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Bajaj Allianz Student Medical Insurance

Bajaj Allianz General Insurance is a Private General Insurance Company in India. The company is a joint venture between Bajaj Finserv Limited owned by the Bajaj Group of India and Allianz SE, a German financial services company. Both enjoy a reputation of expertise, stability and strength.
For the 11thconsecutive year, Bajaj Allianz General Insurance has received iAAA rating from ICRA, indicating the highest claims paying ability and a fundamentally strong position in the industry.
Bajaj Allianz is one of the leaders in Travel Insurance in India and one of the first insurance companies to offer travel solutions to the India traveller including Student Insurance.
Student Insurance
Coverage destination
Traveler date of birth
  OR age      years
Policy start date
Policy end date
  Total Days      years

Bajaj Allianz Student insurance useful links

How to buy online?
How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Already outside India
Student outside India

Student medical insurance for Indian students already outside India

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Online renewal
Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Insurance claims
Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify Bajaj allianz by contacting them.

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Policy wordings
List of Universities

Universities Accepting Bajaj Allianz Student Insurance

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Student Plans

Bajaj Allianz also offers comprehensive student insurance plans for the Indian students who want to pursue their education at foreign universities across the world. These plans are with increasing sum insureds for Accident & Sickness ranging from $50,000 to $1,000,000 under their Prime Plans. The benefits under their programs include the standard benefits like Emergency Accident & Sickness cover, Personal Accident (including Common Carrier), Loss of Passport and Baggage but also benefits specific to the Student University study program which include Tuition Fee Waiver, Accident to Sponsor, Family Visit, Bail Bond, Loss of Laptop etc. Apart from the benefits under the Student Plans, there are some other features specific to the Student program below:
  • Eligible for students between the ages of 16 to 35 years
  • The policy period can be purchased from 1 year to maximum 3 years and can be extended for 1 more year if required
  • Pro rata refund of premium if the insurance policy is not accepted by University
  • Will help complete University Waiver form if required confirming Bajaj Student policy meets the Minimum Health Requirements as required by the University program
  • Special approval for students already outside India – subject to Bajaj underwriter approval
  • Premium payment is in ₹INR while the coverage and settlement is in $USD or local currency of the host country
  • Cashless settlement for both Inpatient and Outpatient treatment in the US
  • No pre policy medical health check up is required.
Student Companion Student Elite
Coverage in USD Standard Silver Gold Deductible Standard Silver Gold Deductible
Medical Expenses, Evacuation & Repatriation: $50,000 $100,000 $200,000 $100 $50,000 $100,000 $200,000 $100
Emergency Dental Pain Relief included in (1) above $500 $500 $500 $100 $500 $500 $500 $100
Tuition Fee $10,000 $10,000 $10,000 Nil $10,000 $10,000 $10,000 Nil
Personal Accident*** $50,000 $50,000 $50,000 Nil $25,000 $25,000 $25,000 Nil
Loss of Checked Baggage** $1000 $1000 $1000 $100 $1,000 $1,000 $1,000 $100
Accident to sponsor $10,000 $10,000 $10,000 Nil $10,000 $10,000 $10,000 Nil
Family visit $7,500 $7,500 $7,500 Nil $7,500 $7,500 $7,500 Nil
Personal liability $1,00,000 $1,00,000 $1,00,000 $200 $1,00,000 $1,00,000 $1,00,000 $200
Bail Bond Insurance (2 way) $500 $500 $500 $50
AD&D Common Carrier $2,500 $2,500 $2,500 Nil
**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.
Coverage in USD Standard
Rs. 50,000
Silver
1 Lakhs
Gold
2 Lakhs
Platinum
3 Lakhs
Super Gold
5 Lakhs
Super Platinum
7.5 Lakhs
Maximum
10 Lakhs
Deductible
Personal Accident $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 Nil
Medical Expenses Evacuation $50,000 $100,000 $200,000 $300,000 $500,000 $750,000 $1,000,000 $100
Emergency Dental Treatment $500 $500 $500 $500 $500 $500 $500 $100
Repatriation $5,000 $5,000 $5,000 $5,500 $5,500 $6,000 $6,000 Nil
Loss of Checked Baggage* $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 Nil
Loss of Passport - - - $250 $250 $300 $300 $25
Accidental death & disability common carrier $2,500 $2,500 $2,500 $3,000 $3,000 $3,500 $3,500 Nil
Personal Liability $100,000 $100,000 $100,000 $150,000 $150,000 $150,000 $150,000 $200
Loss of Laptop - - - $500 $500 $500 $500 Nil
Bail Bond $500 $500 $500 $500 $500 $500 $500 $50
Accident to sponsor $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 Nil
Tution Fee $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 Nil
Suicide - - - $1,500 $2,000 $2,000 $2,000 Nil
Family Visit $7,500 $7,500 $7,500 $7,500 $7,500 $7,500 $7,500 Nil
**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.
Benefits under the Bajaj Allianz Student Plans :
  • Personal Accident: Covers Death or Permanent Total Disablement due to accidently bodily injury.
  • Emergency Medical Expenses and Medical Evacuation: Covers Medical Treatment Cost incurred for any illness, injury suffered during overseas trip. And Medical Evacuation Covers cost of evacuation to India on advice of treating doctor with prior approval from Bajaj Allianz General Insurance Company Ltd.
  • Emergency dental pain relief- Emergency dental pain relief is extended up to sum insured (USD 500) as stated on policy schedule under section “emergency dental pain relief”
  • Repatriation: Covers cost of repatriation of mortal remains to India.
  • Loss of Checked Baggage / Passport : Covers complete, permanent loss or destruction of the Insured's Checked Baggage or Cost of obtaining a duplicate passport.
  • Personal Liability: Covers payment of Damages to Third Party Civil Claims arising out of Accident Bodily Injury or Accidental Property Damage occurring during overseas trip.
  • Bail Bond Insurance: if the insured is arrested for any inadvertent law breaking during his/her travel overseas the company would pay the amount as mentioned in the schedule towards the bail amount for release.
  • Loss of Laptop: if the Insured incurs a loss due to Theft of his/her laptop during the journey abroad and within the Policy Period, the Company will indemnify the Insured for the loss due to Theft
  • Tuition fee: If insured unable to continue the school semester due to any of the following reasons arising during the policy period, the Company shall reimburse the tuition fee paid in advance for the current semester, subject to maximum the limit shown in the schedule
  • Accident to Sponsor- Sponsor named in the schedule meets with an accident during the policy period, which results in his death or permanent total disability during the policy period, the Company shall reimburse the remaining school fee subject to maximum the limit shown in the schedule
  • Family Visit- In the event if the insured is hospitalized as a result of an accidental injury or sickness covered under the policy and the attending physician in writing advises the necessary attendance of a Family Member of the Insured and on the satisfaction of the Insurance company for necessary attendance of a family Member
What are some the key exclusions under the Bajaj Allianz Travel plans?
Some of the key exclusions are listed below, please refer to the entire list available along with your policy document.
  • 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 suicide 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), engaging in any criminal or illegal act.
  • Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
  • Experimental, unproven or non-standard treatment.
  • Treatment by any other system other than modern medicine (also known as Allopathy).
  • The cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.
  • Delay of baggag e when the intended destination is in India.
  • Loss or damage to the insured's passport as a result of the confiscation 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 passport

Where should the insured call for claims assistance while they are abroad?

One of the important features of this policy is Emergency Cash Advance. It is an assistance service, wherein the company facilitates providing emergency cash to the insured during incidents such as theft/burglary of luggage/money or hold ups by co-coordinating with the insured person's relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the policy schedule.

In case of any claim or assistance abroad call Toll-Free Numbers :
Originating Country Dialled Number
USA (001) 186658 76903
Canada (001) 186691 43705
Austria (043) 990+800 10002005
Belgium 990+800 10002005
Denmark (045) 990+800 10002005
France (033) 990+800 10002005
Germany (049) 990+800 10002005
Hungary (036) 990+800 10002005
Ireland (353) 990+800 10002005
Italy (039) 990+800 10002005
Malaysia (060) 990+800 10002005
Netherlands (031) 990+800 10002005
New Zealand (064) 990+800 10002005
Norway (047) 990+800 10002005
Philippines (063) 990+800 10002005
Portugal (351) 990+800 10002005
Spain (034) 990+800 10002005
Sweden (046) 990+800 10002005
Swizerland (041) 990+800 10002005
UK (044) 990+800 10002005
Finland (358) - carrier TS 990+800 10002005
Finland (358) - carrier Elisa 990+800 10002005
Hong Kong (852) 001+800 10002005
Israel (972) 014+800 10002005
Singapore (065) 001+800 10002005
So. Korea (082) - carrier Telecom 001+800 10002005
So. Korea (082) - carrier Dacom 002+800 10002005
Thailand (066) 001+800 10002005
Japan (081) - carrier Tele 0041-010+800 10002005
Japan (081) - carrier IDC 0061-010+800 10002005
Japan (081) - carrier NTT 0033-010+800 10002005
Japan (081) - carrier KDD 001-010+800 10002005
Australia (061) 0011+800 10002005
When dialling a universal toll free number the caller must first dial the appropriate country's int'l access code (+) as illustrated above.

Tel : 91-20-3030 58 58 Fax : 91-20-30512207 travel@bajajallianz.co.in
Call Toll Free :1800-22-5858 (for Bharti users - mobile / landline) or 1800-102-5858 (for BSNL/MTNL lines only) or 020-30305858

Student travel health insurance plans

  • Sum insured of Standard plan is US$50,000, Silver plan is US$1,00,000 and Gold plan is US$2,00,000
  • Medical expenses, evacuation, repatriation
  • Emergency Dental Pain Relief
  • Sum insured of Standard plan is US$50,000, Silver plan is US$1,00,000 and Gold plan is US$2,00,000
  • Medical expenses, evacuation, repatriation
  • Emergency Dental Pain Relief

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