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Insurance - Trave Insurance - Student Travel - Faqs - |
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| General | | | Cover | | | Premium | | | Claims |
- Why do I need student overseas travel insurance?
- Is my insurance accepted in my university as a substitute for their compulsory insurance?
- What are the average costs of medical treatment abroad?
Why do I need student overseas travel insurance?
Student overseas travel insurance makes sure that your study and stay abroad is smooth. Far away from home, it ensures that you are not left all alone during a crisis. It takes care of you lossess and provides you a shoulder to lean on.
Is my insurance accepted in my university as a substitute for their compulsory insurance?
Yes. ICICI Lombard students travel insurance is in compliance with the international insurance standards set by universities abroad and thus is acceptable as as a substitute for their compulsory insurance.
What are the average costs of medical treatment abroad?
Please refer to the table for average costs of medical treatment abroad in the U.S. vis-a-vis India
| TREATMENT | INDIA | US |
| Heart Surgery (Valve Replacement) | Rs 2.5 lakh -3 lakh | Rs 14.4 lakh |
| Bone Marrow Transplant | Rs 33.1 lakh | Rs 1.20 cr |
| Liver Transplant | Rs 33.1 lakh | Rs 1.44 cr |
| Orthopedic Surgery | Rs 2.8 lakh | Rs 9.6 lakh |
| Cataract Surgery | Rs 60 K | Rs 96 K |
| Open Heart Surgery (CABG) | Rs 2.4 - 4.8 lakh | Rs 72 lakh |
| Rs 3.12 lakh | Rs 10 lakh | Neuro Surgery with Hypothermia |
| Angioplasty | Rs 2-3 lakh | -- |
| Spine Surgery | Rs 1-3 lakh | Rs 3 –6 lakh |
| Brain Tumour (Biopsy) | Rs 50 K – 2 lakh | Rs 2 lakh |
| Brain Tumour (Surgery) | Rs 2 lakh | Rs 4.8 lakh |
- What is the main benefit of buying this cover from India?
- What happens in case of demise of the person paying for my studies?
- What exactly do you mean by ‘study interruption’?
- What is a bail bond?
- What is ‘compassionate visit’ and how is it beneficial?
What is the main benefit of buying this cover from India?
The premium for this policy is payable in rupees and costs nearly 1/3rd of what you would have to pay if it were to be bought from an international insurance company.
What happens in case of demise of the person paying for my studies?
ICICI Lombard will pay / reimburse the tuition fees up to US $10, 000 in case of the demise of your sponsor.
What exactly do you mean by ‘study interruption’?
The feature of the policy provides reimbursement for the remaining part of the current school semester fee if the studies are interrupted on account of a medical condition or compassionate reasons on the family front due to which your studies are to get hampered.
Bail bond is a provision wherein if you are arrested or detained by police or judicial authorities for a bailable offence while abroad, you would be eligible for a US $ 5000 coverage to bail you out.
What is ‘compassionate visit’ and how is it beneficial?
In case of the insured being hospitalized for more than 7 days the family members can visit the student abroad. They are eligible for round economy class tickets and accommodation.
There are basically 3 modes of payment:
1.Credit card
2.Net banking
3.Cheque
Insurance is the subject matter of solicitation.
Insurance brought to you from ICICI Lombard General Insurance Co Limited Misc 1, 13, 29, 30, 34B, 46, 50. ICICI Bank Limited has a referral arrangement with ICICI General. The contract of insurance is between ICICI General and the Insured, and not between ICICI Bank Limited and the Insured. Nothing contained on the Website shall constitute or be deemed to constitute an advice, an offer to purchase or an invitation or solicitation to undertake any activity or enter into any transaction relating to the Insurance Products. Participation by ICICI Bank's customers is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by the Bank to its customers and their usage of the product or participation in the scheme. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
