Royal Sundaram Student Travel Insurance

Coverage Descriptions

There are also some coverages which are specific to Student Plans and their coverage descriptions are below :
Medical Expenses (including Medical Evacuation)
Following conditions are covered on actual expenses incurred subject to the limits specified in the policy schedule under this section:

1. Out Patient Treatment, Hospitalization Expenses, Medical Practitioner’s charges, Ambulance services for any illness or injury sustained while abroad.
2. Medical Evacuation to another better nearby location or to India subject to obtaining prior approval from our end for further treatment.

Sickness Dental Relief
Coverage for actual expenses incurred resulting from sickness sustained to Sound Natural Teeth during a Trip abroad.

Accidental Death & Dismemberment (including Common carrier)
The policy covers the insured for Accidental Bodily Injury during the course of his overseas journey while travelling abroad apart from in a common carrier such as rail, bus, tram or aircraft and such bodily injury is the sole and direct cause of the Insured’s death or Permanent Total Disablement.

Repatriation of Mortal Remains
In the event of the unfortunate death of the Insured Person during the Trip due to illness/ injuries, compensation will be provided for the transportation expenses reasonably incurred to return the mortal remains of the Insured Person to the place of residence in the Republic of India or the expenses for local burial or cremation in the country where the death occurred.

Loss / Delay of Checked-in Baggage
The Company will reimburse (up to the limits specified) any purchase of essential clothes, toiletries and essential medicines in the event that the Insured Person suffers a loss of baggage or delay of more than 6 hours from the Scheduled Arrival time at the destination. This benefit is only payable on outward journey from India and not on return journey to India.

Loss of Passport
In the event that the Passport, Visa belonging to the Insured Person is lost, the Company will reimburse the direct expenses necessarily and reasonably incurred in connection with obtaining emergency travel documents in lieu of passport /visa or duplicate or new passport.

Personal Liability
In the event of the Insured Person becoming legally liable to a Third Party (under statutory liability provisions or in common law for an incident which results in death, injury of such third party or damage to his/ her properties), the company will compensate the Insured person.

Compassionate Visit
If the insured person is hospitalized on account of an illness/accident for a period exceeding 5 days and requires special assistance from an immediate family member, the insurance company shall reimburse the cost of the economy class flight ticket incurred by the immediate family member and accommodation expenses not exceeding 200 USD/day.

Study Interruption
In the event of Hospitalization of the insured person of more than one consecutive month due to a covered Injury or Sickness or in the case of Terminal Sickness or in the case of a medical repatriation or in case of the death of an immediate family member and the insured student is unable to continue his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the educational institution.

Sponsor Protection
In the case of injury to the Insured Person’s Sponsor (as stated in the Enrolment Form) resulting in Death or Permanent Disablement, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education.

Bail Bond
The insurance company will pay bail bond costs that the insured student incurs, as a result of any inadvertent law breaking or false arrest or wrongful detention by any government or foreign power during his/her travel overseas.

Maternity benefit
Coverage is available towards Inpatient Medical expenses related to termination of pregnancy as a result of physician's advice to terminate pregnancy only due to medical reasons.

Treatment for mental and nervous disorders: including alcoholism and drug dependency
Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered.

Cancer screening and mammography examinations
Coverage is available for Cancer Screening and mammographic examination which are done on recommendation of a physician.

Loss of Laptop
The Company will indemnify the Insured for the loss due to Theft of the insured’s laptop. The claim shall be settled at present market value of the laptop at the time of the loss, which will be arrived at by depreciating the replacement value of the laptop by 25% per annum.