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.

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Coverage destination

Including USA & Canada
Excluding USA & Canada

No. of traveler

Traveler date of birth

OR age years

Policy start date

Policy end date

Total Days days

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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 student 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.

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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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

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

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