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Student Medical Insurance covers unexpected and unplanned medical and non-medical expenses when you are studying abroad. In order to faciliate greater access to quality health care, we have partnered with leading US-based Health Care provider UnitedHealth Group, to provide you access to United Health Care's network of hospitals and physicians when in the US.

Student Medical Insurance Plus Plan is an add-on cover to fulfill the various criteria of universities abroad. It covers treatment for mental and nervous disorders, including alcoholism and drug dependency, in-patient medical expenses related to pregnancy, medical expenses for inter-collegiate sports injuries, cancer screening & mammography examinations and childcare benefits. Click here to find your university specific insurance details

Frequently Asked Questions (FAQs)

I already have a health insurance from my employer. Do I still need Family Floater?

Yes. Your employer will cover your medical expenses only as long as you are providing him services. But if you change your job, retire or start something of your own venture, your personal health policy would be your shield. Secondly, the extent of cover offered by the employer may be below than what your need. The Family Floater policy will supplement your existing medical policy. Also, Family Floater provides a cover for all the insured family members under a single policy.

Do I get multiple health cards for every individual covered?

Yes. Although all the members are covered under one policy, each one of them shall get an individual health card.

How do I select the appropriate cover amount?

Consider the following factors Frequently Asked Questions (FAQs)

Your age: Age is a critical factor for determining the cover since health risk increases with age.

Pre-existing / hereditary diseases: Pre-existing diseases are covered subject to sub-limits and waiting period. For example: A person whose parents suffer from Diabetes is more prone to the same disease,here we recommend a higher cover at an early age in order to cover such pre-existing diseases.

Financial status: Consider your financial status and lifestyle before selecting the coverage amount.

Does a higher cover guarantee better protection?

A higher cover protects you from a medical emergency, which can burn a hole in your procket. Today, people are more prone to various ailments and health problems due to fast-paced lifestyle and erratic schedules. Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection.

When do I have to take a medical check-up? What is the period for the medical check-up i.e., from the start date of the policy?

On purchase of the policy, we would inform you on the medical check-up routine. Ideally, the check-ups are conducted within 5 days of paying the first premium.

How can I obtain a hard copy of my policy?

You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.

Note: If your university doesn't grant insurance waiver, you can avail premium refund within 30 days from inception, provided no claims have been made in the same period.

For cashless settlement of claims, contact us at
+91 11 4189 8800.

	Buy the policy in Indian rupees, which is 1/3 the cost of buying abroad
	Accepted by most of the foreign universities as a substitute for their compulsory insurance
	ICICI Lombard has partnered with leading US-based Health Care provider UnitedHealth Group, to provide better health care benefits and services to be availed when in the US
	Plans available with second year extension option, thereby covering you for the entire period of study
	Extend your policy 3 months in advance – Now you do not have to wait till policy expiry to extend your Student Medical cover, extend your policy 3 months in advance
	Policy coverage for 2 years – Student Medical Insurance is now available with a continuous cover for 2 years. Now cover your entire period of study and rid yourself of policy extension hassles with a policy duration of 365+365 = 730 days
	Medical outpatient expenses covered
	No pre-medical check-up required
	EMI without any extra charges: You can pay online through ICICI Bank, HDFC Bank and Citibank Credit Card at EMI without any extra charge. (Conditions Apply. Providing EMI facility for ICICI Bank, Citibank, HDFC Bank (upto 6 months) Credit Card customers at the discretion of the Banks)
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more.

Treatment for mental and nervous disorders - US$ 1,000

Treatment for mental and nervous disorders including alcoholism and drug dependency, is covered under this policy.

In-patient medical expenses related to pregnancy - US$ 500

In-patient medical expenses related to pregnancy are covered to a maximum limit of US$ 500, after a waiting period of 10 months.

Medical expenses for inter-collegiate sports injuries

Medical expenses for inter-collegiate sports injuries are covered under this policy as part of the medical cover. These expenses will be treated as any other medical expenses for an accident, and will be subject to the terms of conditions mentioned in the policy.

Cancer screening and mammography expenses - US$ 2,000

Cancer screening and mammography expenses examinations on recommendation from physician will be paid under this policy. Expenses would be paid for the usual and customary charges incurred for these test. Any tests done as a part of preventive health check-up is not included under this benefit.

Childcare benefits - US$ 100

If the child is above 90 days of age, and is hospitalized for more than 2 days, for any ailment, hospital cash benefit of US$ 100 per day will be paid, subject to a maximum of 7 days.

For more details, kindly refer to the Policy Wordings

	Minimum age of insured persons is 16 years.
	Maximum age of insured persons is 35 years.
	Non-insurable persons: professional and semi-professional sportsmen.
	The policy can be bought by students already studying abroad.

Download Claim Form

Policy Exclusions

Exclusions valid for the first 30 Days
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments: Exclusions valid for the first 30 Days Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments:

Cataract

Benign Prostatic Hypertrophy

Myomectomy, Hysterectomy unless because of malignancy

Hernia, Hydrocele

Fistula in Anus, Piles

Arthritis, Gout, Rheumatism

Joint replacement, unless due to accident

Sinusitis and related disorders

Stone in the urinary and biliary systems

Dilatation & Curettage

Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids

Dialysis required for chronic renal failure

Surgery on tonsils, adenoids and sinuses

Gastric and duodenal ulcers

If the Policy is renewed with us for two consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered from the 4th year onwards.