Reliance Student Medical Insurance

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  • Entire Premium Refunded if Rejected by University
  • Offer School Waiver Form
  • Personalized support provided
  • Including Americas Excluding America
  •   OR age      years
  •   Total Days      days

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.
Basic Plan 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
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  Standard Plan Sum insured is US$50,000
Continuous Coverage upto a period of 2 years available
Basic plan with minimum coverage
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  Silver Plan Sum insured is US$1,00,000
Continuous Coverage upto a period of 2 years available
Affordable plan
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  Gold Plan Sum insured is US$2,50,000
Continuous Coverage upto a period of 2 years available
Affordable Plan
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    Platinum Plan Sum insured is US$5,00,000
Continuous Coverage upto a period of 2 years available
Affordable Plan with high end cover
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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