Reliance Student Medical Insurance

Reliance Student insurance review

• 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
  Not Available	$50,000	$100,000	$250,000	$500,000	$50
  Dental Care Expenses
  Not Available	$500	$500	$500	$500	$50
  Personal Accident
  $25,000	$25,000	$25,000	$25,000	$25,000	Not Available
  Accidental Death- Common Carrier
  Not Available	$2500	$2500	$2500	$2500	Not Available
  2 way Compassionate Visit
  $7,500	$7,500	$7,500	$7,500	$7,500	Not Available
  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	Not Available
  Sponsor Protection
  $10,000	$10,000	$10,000	$10,000	$10,000	Not Available
  *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%

  
  

  Add on Benefits	Sum Insured(In USD)	Deductibles(In USD)
  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)	$500	Not Available
  Medical Expenses for Inter collegiate sports injuries	Covered under the Medical Expenses including Transportation & Repatriation benefit	Not Available
  Cancer Screening and Mammographic Examinations	$2,500	Not Available
  Child Care Benefits	$100 per day for a maximum of 10 days	Not Available
  Additional add on benefits	Applicable on a case-to-case basis and subject to specific approval
  Chiropractic Treatment	$1,000	Not Available
  Physiotherapy	$500	Not Available
  Skilled Nursing Facil	$500	Not Available

  
  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

• 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

• 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