depending on his university requirements.The student can buy reliance student policy online for continuous 2 years at one stretch and stay insured.Custom made plans to suit university requirements
Insurance Coverage available in multiple options. (Platinum Plan-$500,000 coverage, Gold Plan - $250,000 coverage, Silver Plan - $100,000 coverage & Standard Plan - $50,000 coverage)
There is a basic plan available in Reliance student insurance plan without medical benefits. This plan is more suitable for students whose universities make it mandatory to get university insurance. They can be insured with this plan till they insurance cover from their university.
Reliance student medical insurance can be purchased for a maximum of 2 years at a time
Reliance student policy offers Add-on benefits with nominal excess premium where a student can choose the reliance student plan with add-on or without add-on depending upon his university requirements
Covers pre-existing situations in case of life threatening situations only
Emergency Medical Expenses (not available for basic plan)
Emergency Medical Transportation or Evacuation & Repatriation of Mortal Remains
Emergency Dental Treatment (not available for basic plan)
Personal Accident & Compassionate Visit
| Coverage Benefits in US$ | Basic | Standard | Silver | Gold | Platinum | Deductibles |
| Medical Expenses including transportation and evacuation | 50,000 | 100,000 | 250,000 | 500,000 | 50 | |
| Dental Care Expenses | 500 | 500 | 500 | 500 | 50 | |
| Personal Accident | 25000 | 25000 | 25000 | 25000 | 25000 | Nil |
| AD & D - Common Carrier | 2500 | 2500 | 2500 | 2500 | Nil | |
| 2 way Compassionate Visit | 7500 | 7500 | 7500 | 7500 | 7500 | Nil |
| Loss of Passport | 100 | 100 | 100 | 200 | 200 | 25 |
| Total Loss of Checked Baggage* | 1000 | 1000 | 1000 | 1000 | 1000 | 100 |
| Personal Liability | 10000 | 10000 | 10000 | 15000 | 15000 | 200 |
| Study Interruption | 1000 | 500 | 1000 | 5000 | 5000 | 50 |
| Bail Bond | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | Nil |
| Sponsor Protection | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | Nil |
Policy does not cover:
Events occurring before the start/outside policy period
Medical treatment abroad being the sole reason or one of the reasons for temporary stay abroad
Any claim if the Insured Person
is traveling against the advice of a physician
is receiving, or is on a waiting list to receive, specified medical treatment
has received terminal prognosis for a medical condition
is taking part in a naval, military or air force operation
Deductibles as specified in the Schedule
Any claim arising out of diseases, illnesses or accidents that the Insured Person has caused intentionally or by committing a crime or under the influence of intoxication
Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss attributable to HIV or any related illness or mutant derivative or variations
War and nuclear perils or Any act of terrorism
Any claim arising out of sporting activities of professional or semi-professional nature, unless declared beforehand & additional premium paid
