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International Travel Insurance for Students Travelling Abroad from India
Hello, future game-changer! Are you ready to take on the world?
Studying abroad in renowned international universities is a dream for many Indian students.
Over 8 lakh students travel internationally because of the quality and scope of opportunities available and the ability to develop crucial life skills. To ensure that nothing comes between you and your goal, purchasing an Overseas Student Travel Insurance Plan that favours your academic goals is vital!
Here’s what you need to know before choosing the best travel insurance for students.
Table of Contents
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. 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 learner's requirements. It has all the essential benefits of a medical and travel policy, like hospitalization expenses, flight and baggage delays, study interruption, etc. that protect the insured abroad.
A student travel insurance policy is designed for individuals travelling abroad to pursue higher education. Premiums are available much lower, making it affordable with maximum benefit.
Is Travel Insurance Mandatory for Students?
Student Travel Insurance is mandatory if travelling to the USA or any Schengen countries. Most universities or study abroad programs have also made it mandatory for international students to buy overseas travel insurance.
It is wise to purchase student travel insurance because it protects you financially if any disruption or inconvenience occurs to your health, travel, or studies! 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:
Why Choose Digit’s Overseas Student Travel Insurance?
What’s Covered in Digit’s Overseas Student Travel Insurance Plan?
A Cover for Your Health
A Cover for your Studies
A Cover for your Travel
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.
Eligibility Criteria to Buy a Student Travel Insurance Policy
Students who want travel insurance must meet some conditions to get the benefits. Here are a few points to consider:
Age and Enrollment
The insurance is typically for students aged 12- 40 enrolled in a recognized school or university.
Proof of Enrollment
Students must show evidence that they are enrolled at a university.
Age Proof
Students must prove they are within the eligible age range.
Origin of Purchase
The insurance should be bought from the student’s home country.
Health Proof
Students must be healthy and disclose any existing health conditions.
Additionally, some insurance companies might have extra requirements, such as the length of the trip, the destination country, and any pre-existing medical conditions. Reading the policy terms and enrollment requirements carefully is essential to ensure you qualify and can use the benefits.
Documents Required for Student Travel Insurance
To apply for student travel insurance, you’ll usually need these documents:
These documents help show you qualify for the insurance and help the provider understand your coverage needs.
How to Buy International Travel Insurance with Digit?
Step 1
On the Digit app or website, select the geography/country, number of travellers and date of birth, and click ‘View Prices.’
Step 2
Select the plan, sum insured, and click ‘Continue.’
Step 3
Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.
Step 4
You’re done! The policy document will be sent to you via email, SMS, and WhatsApp. You can also access it 24/7 on the Digit App.
Key Features of Student Travel Insurance
How to File a Travel Insurance Claim with Digit?
After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!
How to Compare Travel Insurance for Students Online?
To find an ideal plan for your education abroad, you need to look at the ABCs of your policy:
Affordability
Your plan should be affordable and offer good coverage. Remember the premium you need to pay for the benefits you can get.
Benefits
Your student insurance plan should meet your needs and be worth the amount insured. It should cover medical and educational benefits like study interruption and sponsor accidents. You should also know what is not covered by your policy.
Compatibility
Your overseas student travel policy must meet the university’s requirements and the country’s rules and guidelines. Another important aspect is how well the policy suits you. Check the company’s credibility and claim settlement ratio to ensure a smooth process.
Things for Students to Remember Before Going Abroad
Studying abroad can be a dream and a nerve-wracking 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.
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!
Student travel insurance is essential for a safe and worry-free trip while studying in abroad. This insurance helps students and their families feel at ease because it covers medical emergencies, lost items, and travel issues. By understanding what you need and choosing the right insurance, you can concentrate on your studies, knowing you’re protected if anything unexpected happens during your exciting academic journey.