Bajaj Allianz Student Medical Insurance - Study Companion Plan

What is Study Companion plan?

The study companion plan is customized for students travelling abroad for studies. It is designed to cater to the medical exigencies the student might face while studying there. Based on premium, sum insured and certain other criteria, there are three options to choose from under this category - Standard, Silver, Gold.

What does Study Companion plan cover for me?

The insurer can claim reimbursement under this policy:

1. Current semester tution fees reimbursement subject to maximum limit mention in case the insured is unable to continue the school semester due to serious medical condition of the insured requiring hospitalization or death / serious injury requiring hospitilization of either of the parents during the policy period (Subject to policy terms & conditions.)
2. In the event of the sponsor mentioned in the policy meeting with an accident during the policy period, resulting in death or permanent disability the company shall reimburse the remaining school fees. (Subject to policy terms & conditions.)
3. In the event of the insured becoming hospitalized as a result of an accidental injury or sickness covered under the policy and the attending physician advises necessary attendance of a family member, the company will reimburse the travel cost for the visit (family members include spouse, parent, sibling &in-laws) (Subject to policy terms & conditions.)

Bajaj Allianz Insurance - Study Companion Coverage Benefits

	Standard	Silver	Gold	Deductible
Coverages	Sum Insured US $	Sum Insured US $	Sum Insured US $	Sum Insured US $
Medical Expenses	50000	100000	200000	100
Emergency Dental Pain Relief included in (1) above	500	500	500	100
Tuition Fee	10000	10000	10000	Nil
Personal Accident***	50000	50000	50000	Nil
Loss of Checked Baggage**	1000	1000	1000	100
Accident to sponsor	10000	10000	10000	Nil
Family visit	7500	7500	7500	Nil
Personal liability	100000	100000	100000	200

**Per baggage maximum 50% and per item in the baggage maximum 10%.
***Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.

Exclusions applicable to Travel Policies

1. Any medical condition or complication arising from it which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recomended by or received from a physician.
2. Routine physical or other examination where there is no objective indication of impairment of normal health.
3. Medical expenses beyond the expiry of the policy period.
4. Suicide, attempted sucide or wilfully self-inflicted injury or illness, mental disorder, anxiety / stress / depression / nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs
5. Manual work or hazardous occupation,self-exposure to needless peril (except in an attempt to save human life), or if engaging in an criminal or illegal act.
6. Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
7. Experimental, unproven or non-standard treatment.
8. Treatment by another system other than modern medicine (also known as Allopathy).
9. The cost of spectacles, contact lens and hearing aids, crutches and all other external appliances and / or devices whether for diagnosis or treatment.
10. Delay of baggage when the intended destination is in India
11. Loss or damage t the insured's passport as a result of the classifaction or detention by customs, police or any other authority.
12. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
13. Loss caused by the insured's failure to take reasonable steps to guard against the loss of the passport.