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Medical coverage for students traveling abroad

Students travelling abroad can get medical coverage. Find out what all is covered under such an insurance policy.

Apnainsurance.com Research Bureau

11 Jan 2008

Medical expenses: If the student falls sick or has a sports injury/accident, the insurance company reimburses costs for outpatient and inpatient treatment, medical aid, therapies, and diagnostic tests, including medically necessary and prescribed emergency evacuation.

Medical evacuation: In a medical emergency where the student is prevented from being treated for the illness abroad, this travel insurance cover provides for travel costs to bring back the student to a hospital in his/her native place.

Maternity benefits: A few companies provide for medical expenses related to pregnancy, termination of pregnancy, subject to a maximum amount. This cover is subject to a waiting period of 10 months from the starting date of policy.

Mental and nervous disorders:
Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered by a few companies, subject to maximum limit.

Childcare benefits:
If the student's child is above 90 days of age, and is hospitalized for more than two days for any ailment, the policy pays a daily hospital cash benefit, subject to a maximum limit.

Dental treatment:
The student is covered for acute anesthetic treatment of natural teeth.

Cancer screening and mammography:
A few insurance companies reimburse expenses related to cancer screening and mammography examination on recommendation from a physician, subject to maximum limit.

Repatriation of remains:
If the student passes away, the insurer covers the cost of transporting the mortal remains back home or the costs towards burial abroad.

Compassionate visit:
If the student remains hospitalized for more than seven consecutive days, the insurance company provides to reimburse the return fare for one family member to visit him/her abroad; or for the student to return to India, which includes accommodation for the family member.

Personal accident:
The insurance company pays compensation if the student is permanently disabled or loses his/her life abroad in an accident.

See also:

Maternity cover in travel insurance - provided when and to who?

Can travel insurance be extended while traveling abroad?

Medical expenses not reimbursed or payable in case of cashless hospitalization

Various covers in students' travel insurance

Travel insurance groupings

Tips to buy travel insurance

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