ICICI Lombard Student Medical Gold Insurance

Student Insurance

  • Personalized Support Provided
  • Help Complete Wavier Form
  • Pro-Rata Refund If Rejected by University
  • Coverage for 2 way Compassionate Visit
  • Pay in Indian rupees & receive coverage in US Dollars
  • Coverage up to $500,000
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ICICI student insurance - special features

  • Offers coverage for 2 way Compassionate Visit, Bail Bond, Study Interruption, Sponsor Protection.
  • Pro-rata refund of premium in case of cancellation if the university rejects the policy.
  • Premium paid in Indian rupees, while coverage is in US Dollars. This is advantages if currency fluctuations make US dollar more expensive.
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 and accepted by most of the foreign universities as a substitute for their compulsory insurance. Gold Plan available with second year extension option, thereby covering you for the entire period of study.
  • Eligiblity
  • Plan Coverage
  • Benefits


  • 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.

Plan coverage

  •   Medical Expenses (including medical evacuation)*- US $50,000 to US $500,000 - This covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers defined outpatient, in-patient, medical aid, therapies and diagnostic tests. Emergency Medical Evacuation and Repatriation of Remains to home country is covered up to the medical sum insured chosen (US $50,000 - US $500,000)

  •   Dental Treatment *- US $250 - Covers acute anesthetic treatment of natural teeth.

  • person   Repatriation of Remains- Upto medical sum insured - Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death overseas.

  •   Checked Baggage Loss - US $1,000 - Compensation for the permanent loss of checked-in baggage.

  •   Passport Loss* - US $200 - For expenses incurred in obtaining a fresh or new passport.

  •   Personal Accident - US $25,000 - Compensation paid in case of death or permanent total disability.

  •   Personal Liability - US $100,000 - Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured.

  • note-pad   Bail Bond - US $5,000 - For the bail amount, if arrested or detained by police or judicial authorities of the place, for any bailable offence whilst abroad.

  • note-pad   Study Interruption - US $7,500 - Reimbursement for the remaining part of the current school semester fee, if studies are interrupted on account of a medical condition or compassionate reasons on the family front.

  • protection   Sponsor Protection - US $10,000 - Reimbursement of tuition fees in case of demise of person paying for studies due to an accident.

  • plane   Compassionate Visit - US $7,500 - In case of hospitalization (exceeding 7 days) of student or a family member, where a family member visits student or student visits India. Round trip economy class tickets for student/ family member, and accommodation for the family member visiting abroad, will be reimbursed.


  • 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.

Student Insurance

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