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Reliance Student Medical Insurance

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Students registered for their higher studies in overseas universities need to have health insurance cover to meet the university requirements. Reliance General Insurance provides an unique plan Reliance student travel insurance which satisfies the overseas universities insurance requirements. This insurance covers not only for medical expenses but also for non medical expenses.

Special Features

  • Pro-rata refund of premium if rejected by the University.
  • University Waiver Form will be facilitated by us.
  • Students already outside India can also buy the plan under special approval.
  • Covers Bail bond, study interruption, sponsor protection, 2 way compassionate visit of a family person.
  • US Dollars coverage while you pay in India Rupees.

Reliance Student Plans

Reliance also offers comprehensive plans to suit most university requirements. They offer coverages for students between the ages of 16 and 35 years who are proceeding abroad for their higher studies. Some specific features include:
  • Plan options
    • Non Medical Plan - Basic Plan – without Emergency Medical Coverage – this is ideal for students who want to purchase their insurance policy at the University, or if the University makes it mandatory but will also like to be covered for Student specific benefits.
    • Medical Plans – the Emergency Medical Sum insured options include Standard Plan - $50,000 coverage Silver Plan - $100,000 Gold Plan - $250,000 coverage, Platinum Plan-$500,000
  • Reliance student medical insurance can be purchased for a maximum of 2 years at a time
  • Reliance Student policy offers Add-on benefits with nominal additional where a student can choose the base Reliance Student plan with add-ons. These add on include a)Treatment of Mental and Nervous disorders (including Alcohol and Drug dependency), b) Inpatient Hospitalization expenses related to Pregnancy/Child Birth (After a waiting period of 10 months) c) Medical Expenses for Inter Collegiate sports injuries, d) Cancer Screening and Mammographic Examinations, e) Child Care Benefits, f) Chiropractic Treatment, g) Skilled Nursing Facility and h) Physiotherapy
Basic Standard Silver Gold Platinum Deductibles
Medical Expenses including transportation and evacuation
  50,000 100,000 250,000 500,000 50
Dental Care Expenses
  500 500 500 500 50
Personal Accident
25,000 25,000 25,000 25,000 25,000 Nil
Accidental Death- Common Carrier
  2500 2500 2500 2500 Nil
2 way Compassionate Visit
7,500 7,500 7,500 7,500 7,500 Nil
Loss of Passport
100 100 100 200 200 25
Total Loss of Checked Baggage*
1,000 1,000 1,000 1,000 1,000 100
Personal Liability
100,000 100,000 100,000 150,000 150,000 200
Bail Bond
1,000 500 1,000 5,000 5,000 50
Study Interruption
10,000 10,000 10,000 10,000 10,000 Nil
Sponsor Protection
10,000 10,000 10,000 10,000 10,000 Nil
*Total loss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in , is 50% (100% for only one checked in baggage ) of applicable sum insured and per item in baggage max 10%
Sum Insured(In USD) Deductibles(In USD)
Add on Benefits
Treatment of Mental and Nervous Disorders including Alcohol and Drug Dependency
$1,000 $100
Inpatient Hospitalization expenses related to Pregnancy/Child birth (After a waiting period of 10 months)
5$00 Nil
Medical Expenses for Inter collegiate sports injuries
Covered under the Medical Expenses including Transportation & Repatriation benefit -
Cancer Screening and Mammographic Examinations
$2,500 Nil
Child Care Benefits
$100 per day for a maximum of 10 days Nil
Additional add on benefits
Applicable on a case-to-case basis and subject to specific approval
Chiropractic Treatment
$1,000 Nil
Physiotherapy
$500 Nil
Skilled Nursing Facil
$500 Nil
The Student plan offers Student specific coverages like Bail Bond, Study Interruption, Sponsor Protection, Compassionate Visit 2 way as part of the base coverages. The plan also comes with automatic Extension of policies of 30 days for Medical Evacuation & Emergencies and for 7 days for Delay in Common Carrier and coverage for pre-existing situations in case of life threatening situations only.

Medical Expenses including Transportation and Evacuation
The Company takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise. Dental Care Expenses
The Company covers dental expenses incurred by the Insured / Insured Person for any acute anesthetic treatment of a natural tooth or teeth during a trip due to an injury.

Personal Accident
The Company shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.

Accidental Death and Dismemberment-Common Carrier
The Company shall pay compensation for injury sustained by Insured, which results in loss of life or permanent disability while riding as a passenger in any common carrier.

Two way Compassionate Visit
The company will reimburse the return fare for an immediate family member to visit you or for you to visit your family member in case of hospitalization extending to more than seven consecutive days.

Loss of Passport
The Company will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss

Total Loss of Checked Baggage
The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage caused by a carrier.

Personal Liability
The Company offers compensation for liability / damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the Insured / Insured Person abroad.

Trip Delay
Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

Bail Bond
The Company will arrange to pay the bail amount to the appropriate authority / court, on behalf of the insured person if the person have been arrested or detained by police or judicial authorities for any bailable offence whilst abroad.

Study Interruption
If the Insured Persons education abroad has been interrupted on account of a medical condition, the company will reimburse the current semester fee already paid.

Sponsor Protection
In case the sponsor, who is taking care of the Insured Person tuition fees is injured resulting in his demise, the Company will reimburse the tuition fees.

Repatriation of Remains
Covers cost of repatriation of mortal remains to India.

Financial Emergency Assistance
Insurance provides financial assistance in the event of a financial emergency arising due to theft

Hijack Allowance
Provides an allowance in the event of hijack of a common carrier for more than 12 hours in which the Insured is traveling on a trip.

Trip Cancellation & Interruption
If the trip is cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster. The Company will take care of any non-refundable prepaid payments or additional expenses.

Missed Connection
If the Insured Person misses his/her connecting flight due to its delay in arrival by more than 3 hours, the Company provides compensation for the additional expenses incurred.

Home Burglary insurance
Reliance multi trip travel insurance provides compensation against any loss or damage caused by burglary of the contents of Insured / Insured Person home in India, while he / she is on a trip abroad.

Claim Process & Contact Details

Reliance’s aim is to make the claims process as smooth as possible for your convenience.
Contact Details for our Service Provider - Europ Assistance:
Europ Assistance India Pvt Ltd.
7th Floor, Star Hub, Bldg No. 2,
Near ITC Maratha Hotel,
Sahar, Andheri East,
Mumbai – 400 059., India

National Numbers for any emergency assistance:
§ Toll Free:
1800 209 5522
§ Claims Landline: +91 22 6734 7843
§ Claims Landline: +91 22 6734 7844
§ Fax: +91 22 6734 7888

New International toll free numbers

Originating Country Dialed Number
Netherlands 00+800-99441111
Belgium 00+800-99441111
Italy 00+800-99441111
Norway 00+800-99441111
Poland 00+800-99441111
New Zealand 00+800-99441111
Singapore 00+1800-99441111
Portugal 00+800-99441111
Australia 0011+800-99441111
United Kingdom 00+800-99441111
Malaysia 00+800-99441111
Japan 001-010+800-99441111
China 00+800-99441111
Hong Kong 001 or 006+800-99441111
Taiwan 00+800-99441111
Argentina 00+800-99441111
Thailand 001+800-99441111
Sweden 00+800-99441111
Austria 00+800-99441111
Czech Republic 00+800-99441111
Denmark 00+800-99441111
France 00+800-99441111
Greece 86002038017 (ITFS)
Hungary 00+800-99441111
Isreal 00 or 014+800-99441111
Germany 00+800-99441111
South Africa 00+800-99441111
Spain 00+800-99441111
Swizterland 00+800-99441111
USA 18337426673 (ITFS)
Canada 011+800-99441111
Philippines 00+800-99441111
Email: reliance@europ-assistance.in
Website: www.europ-assistance.com

Reliance overseas student insurance plans

Insurance plan is available in different options based on the students needs. The student can opt for very basic plan with no medical cover just for few days or a month and later get insurance cover from the respective university where it is mandatory to get university insurance. Plan also gives flexibility in chosing the plan for a student by giving add-on benefits. The student can buy this insurance either with Add-on benefits or without Add-on benefits depending on his university requirements.The student can buy reliance student policy online for continuous 2 years at one stretch and stay insured.
  • Plan available with non-medical expenses
  • Continuous Coverage upto a period of 2 years available
  • Suitable plan for a very shorter duration which is not recommended
  • Sum insured is US$50,000
  • Continuous Coverage upto a period of 2 years available
  • Basic plan with minimum coverage
  • Sum insured is US$1,00,000
  • Continuous Coverage upto a period of 2 years available
  • Affordable plan
  • Sum insured is US$2,50,000
  • Continuous Coverage upto a period of 2 years available
  • Affordable Plan
  • Sum insured is US$5,00,000
  • Continuous Coverage upto a period of 2 years available
  • Affordable Plan with high end cover
Advantages of reliance student insurance
  • Custom made plans to suit university requirements
  • Insurance Coverage available in multiple options. (Platinum Plan-$500,000 coverage, Gold Plan - $250,000 coverage, Silver Plan - $100,000 coverage & Standard Plan - $50,000 coverage)
  • There is a basic plan available in Reliance student insurance plan without medical benefits. This plan is more suitable for students whose universities make it mandatory to get university insurance. They can be insured with this plan till they insurance cover from their university.
  • Reliance student medical insurance can be purchased for a maximum of 2 years at a time
  • Reliance student policy offers Add-on benefits with nominal excess premium where a student can choose the reliance student plan with add-on or without add-on depending upon his university requirements
  • Covers pre-existing situations in case of life threatening situations only
  • Emergency Medical Expenses (not available for basic plan)
  • Emergency Medical Transportation or Evacuation & Repatriation of Mortal Remains
  • Emergency Dental Treatment (not available for basic plan)
  • Personal Accident & Compassionate Visit
Student insurance policy does not cover (exclusions)
  • Events occurring before the start/outside policy period
  • Medical treatment abroad being the sole reason or one of the reasons for temporary stay abroad
  • Any claim if the Insured Person
    - is traveling against the advice of a physician
    - is receiving, or is on a waiting list to receive, specified medical treatment
    - has received terminal prognosis for a medical condition
    - is taking part in a naval, military or air force operation
  • Deductibles as specified in the Schedule
  • Any claim arising out of diseases, illnesses or accidents that the Insured Person has caused intentionally or by committing a crime or under the influence of intoxication
  • Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss attributable to HIV or any related illness or mutant derivative or variations
  • War and nuclear perils or Any act of terrorism
  • Any claim arising out of sporting activities of professional or semi-professional nature, unless declared beforehand & additional premium paid

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