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Reliance vs Cholamandalam international student insurance

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Reliance logo Reliance logo Reliance logo Reliance logo Cholamandalam logo Cholamandalam logo Cholamandalam logo
Student Standard
Student Silver
Student Gold
Student Platinum
Student Silver
Student Gold
Student Platinum

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Accident & Sickness Medical Expenses
$50,000             Deductible: $50 $100,000             Deductible: $50 $250,000             Deductible: $50 $500,000             Deductible: $50 NA NA NA
Medical Evacuation
Not Avaliable Not Avaliable Not Avaliable Not Avaliable Included Included Included
Repatriation of Remains
Not Avaliable Not Avaliable Not Avaliable Not Avaliable $7,500 $7,500 $7,500
Personal Accident
$25,000 $25,000 $25,000 $25,000 Not Avaliable Overseas: $25,000 Domestic: Rs.2 Lakh Overseas: $25,000 Domestic: Rs.2 Lakh
AD & D Common Carrier
$2,500 $2,500 $2,500 $2,500 Not Avaliable Not Avaliable Not Avaliable
Emergency Dental Treatment
$500        Deductible: $50 $500 included in medical expenses Deductible: $50 $500 included in medical expenses Deductible: $50 $500 included in medical expenses Deductible: $50 $250        Deductible: $100 $250        Deductible: $100 $250        Deductible: $100
Personal Liability
$100,000             Deductible: $200 $100,000             Deductible: $200 $150,000            Deductible: $200 $150,000            Deductible: $200 Not Avaliable $100,000 $150,000
Loss of Checked Baggage
$1,000            Deductible: $100 $1,000            Deductible: $100 $1,000            Deductible: $100 $1,000            Deductible: $100 Not Avaliable $1,000 $1,000
Loss of Passport
$100             Deductible: $25 $100             Deductible: $25 $200             Deductible: $25 $200             Deductible: $25 Not Avaliable $150             Deductible: $30 $150             Deductible: $30
Bail Bond Insurance
$500             Deductible: $50 $1,000             Deductible: $50 $5,000             Deductible: $50 $5,000             Deductible: $50 Not Avaliable $5,000 $5,000
Study Interruption
$10,000 $10,000 $10,000 $10,000 Not Avaliable $7,500 $7,500
Sponsor Protection
$10,000 $10,000 $10,000 $10,000 Not Avaliable $10,000 $10,000
Child care benefit
$100 per day for a maximum of 10 days $100 per day for a maximum of 10 days $100 per day for a maximum of 10 days $100 per day for a maximum of 10 days Not Avaliable Not Avaliable $100 per day for a maximum of 7 days
Cancer Screening and Mammography
$2,500 $2,500 $2,500 $2,500 Not Avaliable Not Avaliable $2,000
Add-on benefit for Reliance Student Medical Insurance
(The following Add-on Benefits are available for Standard, Silver, Gold and Platinum plans)
Treatment of mental and nervous disorders, including alcohol and drug dependency (limited to inpatient hospitalization in a Hospital/Nursing Home for a period more than 24 hours) $1,000
Inpatient Hospitalisation Expenses related to Pregnancy/Child Birth (After a waiting period of 10 months) $500
Medical Expenses for Inter Collegiate sports injuries Covered under the Medical Expenses including Transportation & Repatriation benefit.
Cancer screening and mammographic examinations (Not applicable if they form part of any routine medical checkup/ examination ) $2,500
Child Care Benefits(Provided that the child of the Insured/Insured Person is above 3 months of age and is hospitalized for more than 24 hours for any disease/illness/injury) $100 per day for a maximum of 10 days

Compare Reliance international student health and Cholamandalam Student health insurance

Key features of Reliance

  • Full refund of premium if rejected by the university
  • Will help complete University Waiver form if required
  • Special approval possible for students already outside India
  • Offers coverage for Study Interruption, Sponsor protection, 2 way Compassionate visit
  • Premium paid in Indian rupees while coverage is in US dollars

Key features of Cholamandalam

  • Cover includes Bail Bond, Study Interruption, Sponsor Protection, Compassionate Visit benefit.
  • Can be used in addition to university plans for above reasons.
  • Premium paid in Indian rupees, while coverage is in US Dollars. This is advantages if currency fluctuations make US dollar more expensive.

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