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Reliance Student Medical Insurance

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.
Student Travel Insurance
Get best Reliance international student health insurance quotes
Coverage destination

Student date of birth
  OR age      years
Policy start date
Policy end date
  Total Days      days

Special Features

  • Pro-rata refund of premium if rejected by the University.
  • University Waiver Form will be facilitated by us.
  • Students already outside India can also buy the plan under special approval.
  • Covers Bail bond, study interruption, sponsor protection, 2 way compassionate visit of a family person.
  • US Dollars coverage while you pay in India Rupees.

Reliance overseas student insurance plans

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.
  • Plan available with non-medical expenses
  • Continuous Coverage upto a period of 2 years available
  • Suitable plan for a very shorter duration which is not recommended
  • Sum insured is US$50,000
  • Continuous Coverage upto a period of 2 years available
  • Basic plan with minimum coverage
  • Sum insured is US$1,00,000
  • Continuous Coverage upto a period of 2 years available
  • Affordable plan
  • Sum insured is US$2,50,000
  • Continuous Coverage upto a period of 2 years available
  • Affordable Plan
  • Sum insured is US$5,00,000
  • Continuous Coverage upto a period of 2 years available
  • Affordable Plan with high end cover
Advantages of reliance student insurance
  • 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
Student insurance policy does not cover (exclusions)
  • 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

Reliance Student Health Insurance Benefits

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 25,000 25,000 25,000 25,000 25,000 Nil
Accidental Death- Common Carrier   2500 2500 2500 2500 Nil
2 way Compassionate Visit 7,500 7,500 7,500 7,500 7,500 Nil
Loss of Passport 100 100 100 200 200 25
Total Loss of Checked Baggage* 1,000 1,000 1,000 1,000 1,000 100
Personal Liability 100,000 100,000 100,000 150,000 150,000 200
Bail Bond 1,000 500 1,000 5,000 5,000 50
Study Interruption 10,000 10,000 10,000 10,000 10,000 Nil
Sponsor Protection 10,000 10,000 10,000 10,000 10,000 Nil
*Total loss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in , is 50% (100% for only one checked in baggage ) of applicable sum insured and per item in baggage max 10%

Coverage Description Sum Insured(In USD) Deductibles(In USD)
Add on Benefits
Treatment of Mental and Nervous Disorders including Alcohol and Drug Dependency $1,000 $100
Inpatient Hospitalization expenses related to Pregnancy/Child birth (After a waiting period of 10 months) 5$00 Nil
Medical Expenses for Inter collegiate sports injuries Covered under the Medical Expenses including Transportation & Repatriation benefit -
Cancer Screening and Mammographic Examinations $2,500 Nil
Child Care Benefits $100 per day for a maximum of 10 days Nil
Additional add on benefits
Applicable on a case-to-case basis and subject to specific approval
Chiropractic Treatment $1,000 Nil
Physiotherapy $500 Nil
Skilled Nursing Facil $500 Nil

Reliance Student Insurance useful links

How to buy online?
How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Already outside India
Student outside India

Student medical insurance for Indian students already outside India.

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Online renewal
Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify Reliance by contacting them.

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    Bangalore - 560 034.
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