Reliance Student Medical Insurance premium calculator, Premium for overseas student health insurance

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.

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