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Student Travel Insurance Policy

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Up to $1M

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Travel Insurance for Students Studying Overseas

Hello future game-changer! Are you ready to take on the world? 

Studying abroad in renowned international universities is a dream come true for many Indian students.

Over 8lakh students travel internationally because of the quality and scope of opportunities available and the ability to develop crucial life skills. Ensuring that nothing comes in between you and your goal, it is vital to purchase an Overseas Student Travel Insurance Plan that favours your academic goals!

What is Student Travel Insurance?

Travelling overseas to pursue higher studies comes with a high cost of living, expenses, and unforeseen situations. Coursing through your academics while learning the ins and outs of a new environment can get the better of you. So, to stay on the safer side, owning a Student Travel Insurance plan can benefit you. 

International student travel insurance is specifically designed to meet the requirements of the learner. It has all the essential benefits of a medical and travel policy, like hospitalization expenses, flight and baggage delays, study interruption, etc., that protects the insured abroad.

A Student Travel Insurance policy is specifically designed for individuals travelling abroad to pursue higher education. Premiums are available much lower, making it affordable with maximum benefit.  

Is Student Travel Insurance mandatory?

If you are travelling to USA or any Schengen country, then it is mandatory to have a Student Travel Insurance. Not only this, most universities or study abroad programs have also made it mandatory for students to buy an overseas travel insurance. 

It is wise to purchase a student travel insurance because it protects you financially if any disruption or inconvenience to your health, travel, and studies occurs! Purchasing a comprehensive overseas student travel insurance plan is affordable and entails long-term benefits.

Read More about: How to Apply for Schengen Visa from India

Why do Students need Travel Insurance?

We’ve done our research, so let us present our findings:

Universities abroad
Universities abroad insist on having a comprehensive insurance plan. (1)
Medical Cost when you travel
Medical expenses cost 3 to 5 times more outside India. (2)
belongings people lose while travelling
Phones, Laptops, Bank Cards, Licenses & Passports are the top belongings people lose while travelling. (3)
travel insurance
USA, England, Germany are among a list of countries that mandate having a travel insurance. (4)
personal liability
Student travel policies offer coverages like personal liability and bail bond, study interruption, trip delays and cancellation, etc. to protect you against troubles abroad. (5)

Why choose Digit’s Overseas Student Travel Insurance?

  • Daily Cash Allowance: You can access USD 50 per day for a maximum of 5 days, for hospitalization charges.*  

  • Loss of Baggage and Personal Belongings: If you lose your baggage or personal belongings (due to theft, larceny, robbery, etc.), then we will reimburse you for the declared loss. 

  • Common Carrier Delay: In simple terms, if your flight was delayed for more than 4 hours, you will be insured.

  • Waiver of Pre-existing Diseases: Under this plan, we will cover you from 5-10% of your Sum Insured 

  • Up to $1 Million Sum Insured: A $1 Million SI option gives you maximum protection for a brighter future!

  • Coverages up to 3 years: Stay secure for 3 whole years with Digit’s International Student Travel Insurance Plan.

  • 24x7 Worldwide Claims Support: All day, every day. We’re here for you. You can reach out to us through missed calls, WhatsApp, Email or even through our website!

  • Super Easy Claims: If you file a claim with us, you don’t have to worry about any tedious procedures! Digit has a simple, digital, hassle-free claiming process. 

What’s Covered in Digit’s Overseas Student Travel Insurance Plan?

A Cover for your Health

Emergency Medical Treatment and Evacuation

If you fall ill or are hospitalized due to any unexpected illness, or repatriation of mortal remains in case of death, or require OPD treatment up to 10% of your SI, then we’ve got you covered

Emergency Accidental Treatment and Evacuation

In the event of an accident, you need to cover your hospitalization charges, then our plan covers for you. Additional 10% Sum Insured for accidental treatments. OPD treatment is covered up to 10% of your SI.

Daily Cash Allowance

Petty cash with regards to hospitalization expenses are also covered for up to 5 days, with a time excess of 2 days

Emergency Dental Treatment

Dental treatment due to accidents are filled in by us. Don’t worry about burning a hole in your pocket, we’ve got you covered!

Personal Accident

In an unfortunate event of permanent disability or even death, you or your nominee are entitled to a flat benefit from us

Waiver of Pre-existing Disease

Depending on your SI option, you can avail 5-10% of your sum insured

A Cover for your Studies

Study Interruption

If your studies are interrupted due to any unexpected event and you cannot claim any refund from your organization, then we got you covered

Accident of the Sponsor

If the person sponsoring your education has permanent total disability or unfortunately dies, then our policy can help cover your course expenses

Compassionate Family Visit

If you require a family member to visit you when you are hospitalized, then we will cover the cost of visit of one member. This cover let’s family stick together

Personal Liability & Bail Bond

Sometimes in unfamiliar places you might get mixed up with the law. To help yourself in a situation like this and lawsuits filed by a third party against you, this plan financially covers for you

A Cover for your Travel

Loss of Passport

You can avail a duplicate passport while abroad if the original one gets lost, stolen, or damaged. Don’t worry about the expenses, we cover it!

Delay of Checked-in Baggages

You are entitled to monetary compensation from us if your checked-in baggage is delayed by more than the duration specified in your policy

Accidental Death and Disability (Common Carrier)

Even in the event of accidental injury during your flight travel that leads to your permanent disability or death, you or your nominee can claim a flat benefit from us

Common Carrier Delay

If your flight is delayed for more than 4 hours then you can avail a claim of USD 50. You can get compensated for the time lost

Total Loss of Checked-in Baggage

You can claim for monetary benefit in the event of total loss of your checked-in baggage on pro-rata basis

Loss of Baggage and Personal Belongings

If you lost your baggage or personal belongings due to theft, robbery, etc. while on your trip, then you will be able to claim for any declared loss

What's not Covered?

Now that you know what’s covered, let’s take it one step further and tell you what we can’t cover. Transparency is key after all! Below are listed some General Exclusions that we do not cover under Overseas Student Travel Insurance Policy. They are standard and are the fine print of the policy, which we advise to read carefully.

  • Any claim arising out of security and law of land breach by you is not covered. 

  • Any claim arising out of acts of war, invasion, rebellion, terrorism, participation in military exercises or games, etc. is not covered. 

  • Accidents related to radiation, nuclear-waste, aircraft pressure waves, etc. are not covered under our policy. 

  • Claims related to your death, injury, aggravation of a medical condition due to wilful self-inflicting injury, excessive consumptions of substance, or depression cannot be covered. 

  • Holistic treatment in long term institutions like rehabilitation, convalescent centres, etc. are not covered. 

  • You won’t be covered if you require treatment for a tropical/contagious disease where vaccinations were recommended by the government where you are travelling to. 

  • Claims filed for any incident after the trip duration limit as shown in your policy is not covered. 

  • Any claim falling within the claim deductible or time excess shown in your policy schedule cannot be reimbursed. 

  • Claims are not covered for costs that are refundable from your travel or accommodation, or if you’ve paid on behalf of someone not mentioned in your policy. 

How Can I File a Claim for Student Overseas Travel Insurance?

With Digit, we’ve simplified our claiming process to make things quicker and easier for you especially during your hard times. With us, you get 24x7 Worldwide Claims Support. We’ll be with you through every step of the way and support you seamlessly across the globe!

  • Missed Call Facility: We understand that calling from an international destination is not always possible. That’s why we've introduced a Missed Call Facility. All you need to do is leave us a missed call and we’ll call you back within just 10 minutes! However, please ensure you call from a mobile no. and not a landline. You can also mail us at travelclaims@godigit.com

  • WhatsApp: Drop us a text on WhatsApp on +91-7026061234 and we’ll get right back to you!

  • Get a reminder for claims when your flight is delayed: If your flight is delayed for more than 4 hours, you’ll automatically receive an SMS from us. All you need to do is send us a picture of your boarding pass and bank details, and you’ll receive your monetary compensation in a jiffy!

  • No hard copies needed: We believe in keeping everything digital. That’s why, there’s no need for hardcopy for proofs. A simple upload works for us! 

  • For any other assistance: Before you begin your journey, feel free to call us at 1800-258-5956 or email us at hello@godigit.com and we’ll always be here for you.

Read More

How to Compare Travel Insurance for Students Online?

To find an ideal plan for your education abroad you need to look at the ABC’s of your policy. That is

  • Affordability: Your plan should not cost excess amount with poor coverages. Keep in mind the premium you are required to pay for the benefits you can avail.
  • Benefits: Your student insurance plan should suit your needs and are worth your sum insured. Medical and Educational benefits like study interruption, accident of the sponsor, are some among others that need to be covered. You should also be educated on the exclusions of your policy.
  • Compatibility: Your overseas student travel policy must be compatible with the university requirements and country’s rules and guidelines. Another important aspect is your policy’s compatibility with You! Look at the company’s credibility and claim settlement ratio while choosing the right plan to ensure a smooth process.

 

Read More

Things for Students to remember before going abroad

Studying abroad can be a dream and a nerve-wrecking opportunity. Through all the planning and excitement that tags along, there are some things that you might forget. To avoid such a stressful situation, here are some things to keep in mind (how about you create a checklist?) before you leave:

Passport and Visa Check!

Apply for a passport and visa and don’t forget to carry it along while boarding your flight. If you already have one, ensure that it is not expired and can last for the duration of your trip.

Read more about:  Visa on Arrival Countries for Indians

Medical records and Documents Check!

Carry along a copy of your health and medical records. You will also need to check for any mandated inoculations in the country that you are travelling to.

Travel Insurance Check!

Buy your travel insurance, flight tickets and take a trip to your bank to follow up on credit cards, extra cash, and your bank account. When it comes to your finances, you need to plan a budget and be aware of your bank’s international charging fees and the current exchange rate of your home country and the country you are moving to.

Vernacular Check!

Brush up on your language skills. When moving to a new location, you don’t want to feel entirely left out and have a language barrier. You can try learning a few basic phrases to help you around the city and understand the culture and customs of the country.

Fashion Check!

Pick the right clothes for the right weather. Along with this, check your luggage weight and carry all your essentials! You can have toiletries, chargers, and adapters for your electronic devices, etc. 

Calls and Contacts Check!

Have an affordable phone plan that covers you internationally as well. You also need to know emergency contacts of the foreign country you would be living in. Not just that, you should also have an emergency contact from your new school/college/university so that there’s someone you can call in case you get lost or in an emergency.

Registration Check!

On arriving, don’t forget to register yourself with the internal affairs ministry with 24-48 hours and at the local Indian Embassy.

We know leaving can be hard, but a bright future is waiting. What’s better is that we’re here for you. You can easily contact us:

You may also like: Visa Free Countries for Indians

FAQs on Student Travel Insurance