Indian Travel Insurance for Popular Student Destinations

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So what are some of the Practical steps for Parents while deciding to send their children abroad? According to HSBC’s Report “2018 Value of Education Report – The Price of Success”, they are:
  • Start planning early - Early planning and saving for subsequent education can help your children fulfil their potential and limit the strain on family finances. Seeking professional advice can help parent’s plan and make better informed choices. Currently most Universities visit Indian colleges and have symposiums across leading cities in India to showcase their offerings.
  • Be realistic about the costs - Take into account all the costs when planning how to financially support them through higher education. Currently many banks/financial institutions offer Educational Loans which can be repaid over a period of time at subsidised rates of interest.
  • Instil good financial habits - Help your children to plan and manage the costs of student life by taking advantage of the budgeting tools and calculators available online. Given that they will have additional options of taking up part time employment while studying, this supplementary income can support the cost of the education.
  • Invest in a range of skills - Help your children choose an educational route that will equip them with the softer skills needed for the workplace of the future like problem solving and social skills as well as the specific skills for their chosen career. Most Universities do offer flexible curriculum that allows the students to study a wide variety of courses that will benefit them in their future.

Some of the more personal reasons why students choose to go abroad include

  • Opportunity to see the world - By studying abroad, they experience a brand-new country with incredible new culture, customs and activities. In addition, when they’re abroad, they won’t be limited to traveling in just the nation in which you are studying, but neighbouring countries as well.
  • Take in a New Culture - When students are abroad they will find incredible new foods, customs, traditions, and social atmospheres. They will have a better understanding and appreciation for the nation’s people and history and an opportunity to witness a completely new way of life.
  • Learn a New Foreign Language - Chances are if they’re planning on studying abroad, especially in Europe, one of the major draws is the opportunity to study and learn a foreign language. They will return with a new perspective on culture and language skills.
  • Career Opportunities - When they finish studying abroad and return home, with a great education, and a willingness to learn, these are very attractive to future employers. Many students also find that they love their host country so much that they decide to seek work there.
  • Find New Interests/Hobbies - Some new activities and interests that one may never have discovered if you’d stayed at home could be discovered while abroad. They might find that they have an as-yet undiscovered talent for hiking, water sports, snow skiing, golf, or various other new sports they may never have tried back home. Or even discover the arts like plays, movies, dancing, and concerts and other exciting forms of entertainment.
  • Make Lifelong Friends - One of the biggest benefits of studying abroad is the opportunity to meet new lifelong friends from different backgrounds. While studying abroad, one will attend school and live with students from the host country and other countries around the world. This gives them the opportunity to really get to know and create lasting relationships with their fellow students
  • Personality Development -There is nothing quite like a student being on their own in a foreign country. They might find that studying abroad really brings out their independent nature. It also given them an opportunity to discover oneself and it tests their ability to adapt to diverse situations while being able to problem solve.

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Student Travel Insurance
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Student Travel Insurance is an insurance policy specifically designed for students travelling abroad on student visa to pursue their higher studies. The policy covers students who are enrolling in colleges, universities or institutes in a foreign country for professional/other academic courses. There are coverages specific to students that include Sponsor Protection, Compassionate Visit , Bail Bond and Study Interruption.
Coverages Offered
  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Treatment of Mental Disorders
  • Cancer Screening and Mammography
  • Maternity Coverage
  • Study Interruption
  • Sponsor Protection
  • Missed Connection
  • Compassionate Visit (2 way)
  • Emergency Cash Advance
Policy Exclusions
  • Travelling against the advice of a Physician
  • Pre-existing Conditions
  • Serving in any branch of the Naval, Military or Air Forces
  • Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants
  • Ionising radiation or contamination by radioactivity from any nuclear fuel
  • External congenital anomalies
  • Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
  • Ayurvedic, Homeopath or naturopathy treatments

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