Royal Sundaram Student Travel Insurance

Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed in October 2000 by the IRDAI. In February 2019, Ageas Insurance International N.V. acquired 40% equity stake in Royal Sundaram and consequent to this divestment, the stake of Sundaram Finance in our company is currently at 50%, Ageas Insurance holds 40% and the other Indian shareholders hold the remaining 10%.

Royal Sundaram has over 2000 employees with 140 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers and online and built a base of 5.2 million customers since inception. Royal Sundaram has been offering Travel Insurance solutions under the brand name of Travel Secure Student Plans to its customers across the country and today their plans are one of the most comprehensive plans (in terms of benefits) available for the Indian travellers who are venturing abroad.
What can be covered?
  • Minimum age of proposer must be 18 years.
  • No medical reports required.
  • You need to be in good health condition.
  • Minimum age at entry of insured person must be 12 years.
  • Maximum age of entry of insured person must be 40 years.
  • 1 year covered initially.
  • 6 renewals permitted.
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Travel Secure – Student Insurance Plans

Plans Adult Children
Student Plan Maximum entry age is 40 years at the commencement date of the policy Minimum entry age is 12 years

Royal Sundaram offers perhaps the most comprehensive Student Insurance solution in India at the moment. The plan is for Student who are between the ages of 12 upto 40 years of age proceeding abroad for their Secondary and Higher Education. They have Five Plan Categories under the Student Insurance plan namely Silver (A&S Cover of $50,000), Gold (A&S Cover of $100,000), Platinum (A&S Cover of $250,000), Titanium (A&S Cover of $500,000) and Diamond (A&S Cover of $750,000). They are one of the few insurers who offer the $750,000 Sum insured option for Accident & Sickness Medical Expenses (A&S).

Their Accident & Sickness Benefits include A&S Medical Expenses, Dental Relief, Accidental Death & Dismemberment (including Common Carrier), Daily Cash Allowance while in Hospital, Repatriation and Medical Evacuation. Their Non Medical Benefits are very comprehensive and include Delay and Loss of Baggage, Passport Loss, Personal Liability, Trip Cancellation and Curtailment, Bounced Hotel, Compassionate Visit etc. Apart from these benefits, they also offer some specific benefits to cater to the Student community when they travel to study abroad and these include Sponsor Protection, Study Interruption, Felonious Assault, Maternity Coverage, Coverage for Nervous Disorders, Cancer Screening, Loss of Laptop etc.

Student Insurance Overview

Benefits(in USD) Diamond Titanium Platinum Gold Silver Deductible
Medical Expenses including Medical Evacuation 750,000 500,000 250,000 100,000 50,000 100
Sickness Dental Relief 500 500 400 300 250 100
Accidental Death and Dismemberment Benefit (24 hrs) 50,000 30,000 25,000 25,000 10,000 Nil
Repatriation of Mortal Remains 10,000 10,000 7,500 5,000 2,500 Nil
Delay of Checked-in Baggage 250 250 150 50 - after 6 hours
Loss of Checked-in Baggage 2,500 2,500 2,000 1,000 500 Nil
Loss of Passport 250 250 250 250 250 25
Personal Liability 500,000 500,000 500,000 100,000 100,000 100
Trip Delay 10 per 12hr.(max. 100) 10 per 12hr.(max. 100) 10 per 12hr.(max. 100) 10 per 12hr.(max. 100) 10 per 12hr.(max. 100) after 6 hours
Hijacking Benefit 100 per day(max. 500) 100 per day(max. 500) 100 per day(max. 500) 100 per day(max. 500) 100 per day(max. 500) after 12 hours
Missed Connection/Missed Departure 1,000 1,000 750 500 250 after 6 hours
Compassionate Visit 10,000 10,000 7,500 5,000 1,500 Nil
Assistance Services Included Included Included Included Included Nil
Study Interruption 25,000 25,000 15,000 7,500 7,500 Nil
Sponsor Protection 25,000 25,000 20,000 10,000 10,000 Nil
Bail Bond 5,000 5,000 5,000 1,000 500 Nil
Felonious Assault (Accidental Death and Dismemberment) 25,000 25,000 25,000 5,000 5,000 Nil
Maternity benefit for termination of pregnancy only 3,000 2,500 1,000 500 NA Nil
Treatment for mental and nervous disorders: including alcoholism and drug dependency 2,500 2,000 1,000 500 NA Nil
Cancer screening and mammography examinations 3,000 2,500 1,500 500 250 Nil
Child Care Benefits 1,500 1,250 1,000 500 250 Nil
Coverage for pre-existing conditions Accidental & Sickness 5,000 5,000 2,500 1,000 500 Nil
Ambulance Charges 500 500 250 250 250 Nil
Physiotherapy 500 500 500 500 500 Nil
Loss of Laptop 500 500 500 - - Nil
Suicide 2,000 2,000 1,500 - - Nil

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.

FAQ for Student Insurance Plan

What are the Current Declined list of countries to which travel insurance coverage is not extended?
Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan

The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.

Claims Assistance

Royal Sundaram has an alliance with M/s Paramount Healthcare as Their Third Party Administrators (TPA) to help the insured with speedy and convenient claims process and assist you 24 X 7, whenever required.

For Claim, queries or information, you can contact the Travel TPA. The Toll Free Numbers are mentioned below.

For USA and Canada
Country International Code Number
Canada 001 18663 77 11 77
USA 001 18663 815 720 AND 18669 785 205

For other countries
To connect to the TPA from other countries, please dial the International Access Code followed by our worldwide UIFN (Universal International Freephone Number) 800 8000 8400.
Country International Access Code Number
Australia 0011 800 8000 8400
Austria 00 800 8000 8400
Belgium 00 800 8000 8400
China 00 800 8000 8400
Denmark 00 800 8000 8400
Finland 990 / 999 800 8000 8400
France 00 800 8000 8400
Germany 00 800 8000 8400
Hongkong 001 800 8000 8400
Germany 00 800 8000 8400
Hong Kong 001 800 8000 8400
Hungary 00 800 8000 8400
Ireland 00 800 8000 8400
Israel 014 800 8000 8400
Japan 001 010 / 0033 010 / 0061 010 / 0041 010 800 8000 8400
South Korea 001 / 002 800 8000 8400
Malaysia 00 800 8000 8400
Netherlands 00 800 8000 8400
New Zealand 00 800 8000 8400
Norway 00 800 8000 8400
Philippines 00 800 8000 8400
Portugal 00 800 8000 8400
Singapore 001 800 8000 8400
Spain 00 800 8000 8400
Sweden 00 800 8000 8400
Switzerland 00 800 8000 8400
Thailand 001 800 8000 8400
United Kingdom (UK) 00 800 8000 8400

You can also contact Royal Sundaram's dedicated line for Travel Insurance customers - 0091 22 4090 8315.

If there are Claim documents to be submitted, the same should be sent to:
Health Claims Department
M/s.Royal Sundaram General Insurance Co. Ltd.,
Vishranthi Melaram Towers,
No.2/319, Rajiv Gandhi Salai (OMR),
Karapakkam, Chennai 600 097.
Tel.No: 044-7117 7117.

Royal Sundaram 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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  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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