Student Travel Insurance Forum

International Student Medical Insurance satisfying the University requirements

Question
Dear Insurance desk,
I want to know if your insurance has the following requirements requested by my university:
"If you chose to buy your own health insurance coverage from another source, the insurance corporation underwritng the policy must have one of the folowing ratings:
  • an A.M Best rating of "A-" or above
  • an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above
  • a Standard & Por's Claims paying Abilty rating of "A-" or above
  • a Weis Research, Inc. rating of "B+" or above"

Regards,
Priya

Answer
Dear Ms.Priya,
Thank you for contacting us for your student medical insurance requirements. Indian insurance companies do not have any rating system like the US insurance providers do. The Indian insurance providers have an office in overseas who provide guidance to the policy holders as and when the need arises.
You can get free quotes and buy the policy online at
India Student Insurance Policies

Thank you,
NRIOL Customer support.
080-4110 1026
Best Student Medical Insurance for visiting Israel

Question
Dear Insurance team,
I am a student of JNU, willing to visit Tel Aviv university Israel for 44 days starting from 20th july to 3rd september. I need good student travel medical insurance for the mentioned period.

Thanks
R S

Answer
Dear Sir,
Thank you for contacting NRIOL for your travel insurance requirements. If you are going for Tel Aviv university Israel as a student, you can buy a student plan. You can get free quotes and buy the student policy online at:
India Student Insurance Plans
Alternatively if you are going as a tourist and not as a student, you can buy the travel medical insurance at:
India Travel Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Bajaj Allianz Student Travel Insurance

Question
Dear NRIOL insurance desk,
My daughter is also planning to leave for the US in the month of November 2015. I would request you to propose me a similar medical insurance plan for her which you given her during her previous visit. She will be traveling up and down from US to India, so the insurance should be acceptable in both countries.
Please advise.

Thanks,
Ricardo

Answer
Dear Ricardo,
Thank you for contacting us for your daughters student medical insurance from Bajaj Allianz. Now Bajaj Allianz offers best student medical insurance cover up to $10,000 US dollars.

Please check with the university requirements and buy the policy online at
Bajaj Allianz Student travel Insurance
Please note that she will not be covered under this student insurance when she is back home in India however her insurance cover will start once she is back to overseas.

Thank you,
NRIOL Customer support.
080-4110 1026


Question
Dear NRIOL insurance desk,
I want to know what are all the plans which are accepted by Concordia university ,Wisconsin.

Thanks
Praveen

Answer
Dear Mr. Praveen,
Thank you for contacting NRIOL for your student insurance requirements. Indian student medical insurance plans are designed for students who study in overseas. Many Indian students buy Indian student insurance plans for studying in the US, and get their regular university insurance coverage waived. Regarding Concordia University, you must find out all your university insurance requirements and then keeping the requirements list compare the coverage benefits with the different Indian insurance company plans. The Indian student insurance plans cost only 25-30% of most US university plans and they provide comparable insurance coverage. It is very likely that you will find a suitable plan that matches your university requirements. You will then have to get this insurance coverage approved and your university insurance coverage waived by the university authorities. This is the procedure followed by Indian students while in the US.
You can get free quotes and buy the policy online at
India Student Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Student Health Insurance for studying in Athens

Question
Dear NRIOL insurance desk,
I have to apply for a student visa to go to Athens (Greece) for a period of 18 months. Kindly assist me in getting me my travel and health insurance done. Also let me know if your insurance plans will be acceptable in my college. kindly reply to me at the earliest.

Thanks
Raji

Answer
Dear Raji,
Thank you for contacting NRIOL for your Student medical insurance requirements. There are many Indian insurance companies who offer student medical insurance for Indian students registered for higher education in overseas universities. Yes these Indian student insurance plans are accepted in European Universities and are quite popular with Indian students in Europe. Please check your university requirements and compare the coverage details on our website to find the most appropriate coverage.

Thank you,
NRIOL Customer support.
080-4110 1026
Student Queries for Indian Student Insurance

Question
Dear NRIOL insurance desk,
I have Indian citizenship and currently I am a student studying in Germany. So I need the following info:
  • What are the different Health insurance plans and yearly premium for students?
  • I am not sure whether this insurance will be accepted in University so can I get back the refund in that case?
  • Do you have cashless payment in Germany?
Thanks
Priyank

Answer
Dear Priyank,
Thank you for contacting NRIOL for your Student medical insurance requirements. Answers for the questions you raised are as below:
  • Indian insurance companies provide student medical coverage ranging from $50,000 to $20,000 US dollar cover. You can get free quotes and buy the policy online at
    Indian Student Insurance Plans
  • Before you buy the policy from NRIOL website please check your university requirements so that we can choose a suitable plan which suits your university requirements. If your university does not accept the insurance, then we need the rejection letter from your university after which we can cancel the policy and process for refund. You will get a refund on prorata basis.
  • Yes, the insurance companies has cashless treatments for hospitalization more than 24 hours in Germany. Relevant toll free numbers will be printed in the policy document which will help you in contacting the assistance providers in case of any emergency.
Thank you,
NRIOL Customer support.
080-4110 1026
Student Health Insurance for Czech Republic

Question
Dear Insurance desk,
I need insurance for Czech Republic as I am going to pursue my studies. Which is the best insurance?

Regards
Sugan

Answer
Dear Mr.Sugan,
Thank you for contacting NRIOL for your Student medical insurance requirements. As you are going to czech republic please buy a plan with the destination "Excluding USA & Canada". We deal with multiple insurance companies which offer student medical insurance with different coverage options. Please check with your university insurance requirements and buy the policy.
You can get free quotes and buy the policy online at
India Student Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Claiming Bajaj Allianz Student Insurance

Question
Dear NRIOL insurance desk,
I need a guide on how to claim the insurance for Bajaj Allianz student insurance.

Thanks
Ruat

Answer
Dear Raut,
Thank you for contacting us for your Bajaj Allianz student insurance requirements. Hospitalization medical expenses more than 24 hours is cashless after the deductible and outpatient medical expenses or just a doctor visit is you pay upfront and get it reimbursed later.

You can get free quotes and buy the insurance online at:
Claims Procedure

Thank you,
NRIOL Customer support.
080-4110 1026
Bajaj Allianz Student Insurance for studying in USA

Question
Dear NRIOL insurance desk,
I want to take medical insurance as i am going to USA for my masters, So where can i get the quotes and your different plans of Bajaj Allianz student.
Thanks,
Abhishek

Answer
Dear Mr. Abhishek,
Thank you for contacting NRIOL for your Bajaj Allianz student insurance requirements. Bajaj Allianz offers plans ranging from $50,000 to $1000,000 coverage. Please go through the benefit details, cross check if you have any university requirements and then buy the suitable plan online.

You can get free quotes and buy the insurance online at:
Bajaj Allianz Student Insurance

Thank you,
NRIOL Customer support.
080-4110 1026
Bajaj Allianz Student Insurance Renewal

Question
Dear NRIOL insurance desk,
I want to renew my Bajaj Allianz student insurance for one more year. Can you answer my questions before I proceed further.
  • I haven't made any claims in the past year? Will I get any benefits for it?
  • Is there any rebate or reduction in premium or any other kind of benefit (if any) if I renew my policy instead of purchasing a new one?
Thanks,
Madhavan

Answer
Dear Mr.Madhavan,
Thank you for your email. You will not be getting any rebate or discount on the renewal premium. Since you have not made any claims on the previous policy you can renew the policy online, had you made a claim, we would have to have the underwriting team review the application before authorizing you to buy the plan. It is easier to renew the existing policy than buying a new one and you cannot directly buy a new policy since you are already outside India.

You can renew the policy online at:
Bajaj Allianz Student Insurance Renewal

Thank you,
NRIOL Customer support.
080-4110 1026
Coverage for study interruption

Question
Dear Insurance desk,
I am travelling to Germany on a student visa. Could you tell me what is study interruption.

Thanks,
Deepak

Answer
Dear Mr. Deepak,
In the event of Hospitalization of the insured person of more than one consecutive month from either a covered Injury or Sickness or in the case of Terminal Sickness or in the case of a medical repatriation or in case of the death of an immediate family member, which prohibits the Insured Person from continuing his/her studies for the remaining part of a school semester for which Tuition has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the educational institution, up to the amount stated in the Policy Schedule.
TATA AIG Logo
You can get free quotes and buy the policy online at:
TATA AIG Student Insurance

Thank you,
NRIOL Customer support.
080-4110 1026
Student Insurance for Paris

Question
Dear NRIOL insurance desk,
I need oversees student medical insurance for €30,000 as I'm visiting Paris.

Regards,
Aanchal

Answer
Dear Anchal, Thank you for contacting NRIOL for your student medical insurance requirements. The student plans are in US dollars coverage and the minimum $50,000 coverage will satisfy your Schengen visa requirements.
You can get free quotes and buy the policy online at:
Student Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Other options when a student insurance plan is rejected by the university

Question
Hi NRIOL team
I have a question here. If I buy this student Policy and it is not approved by my college. What should be done.?

Regards,
Jayaram

Answer
Dear Mr. Jayaram,
Thank you for contacting NRIOL for your student insurance requirements. You can buy student medical insurance online and also we can assist you in getting your university wavier form filled by the respective insurance company and send it you.

In case if the university rejects the insurance, then please send us an email along with the university rejection letter. The policy will be cancelled and refund the premium will be done on pro-rata basis (unused portion of the policy period).

Thank you,
NRIOL Customer support.
080-4110 1026
Waiver form from insurance company

Question
Dear Insurance team,
My son 18 year old going to Purdue university Indiana in USA on 14th August 2015. As the university insurance is very costly when compared to student medical insurance provided by Indian insurance companies, I want to buy health insurance. Will the Indian policy will get a wavier from the university?

Thanks in advance.
Ishwar

Answer
Dear Ishwar,
Yes student medical insurance provided by Indian insurance companies are 3-4 times cheaper than the insurance provided by the university. You can buy the student medical insurance from Indian insurance companies. Also ask your son to get the wavier form from the university and we can help you getting the wavier form filled from the insurance company head office.
You can get free quotes and buy the policy online at:
Student Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Bajaj Allianz student insurance satisfying university requirements

Question
Dear Insurance team,
I am interested to buy Bajaj Allianz student plan. Below is the list of my university requirements for which I need clarifications before I buy a plan.
  • Coverage must be effective on the first day of the semester through the last day of the semester, with no break in coverage.
  • Maximum lifetime benefit must be unlimited.
  • Coverage must meet or not exceed affordable care act requirements ($6600 deductible or less, per person)
  • Company operated and claims paid in the US, and in full compliance with U.S. insurance laws.
  • International students must have at least $10,000 of repatriation coverage and $15,000 of medical evacuation coverage in addition to above requirements.
Regards
Thanks,
Rajat

Answer
Dear Rajat,
Thank you for contacting NRIOL for your student medical insurance requirements.
bajaj allianz logo
Please find the answers for your questions.
  • Buy the insurance before your semester starts so that you can have cover for entire semester. Also renew your policy before the current policy expires to avoid any break in insurance cover.
  • Maximum lifetime benefit is up to Sum Insured you choose. Currently Bajaj Allianz offers student plans ranging from $50,000 to $1000,000 US dollars.
  • A minimum of $100 US dollar deductible is charged per claim.
  • Claims are settled in US
  • Medical evacuation and repatriation are covered under medical expenses sum insured
The policy benefit details can be viewed and the policy can be purchased online using your Indian/international credit cards at: Bajaj Allianz Student Insurance

Thank you,
NRIOL Customer support.
080-4110 1026
Insurance Company address for waiver form

Question
Hi NRIOL customer support,
I need to get student insurance waiver from my university. For that I will need Bajaj Allianz address in the USA. Can you please send me the address of your insurance company in the US as soon as possible.

Thanks & Regards,
Elveera

Answer
Dear Ms Elveera,
Thank you for choosing us for your student insurance requirements. Please find the below US address:
AGA SERVICE USA
9950 MAYLAND DRIVE, RICHMOND,
VIRGINIA, United States
VA-23233
Do feel free to contact us at +91-80-41101026 if you have any questions.

Thank you,
NRIOL Customer support.
080-4110 1026
Student Insurance from Trawelltag Cover-More Insurance

Question
Hello Customer support,
I was about to buy an Insurance for a period of 1 year from Trawelltag Cover-More Insurance. I want to know the address of Trawelltag Cover-More Insurance in United States as it is needed for my university. Kindly give some details regarding the same.

Thank you
Regards,
Praveen

Answer
Dear Praveen,
Thank you for contacting NRIOL for your student medical insurance requirements. Please find the Trawelltag Cover-More Insurance's claim assistance support address and contact details in the USA.
April USA Assistance,
INC, 11900, Biscayne Blvd
# 600, MIAMI, FL 33181, USA
Tel: 001 305 698 7757 / 001 305 357 2100
Toll Free: From within USA 001 877
536 7264 / 001 800 358 9105 Email : assistance@corisamerica.com
Trawelltag Cover-More Travel medical insurance policy benefit details can be viewed and the policy can be purchased online using your Indian/international credit cards or debit card at Trawelltag Cover-More Insurance Online
Do feel free to contact us at +91-80-41101026 if you have any questions.

Thank you,
NRIOL Customer support.
080-4110 1026
TATA AIG Student Insurance Waiver Form for Michigan State University

Question
Dear NRIOL Customer support,
I recently purchased the TATA AIG Student insurance plan. I am going to Michigan State University. I need help with the insurance waiver form.

Thank you,
Varshini

Answer
Dear Varshini,
Please send us the waiver form with your relevant information completed, and we will get the section to be completed by the insurance company completed here.

Thank you,
NRIOL Customer support.
080-4110 1026
Queries related to insurance terms in the application

Question
Dear NRIOL Customer support,
  1. What is the ID number of the student?
  2. Who is the Carrier?
  3. Phone number of the Carrier?
  4. What is the insurance number/policy number?
Thank you,
Varshini

Answer
Dear Varshini,
Here is some information regarding TATA AIG insurance company in response to your query for the waiver form -
  1. Policy schedule number is the ID number.
  2. TATA AIG General Insurance Company Limited
  3. 1-866-866-2619 (as the policy is including Americas)
  4. Policy Schedule number is your insurance number / policy number.
Thank you,
NRIOL Customer support.
080-4110 1026
Student Travel Insurance Claims Procedure

Question
Dear NRIOL Customer support,
I am planning to buy Student Travel Insurance. I want to know about the claims procedure.

Thank you,
Bhagyashree

Answer
Dear Bhagyashree,
Hospitalization medical expenses for more than 24 hours are cashless after the deductible of US $100 and for OPD medical expenses you have bear entire expenses upfront and claim for reimbursement later by submitting the relevant documents. You will get the reimbursement after the deductible of US $100

Thank you,
NRIOL Customer support.
080-4110 1026
Medical Insurance for students on f1 visa in USA

Question
Dear NRIOL Customer support,
I am proceeding to USA for higher studies with F1 Visa. Date of Journey will be 12th/13th of Aug 2014. I would like to have Travel insurance on two basis:
  1. For two to three days ie: prior and after the journey to cover my journey.
  2. For two years of coverage at USA.
Thank you,
Ramprasadh

Answer
Dear Ramprasadh,
With reference to your queries you can make the policy start date on the day you leave India and you can buy either Reliance student travel insurance or ICICI Lombard student travel insurance who offer insurance for 2 years at a time. While other companies which offer insurance for 1st year and can be renewed for 2nd year are student guard insurance from TATA AIG, Student Elite and Study Companion insurance from Bajaj Allianz, Chola student travel insurance from Cholamandalam. We can help you complete the university insurance waiver form if required. Please send us the waiver form with your relevant information completed, and we will get the section to be completed by the insurance company.

Want to know more about student insurance? Click here

Thank you,
NRIOL Customer support.
080-4110 1026
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