Bajaj Allianz Student Elite Insurance Plan

 Why do I need an Indian student medical insurance Plan?

Every student desires to study abroad. To make your travel risk free, Students travel plan brings you an array of policies to choose from which will provide the comprehensive cover for your journey.

 What is the Bajaj Student Elite insurance plan?

The Student Elite plan is a customized insurance policy for students traveling abroad.

 What does the Bajaj Student Elite insurance plan cover?

1. Reimbursement of the tuition fee paid in advance for the current semester (maximum limit mentioned), if the insured discontinues school owing to medical conditions requiring hospitalization; or due to serious injury / death of either parent.
2. In case the sponsor named in the schedule meets with an accident resulting in death / permanent disability during the policy period, the company shall reimburse the remaining school fee subject to the maximum limit mentioned.
3. In case the insured is hospitalized due to accidental injury / sickness covered in the policy and the attending physician advises the necessary attendance of a family member, the company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum sum insured (family means spouse, parent, sibling and in-laws of the insured)
4. In addition to the sum in the personal accident section, the company will pay the sum insured specified in the schedule, if the insured sustains accidental bodily injury during travel by a common carrier; and the same takes place within 12 months of the date upon which it was sustained and resulted in the insured's death / loss of two eyes / loss of two limbs / loss of one limb and one eye.
5. In case the insured is arrested for inadvertently breaking the law during overseas travel, the company will pay the amount as per the schedule, towards the bail amount for release except when the insured has been charged with breaking the law with criminal intent or for over speeding in a vehicle.

Bajaj Student insurance Coverage Benefits

Coverage in USD	Standard	Silver	Gold	Deductible
Medical Expenses, Evacuation and Repatriation	$50,000	$100,000	$200,000	$100
Emergency Dental Pain Relief	$500	$500	$500	$100
Personal Accident	$25,000	$25,000	$25,000	Nil
AD & D Common Carrier	$2,500	$2,500	$2,500	Nil
Loss of Checked Baggage**	$1,000	$1,000	$1,000	100
Bail Bond Insurance	$500	$500	$500	$50
Tuition Fee	$10,000	$10,000	$10,000	Nil
Accident to Sponsor	$10,000	$10,000	$10,000	Nil
Family visit	$7,500	$7,500	$7,500	Nil
Personal liability	$100,000	$100,000	$100,000	$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.

Add on benefits	Standard	Silver	Gold
Mental & Nervous disorder, alcoholism and sports injuries	Included in medical expenses	Included in medical expenses	Included in medical expenses
Maternity	Nil	Nil	Nil
Pre-existing Condition	Nil	Nil	Nil

Exclusions in the international student health insurance policy

• 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, recommended by or received from a physician.
• Routine physical or other examination where there is no objective indication of impairment of normal health.
• Medical expenses beyond the expiry of the policy period.
• Suicide, attempted sucide or willfully 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
• 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.
• Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
• Experimental, unproven or non-standard treatment.
• Treatment by another system other than modern medicine (also known as Allopathy).
• The cost of spectacles, contact lens and hearing aids, crutches and all other external appliances and / or devices whether for diagnosis or treatment.
• Delay of baggage when the intended destination is in India
• Loss or damage t the insured's passport as a result of the classification or detention by customs, police or any other authority.
• 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.
• Loss caused by the insured's failure to take reasonable steps to guard against the loss of the passport.