ICICI Lombard Student Medical Insurance

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Special Features

Student Medical Insurance covers unexpected and unplanned medical and non-medical expenses when you are studying abroad. In order to facilitate 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. ICICI Lombard Student Insurance online purchase facility is available for students to purchase at any time they need insurance.

Coverage Gold Plus Gold Bronze (Trip Coverage)
Medical cover* US$ 50,000 to 500,000 US$ 50,000 to 500,000 -
Dental treatment* US$ 250 US$ 250 -
Passport loss** US$ 200 US$ 200 US$ 200
Checked-in baggage loss US$ 1,000 US$ 1,000 US$ 1,000
Personal accident US$ 25,000 US$ 25,000 US$ 25,000
Personal liability US$ 100,000 US$ 100,000 US$ 100,000
Bail bond US$ 5,000 US$ 5,000 US$ 5,000
Study interruption US$ 7,500 US$ 7,500 US$ 7,500
Sponsor protection US$ 10,000 US$ 10,000 US$ 10,000
2 way compassionate visit US$ 7,500 US$ 7,500 US$ 7,500
Repatriation of remains Up to Medical Sum Insured Up to Medical Sum Insured -
Mental and nervous disorders US$ 1,000 - -
Inpatient pregnancy expenses(waiting period of 10 months) US$ 500 - -
Medical coverage for Inter-collegiate sports injuries Up to sum insured - -
Cancer Screening & Mammography Expenses US$ 2,000 - -
Childcare Benefits US$ 100 - -

* Deductible of US $ 100 - Applicable for each separate claim
** Deductible of US$ 50 - Applicable for each separate claim

Student Medical Insurance Plus Plan is an add - on plan that can be bought in addition to the Gold or the Silver plan. 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.
Plus Plan- US$ 50,000 to US$ 500,000
  • 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.
  • Accepted by most of the foreign universities as a substitute for their compulsory insurance
Gold Plan - US$ 50,000 to US$ 500,000
  • Gold Plan is a comprehensive health cover against medical expenses, dental treatment, repatriation of remains, checked baggage loss, personal accident, personal liability, bail bond, study interruption, sponsor protection and compassionate visit.
  • Accepted by most of the foreign universities as a substitute for their compulsory insurance
Bronze Plan
  • Bronze Plan covers you against sponsor protection, study interruption, compassionate visit, personal liability, bail bond, checked baggage loss and personal accident.
  • Accepted by most of the foreign universities as a substitute for their compulsory insurance
Student Medical Insurance is now available with a continous cover for 2 years, thereby covering your entire period of study without extension hassles. You may also opt for the regular 1 year policy and then extend if required to the second year. You can extend your policy three months in advance of expiry.

Student medical insurance makes sure that your study and stay abroad is smooth. There are several reasons why a student medical insurance is necessary:
  • Medical insurance is mandatory for most foreign universities including popular destinations like Australia, US, Canada, New Zealand, etc.
  • Majority of universities abroad allow waiver from on-campus health insurance with comparable domestic insurance policies
  • Available at 1/3rd the university premiums abroad, ICICI Lombard Student Medical covers major medical, repatriation, evacuation, dental expenses, etc. and can be combined with the Plus Plan for additional coverages like medical expenses related to pregnancy, Mental disorders, Cancer screening, Mammography and Sports injuries.
For Cashless Settlement
  • Inform our help line numbers mentioned below to register a claim. You can get in touch with us at the following:
    - E-mail- travelclaim@icicilombard.com
  • TPA would validate and authenticate the claim
  • TPA settles bills directly with hospitals/ provides remittance
For Student Insurance Reimbursement Settlement
  • Inform our help line numbers mentioned below to register a claim. You can get in touch with us at the following:
    - E-mail- travelclaim@icicilombard.com
  • TPA would validate and authenticate the claim
  • The insured must submit the required documents and completed claim form as per TPA guidance
  • TPA would check and reimburse payments within 15 days
Documents Required
  • Duly completed and signed claim form
  • Policy copy
  • Air ticket jacket / boarding pass
Additional Documents Required

For Health Cover
  • Original Doctor’s statement mentioning the ailment and treatment prescribed
  • Original hospital bills / receipts for the amount fully settled. In case of unsettled hospital bills, to furnish the original payment receipts, which give a clear indication that, the amount due to the hospitals have been settled in full.
For Delay of Checked-in Baggage
  • Original receipts for emergency purchases made during the period when the baggage was delayed
  • Letter from airline as to when the baggage was returned back to the insured and if any compensation is paid for settlement of claim for delay of baggage.
For Loss of Checked-in Baggage
  • Property Irregularity Report issued by the airlines
  • Letter from airline confirming that the baggage has been permanently lost
  • And if any compensation is paid towards settlement of claim Description of items lost along with relevant bills (bills are must for items valued in excess of USD $100)
For Loss of Passport
  • Receipts for obtaining duplicate passport / travel documents
  • Copy of new passport, return tickets, previous passport (if available).
  • Certificate issued by embassy of India; stamps, cost of a professional account or solicitor (Excluding any transportation involved in getting duplicate passport.)

Overseas Student Insurance India – Credit/Debit card

The purchase process for overseas student insurance plans is convenient through credit/debit. Customers can purcahse the insurance from anywhere in the world, be it the USA, Canada, Europe or Australia. Insurance customers can make the online transaction for ICICI Lombard overseas student insurance using their credit card or debit card. Enter your credit card details make the secured payment through secured payment gateways and stay covered under ICICI Lombard student insurance policy.

Student Medical Insurance India - Buy using cheque

The online facility for student insurance purchase can be also made using your cheue. The cheque can be sent to the address specified on the online application and the purchase process can be completed. The policy document can be issued, emailed and couriered after receiving the payment. Indian cheques are accepted to issue the ICICI Lombard student insurance online.