Student Travel Insurance Forum

International Student Medical Insurance satisfying the University requirements
question
I want to know if your insurance has the following requirements requested by my university:
"If you chose to buy your own health insurance coverage from another source, the insurance corporation underwritng the policy must have one of the folowing ratings:
  • an A.M Best rating of "A-" or above
  • an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above
  • a Standard & Por's Claims paying Abilty rating of "A-" or above
  • a Weis Research, Inc. rating of "B+" or above"
by Priya
comment
Thank you for contacting us for your student medical insurance requirements. Indian insurance companies do not have any rating system like the US insurance providers do. The Indian insurance providers have an office in overseas who provide guidance to the policy holders as and when the need arises.
You can get free quotes and buy the policy online at India Student Insurance Policies

Best Student Medical Insurance for visiting Israel
question
I am a student of JNU, willing to visit Tel Aviv university Israel for 44 days starting from 20th july to 3rd september. I need good student travel medical insurance for the mentioned period.
by R S
comment
Thank you for contacting NRIOL for your travel insurance requirements. If you are going for Tel Aviv university Israel as a student, you can buy a student plan. You can get free quotes and buy the student policy online at India Student Insurance Plans
Alternatively if you are going as a tourist and not as a student, you can buy the travel medical insurance at India Travel Insurance Plans

Concordia university ,Wisconsin
question
I want to know what are all the plans which are accepted by Concordia university ,Wisconsin.
by Praveen
comment
Thank you for contacting NRIOL for your student insurance requirements. Indian student medical insurance plans are designed for students who study in overseas. Many Indian students buy Indian student insurance plans for studying in the US, and get their regular university insurance coverage waived. Regarding Concordia University, you must find out all your university insurance requirements and then keeping the requirements list compare the coverage benefits with the different Indian insurance company plans. The Indian student insurance plans cost only 25-30% of most US university plans and they provide comparable insurance coverage. It is very likely that you will find a suitable plan that matches your university requirements. You will then have to get this insurance coverage approved and your university insurance coverage waived by the university authorities. This is the procedure followed by Indian students while in the US.
You can get free quotes and buy the policy online at India Student Insurance Plans

Student Health Insurance for studying in Athens
question
I have to apply for a student visa to go to Athens (Greece) for a period of 18 months. Kindly assist me in getting me my travel and health insurance done. Also let me know if your insurance plans will be acceptable in my college. kindly reply to me at the earliest.
by Raji
comment
Thank you for contacting NRIOL for your Student medical insurance requirements. There are many Indian insurance companies who offer student medical insurance for Indian students registered for higher education in overseas universities. Yes these Indian student insurance plans are accepted in European Universities and are quite popular with Indian students in Europe. Please check your university requirements and compare the coverage details on our website to find the most appropriate coverage.

Student Queries for Indian Student Insurance
question
I have Indian citizenship and currently I am a student studying in Germany. So I need the following info:
  • What are the different Health insurance plans and yearly premium for students?
  • I am not sure whether this insurance will be accepted in University so can I get back the refund in that case?
  • Do you have cashless payment in Germany?
by Priyank
comment
Thank you for contacting NRIOL for your Student medical insurance requirements. Answers for the questions you raised are as below:
  • Indian insurance companies provide student medical coverage ranging from $50,000 to $20,000 US dollar cover. You can get free quotes and buy the policy online at
    Indian Student Insurance Plans
  • Before you buy the policy from NRIOL website please check your university requirements so that we can choose a suitable plan which suits your university requirements. If your university does not accept the insurance, then we need the rejection letter from your university after which we can cancel the policy and process for refund. You will get a refund on prorata basis.
  • Yes, the insurance companies has cashless treatments for hospitalization more than 24 hours in Germany. Relevant toll free numbers will be printed in the policy document which will help you in contacting the assistance providers in case of any emergency.

Student Health Insurance for Czech Republic
question
I need insurance for Czech Republic as I am going to pursue my studies. Which is the best insurance?
by Sugan
comment
Thank you for contacting NRIOL for your Student medical insurance requirements. As you are going to czech republic please buy a plan with the destination "Excluding USA & Canada". We deal with multiple insurance companies which offer student medical insurance with different coverage options. Please check with your university insurance requirements and buy the policy.
You can get free quotes and buy the policy online at India Student Insurance Plans

Student Insurance for Paris
question
I need oversees student medical insurance for €30,000 as I'm visiting Paris.
by Aanchal
comment
Thank you for contacting NRIOL for your student medical insurance requirements. The student plans are in US dollars coverage and the minimum $50,000 coverage will satisfy your Schengen visa requirements.
You can get free quotes and buy the policy online at Student Insurance Plans

Other options when a student insurance plan is rejected by the university
question
I have a question here. If I buy this student Policy and it is not approved by my college. What should be done.?
by Jayaram
comment
Thank you for contacting NRIOL for your student insurance requirements. You can buy student medical insurance online and also we can assist you in getting your university wavier form filled by the respective insurance company and send it you.
In case if the university rejects the insurance, then please send us an email along with the university rejection letter. The policy will be cancelled and refund the premium will be done on pro-rata basis (unused portion of the policy period).

Waiver form from insurance company
question
My son 18 year old going to Purdue university Indiana in USA on 14th August 2015. As the university insurance is very costly when compared to student medical insurance provided by Indian insurance companies, I want to buy health insurance. Will the Indian policy will get a wavier from the university?
by Ishwar
comment
Yes student medical insurance provided by Indian insurance companies are 3-4 times cheaper than the insurance provided by the university. You can buy the student medical insurance from Indian insurance companies. Also ask your son to get the wavier form from the university and we can help you getting the wavier form filled from the insurance company head office.
You can get free quotes and buy the policy online at Student Insurance Plans

Insurance Company address for waiver form
question
I need to get student insurance waiver from my university. For that I will need Bajaj Allianz address in the USA. Can you please send me the address of your insurance company in the US as soon as possible.
by Elveera
comment
Thank you for choosing us for your student insurance requirements. Please find the below US address:
AGA SERVICE USA
9950 MAYLAND DRIVE, RICHMOND,
VIRGINIA, United States
VA-23233
Do feel free to contact us at +91-80-41101026 if you have any questions.

Student Travel Insurance Claims Procedure
question
I am planning to buy Student Travel Insurance. I want to know about the claims procedure.
by Bhagyashree
comment
Hospitalization medical expenses for more than 24 hours are cashless after the deductible of US $100 and for OPD medical expenses you have bear entire expenses upfront and claim for reimbursement later by submitting the relevant documents. You will get the reimbursement after the deductible of US $100

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