Bharti AXA Student Travel Insurance Policy

Bharti AXA student travel insurance policy Introduction

Bharti AXA student travel insurance policy is a powerful plan for the students who are willing to study in abroad.Study abroad is a powerful vehicle for people-to-people exchange as we move into a new era of citizen diplomacy.Education is the most powerful weapon which you can use to change the world.You might be one of the students who aspire to study abroad or a parent who wants his/ her child to get admission in a reputed foreign university.Now Bharti AXA Student Travel Insurance Policy is ready to Fulfill your aspirations and achieve your goals.

The excitement of getting a chance to study abroad is like a dream come true, but it also involves a huge risk of potential threats like diseases,critical illnesses and a concern for safety. For sure, all you parents have a feeling of anxiety sending your child miles away to a new country with strangers all around. Apart from worries like food and house and there even might be chances when a student would require someone from his family to visit him if something goes wrong.To tackle emergency situations you must need a Bharti AXA student travel insurance policy.

 Bharti AXA Smart travel insurance plan for Student consists of four products they are:

Bharti AXA student travel insurance policy Eligibility and Conditions

Eligibility and Conditions:

• Bharti AXA student travel insurance policy covers students in the age group of 16 years to 40 years
• The Insured should be a student, proceeding for studying graduation, post graduation or other academic or professional courses in a foreign country.
• The Bharti AXA student travel insurance policy will be issued for minimum 30 days and maximum 2 years, which can be extendable

           Bharti AXA student travel insurance policy cover

Bharti AXA student travel insurance policy provides cover against risks pertaining to emergency medical expenses and travel related contingencies such as loss of baggage, passport, personal accident, among other exigencies.

1.Medical Expenses, Repatriation and Emergency Medical Evacuation

2.Personal Accident -Death, Permanent Total Disability, Permanent Partial Disability: Payment of compensation if the Insured sustains accidental bodily injury during a trip resulting in accidental death or Permanent Total Disablement or Permanent Partial Disablement.

3.Emergency dental treatment:Bharti AXA student travel insurance policy covers an emergency dental treatment that Medical expenses related to acute anaesthetic treatment of a natural tooth or teeth.

4.Loss of Passport, traveller’s cheques, travelling tickets/ documents: Reimbursement of actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport or reasonable cost of replacing/obtaining the stolen travel documents/ tickets up to the limit of Sum Insured for this benefit, if the passport or travel documents belonging to the Insured be lost.

5.Loss or delay of checked-in baggage: Compensation towards total loss or delay of checked-in baggage caused by a common carrier on a trip.

6.Bail bond:Payment of the bail amount to the appropriate authority/court on behalf of Insured, if he/she is arrested or detained by Police or Judicial authorities, for any bailable offence whilst on a trip abroad.

7.Legal expenses:Payment of legal costs and expenses incurred by the Insured or the legal representative of the Insured, towards claims from Third Parties for compensation in respect of death or disablement arising due to an injury whilst on a trip abroad.

8.Study interruption:Not everyone is lucky to have an overseas degree. Some can’t afford it and the rest doesn’t qualify the entrance exams. But the fortunate students who get the chance of studying abroad many a times have to face various interruptions. It is must to see if your insurance policy covers such a situation where the course is interrupted due to some unforeseen factor.

9.Sponsor protection:Reimbursement of tuition fees for remaining period

• Extension of covers are available through an additional 10% premium. Treatment of Mental and Nervous Disorders including Alcohol and Drug Dependency In-patient medical expenses related to pregnancy/childbirth .

Bharti AXA Student travel insurance policy Benefits

Student Travel Insurance Policy – Basic Cover – Benefits Comparison

Section	Particulars of Benefit	SmartTraveller Student – Standard	SmartTraveller Student – Silver	SmartTraveller Student – Gold	SmartTraveller Student – Platinum	Deductibles
I	Medical Expenses (incl. repatriation & Emergency Medical Evacuation)	US$ 100000	US$ 200000	US$ 300000	US$ 500000	US$ 100
II	Dental Treatment Expenses	US$ 500	US$ 500	US$ 750	US$ 750	US$ 50
III	Personal Accident	US$ 25000	US$ 30000	US$ 30000	US$ 30000	Nil
IV	Accidental Death and Dismemberment – Common Carrier	US$ 1000	US$ 3000	US$ 3000	US$ 3000	Nil
V	Daily Allowance in case of Hospitalisation	US$ 100 per day for 8 days after 2 days	US$ 250 per day for 8 days after 2 days	US$ 400 per day for 8 days after 2 days	US$ 600 per day for 8 days after 2 days	Nil
VI	Compassionate Visit	US$ 5000	US$ 7500	US$ 10000	US$ 10000	Nil
VII	Loss of Passport and documents	US$ 125	US$ 125	US$ 250	US$ 250	US$ 25
VIII	Total loss of checked baggage*	US$ 1000	US$ 1000	US$ 1000	US$ 1250	US$ 100
IX	Delay of checked baggage	US$ 100	US$ 100	US$ 100	US$ 125	8 hours
X	Personal Liability	US$ 100000	US$ 100000	US$ 100000	US$ 125000	US$ 200
XI	Legal expenses	US$ 100	US$ 100	US$ 200	US$ 300	Nil
XII	Bail Bond	US$ 1000	US$ 5000	US$ 5000	US$ 7500	US$ 50
XIII*	Study Interruption	US$ 10000	US$ 10000	US$ 10000	US$ 12500	Nil
XIV*	Sponsor Protection	US$ 10000	US$ 10000	US$ 10000	US$ 12500	Nil

Bharti AXA student travel insurance policy Inclusion and Exclusion

Inclusion

Exclusion

Medical Expenses inclusive of Repatriation and Emergency Medical Evacuation Personal Accident – Death, Permanent Total Disability, Permanent Partial Disability Payment of the bail amount if arrested for any bailable offence Reimbursement of the tuition fees in case of study interruption Loss of Passport, traveller’s cheques, travelling tickets/ documents Compassionate visit

Any pre-existing condition except in case of life threatening situation Any event where the insured is under the influence of intoxicating liquor or drugs Cosmetic surgery unless warranted because of an accident, routine medical examination Injury sustained whilst participating in hazardous activities/sports Claim arising out of terrorist activities Loss of passport or documents whilst left unattended in public place or not reported to police within 24 hours Any partial loss of items contained within the checked-in baggage

Bharti AXA student travel insurance policy Claim Process

• In case of claim or any assistance kindly contact the given numbers For Canada (Toll Free) 844-691-8883 For USA (Toll Free) 844-691-8885
• For Rest of the world excluding Canada & USA (Bharti AXA General +91 11 47324403 Insurance Call back number) Please visit website ww.bharti-axagi.co.in for a detailed list of claims documents.

Bharti AXA student travel insurance policy FAQs

1.What are the benefits of taking Bharti AXA Smart Traveller Insurance Policy for students?
A.Bharti AXA Smart Traveller Insurance Policy for Students has been designed keeping in mind the requirements of students travelling overseas for higher studies. It is a comprehensive plan offering four product variants giving the flexibility to choose the benefits according to needs. Our claims team would facilitate quick disbursement of claim and provide adequate assistance.
2. What are the eligibility criteria of taking student travel insurance?
A.The insured should be in between 16 years – 40 years of age enrolling at a College/ University/ Institute for studying graduation / post graduation or other academic or professional courses in a foreign country. This policy is available for Student’s travelling on student visa.
3. What is the coverage duration?
A.The policy will be issued for a minimum period of 30 days upto maximum period of 2 years, which can be further extended up to 4 years.
4. How much sum insured is provided?
A.Minimum SI that can be offered is USD 1,00,000 and maximum SI that can be offered is USD 5,00,000.

About Bharti AXA Travel Insurance Policy