|
General
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.
Top
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.
Top
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 |
Top
What if I want to extend my student insurance policy cover?
Student Medical Insurance is now available with a continous cover for 2 years, thereby covering your entire period of study without extension hassles. You may also opt for the regular 1 year policy and then extend if required to the second year. You can extend your policy three months in advance of expiry.
Top
I'm covered by NHS (National Health Service) for my study in UK. Do I still need Health insurance?
If you are not entitled to free NHS treatment, you should make sure you have adequate medical insurance to cover medical costs if you fall ill, and also to cover the additional possible costs resulting from illness. These can be substantial, and include
- lost fees if you are unable to complete your course
- costs of returning home if a relative is ill
- costs of a relative visiting you in the UK if you fall ill
- cost of returning to your home country for treatment
- or in the worst possible situation, returning a body home for burial.
Even if you are entitled to free NHS treatment whilst in the UK, you should consider taking out insurance which covers the above additional costs. Moreover, even if you are covered by the NHS for medical treatment, you may find that there are long waiting times for some services. An insurance policy which gives you access to private medical care could give you much quicker access to the treatment you need.
Top
What does the Student Medical Insurance Plus Plan offer?
Student Medical Insurance Plus Plan is an add-on cover to fulfill the various criteria of universities abroad. It covers treatment for mental and nervous disorders, including alcoholism and drug dependency, in-patient medical expenses related to pregnancy, medical expenses for inter-collegiate sports injuries, cancer screening & mammography examinations and childcare benefits.
Top
Cover
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.
Top
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.
Top
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.
Top
What is a bail bond?
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.
Top
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.
Top
Premium
What is the mode of payment?
There are basically 3 modes of payment:
1.Credit card
2.Net banking
3.Cheque
Top
Claims
What if I fail to produce the required documents?
There are some documents that are definately needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.
Top |
