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By Meet Kapadia
Indian students often harbour aspirations to study abroad. The dream is often accompanied by education loans. Apart from which, significant costs like housing, utilities, food, visa fare, books and supplies and travel add up to the financial strain.
Under these circumstances, an unexpected medical emergency would be the last thing anyone would want. Most colleges abroad suggest students to buy medical insurance to cover such risks. Students typically go with insurance policies that their colleges provide or endorse. Though these policies are usually comprehensive, they might not be perfectly suited for international students, especially those from India.
Protection with student travel insurance
Buying student travel insurance from India is ideal. Students studying abroad often use their vacations to explore nearby countries and experience new locations. They also return to their home country to visit family and participate in weddings, festivals or other family events. They might also travel to other countries for research or course-related work.
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Student travel insurance covers unexpected incidents during such travel to nearby countries as well visits to the home country, which may not be included in college-offered policies. Policies suggested by colleges cover uncertainties in the campus or the destination country. If they have a health emergency while traveling, they won’t be covered under the college-offered policy.
Travel related benefits
Student travel policies from India not only cover medical costs but also cover other travel related benefits. These benefits cover a range of issues including the loss of important documents or baggage, flight delays, rescheduling and trip cancellations. They also provide additional coverage such as tuition fee refunds and coverage for lost laptops, ensuring your education is not interrupted. Additionally, a comprehensive student insurance policy purchased from your home country also handles non-medical costs like legal fees, bail bond expenses, tuition refunds, and third-party liabilities.
Several of these plans cover compassionate visits, enabling a family member to come to your residence country if you face a critical illness. Most plans designed for students offer sponsor protection as well, safeguarding their education if their sponsor faces any issues. Student travel policies are also pocket friendly as compared to university offered policies. One can purchase a comprehensive plan by paying just 1% of their total tuition cost.
Hence, a student travel insurance is necessary to be free of any financial and emotional stress that unexpected events can cause. By investing in a comprehensive insurance plan before embarking on your journey, you are protected from unforeseen circumstances that could otherwise disrupt your studies. This small but crucial step in your preparation can safeguard your education, finances, and well-being, allowing you to focus on making the most of your international academic adventure.
The writer is head, Travel Insurance, Policybazaar.com
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