Gold Plan - Introduction

A comprehensive policy that covers you against medical expenses, dental treatment, repatriation of remains, checked baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and compassionate visit.

Policy Coverage

• Medical Expenses (including medical evacuation)*- US $50,000 to US $500,000 - This covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers defined outpatient, in-patient, medical aid, therapies and diagnostic tests.
• Dental Treatment *- US $250 - Covers acute anesthetic treatment of natural teeth.
• Repatriation of Remains- Upto medical sum insured – Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death overseas.
• Checked Baggage Loss- US $1,000 - Compensation for the permanent loss of checked-in baggage.
• Passport Loss ** - US $200 - For expenses incurred in obtaining a fresh or new passport
• Personal Accident- US $25,000 – Compensation paid in case of death or permanent total disability.
• 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.
• 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.
• 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.
• Sponsor Protection- US $10,000 – Reimbursement of tuition fees in case of demise of person paying for studies due to an accident.
• 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.

* Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.* *Deductible excess US $50

Top

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.
• Available with second year extension option, thereby covering you for the entire period of study
• Extend your policy 3 months in advance – Now you do not have to wait till policy expiry to extend your Student Medical cover, extend your policy 3 months in advance
• Policy coverage for 2 years – Student Medical Insurance is now available with a continuous cover for 2 years. Now cover your entire period of study and rid yourself of policy extension hassles with policy duration of 365+365 = 730 days
• Medical outpatient expenses covered
• No pre-medical check-up required
• Tailor-made plans to meet varied student needs
• Pay through your ICICI Bank Credit Card and avail of Interest-Free equal monthly installments (EMI) for your premium.

Top

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.

Top

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

Top

Other Individual Overseas Plans

Compare Plans |Plus Plans |Bronze Plans