Bronze Plan - Introduction

A composite policy that covers you against sponsor protection, study interruption, compassionate visit, personal liability, bail bond, checked baggage loss and personal accident.

Policy Coverage

• Sponsor Protection– US $10,000 - Reimbursement of tuition fees in case of demise of person paying for studies due to an accident.
• Study Interruption– US $7,500 - Reimbursement for the remaining part of the current school semester fee, if studies are interrupted on account of a medical condition or compassionate reasons on the family front.
• Compassionate Visit– US $7,500 - In case of hospitalization (exceeding 7 days) of student or a family member, where a family member visits student or student visits India. Round trip economy class tickets for student/ family member, and accommodation for the family member visiting abroad, will be reimbursed.
• Bail Bond– US $5,000 - For the bail amount, if arrested or detained by police or judicial authorities of the place, for any bailable offence whilst abroad.
• Passport Loss* - US $200 - For expenses incurred in obtaining a fresh or new passport.
• Personal Liability– US $100,000 - Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured.
• Personal Accident– US $10,000 - Compensation paid in case of death or permanent total disability.
• Checked Baggage Loss– US $1,000 – Compensation for the permanent loss of checked-in baggage.

* Deductible of US$ 50.

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Key Benefits

• Buy the policy in Indian rupees, which is 1/3 the cost of buying abroad
• Accepted by most of the foreign universities as a substitute for their compulsory insurance
• Medical outpatient expenses covered
• No pre-medical check-up required
• Tailor-made plans to meet varied student needs

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Eligibility

• Minimum age of insured persons is 18 years.
• Maximum age of insured persons is 35 years.
• Non-insurable persons: professional and semi-professional sportsmen.
• The policy can be bought by students already studying abroad.

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Policy Exclusions

• Medical expenses arising out of
  • Pre-existing conditions
  • Addiction to alcohol, drugs
  • Mental disorder, anxiety, depression
  • Venereal diseaseas
  • Sexually transmitted diseases, AIDS, HIV
  • Radiation, nuclear weapons induced
  • Sporting activities
• Expenses arising out of loss valuables, money, securities and tickets
• Loss of passport in public places
• Personal liability of the insured

For more details, kindly refer to the Policy Wordings.

Student Medical Insurance Product Code: Misc 4050

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