ICICI Lombard Student Insurance FAQ

Yes. ICICI Lombard Student Medical Insurance is compliant with the international insurance standards set by universities abroad and thus is acceptable as as a substitute for their compulsory insurance.

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.

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.

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.