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Student Travel Insurance for Students Already Outside India

Already left India for your studies without buying student travel insurance? Don't assume it is too late to explore your options. You can submit your travel and student details to us. We will review your request and, where appropriate, approach the relevant Indian insurance company for case by case consideration. Approval is subject to the insurer’s decision and is not guaranteed.

Student Outside India

Already outside India? Enter your travel and contact details below. We will review your request and get back to you.

Traveler Name
Traveler Date of Birth
 OR age   years
Destination country
When did you travel from India
Date of returning to India
Duration of Stay
I Certify that
Email Id
Contact Number
Security Code
Refresh
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Applicant Nationality
Submit Your Details for Review 

Already Left India Without Student Insurance?

Student travel insurance from India is normally arranged before departure. If you have already travelled abroad without purchasing insurance, you should not assume that an Indian student insurance policy can automatically be issued after departure.

In most cases, universities provide their own student health insurance plan and include the insurance fee along with the tuition or other university fees. However, some universities may accept eligible Indian student health insurance plans and allow students to apply for a waiver from the university sponsored insurance, subject to the university's requirements. If you have already left India and forgot to purchase student insurance, you can approach u and submit your student information details. We can review your request and, where appropriate, approach the relevant Indian insurance company for case by case consideration; approval and policy issuance are subject to the insurer's decision and are not guaranteed.

Documents You May Be Asked to Provide

Once you fill the above simple outside India form, you will receive an email asking for the below documents. You need to fill the required details, sign, scan and send the documents to the email provided in the email. The documents you need to send are

Document Required Reason for aksing
Health declaration Form Filled & signed Good health deceleration form
Passport copy First and last page & stamp page of the departure
Student Proof To confirm your student status
Air ticket copy Onward journey (To verify departure from India to overseas)
Any Pre-Existing Disease If the student is suffering from any pre-existng dieasse, should give details

Can I Buy Student Travel Insurance After Leaving India?

Student travel insurance from India is generally arranged before departure. If you have already left India, you should not assume that a policy can automatically be issued after departure.

However, you can submit your details through us for review. Where appropriate, we can approach the relevant Indian insurance company to determine whether your case can be considered.

The insurer makes the final decision. Approval is not guaranteed.

I Forgot to Buy Student Insurance Before Travelling. What Should I Do?

If you have already reached your study destination and realized that you did not purchase student insurance, contact us immediately and you can submit your details to us online. We need some information such as:

When did you travel from India to overseas? → Where are you currently studying? → Which country are you currently, in? → How long will you stay there? → Do you have proof that you're a student? → Do you have your travel documents?

Based on the information and documents provided, we will approach the relevant Indian insurance company for case by case consideration.

Who Can Submit a Request?

This is for

  • Indian students who have already travelled abroad
  • Students who left India without purchasing student travel insurance
  • Students currently outside India
  • Students who want to explore whether an Indian insurer may consider their case for waiver

What You Should Know Before Applying?

We Cannot Guarantee:
  • Policy issuance after departure from India
  • Acceptance / Approval of every request
  • Consideration by a particular insurance company
  • Availability of your requested coverage

The final decision rests with the respective insurance company's underwriting team.

Questions

Student Insurance After Leaving India – FAQs

Student travel insurance from India is normally purchased before leaving India. If you have already travelled abroad, you may still submit your details to NRIOL for review. Where appropriate, we can approach the relevant insurance company to see if your case can be considered. Approval and policy issuance are subject to the insurer's decision and are not guaranteed.

Don't worry. If you have already reached your study destination without student insurance, submit your travel and student details through the NRIOL request form. We will review your information and, where appropriate, approach the relevant insurance company for case-by-case consideration.

It may be possible in some cases, but it is not automatic. The insurance company must first agree to consider your request after departure from India. NRIOL can submit your details to the relevant insurer and help communicate the insurer's decision.

No. Student insurance after leaving India is not guaranteed. The insurer will review your case and decide whether the policy can be issued. The final decision, coverage, premium and policy terms are subject to the insurance company's underwriting approval.

Once we receive your details and required documents, we will submit your request to the relevant insurance company where appropriate. The review time can vary depending on the insurer and your individual case. We will update you as soon as we receive a response.

You may be asked to provide documents such as your passport, air ticket copy, student proof and a completed Good Health Declaration. The insurer may also ask for information about any pre-existing medical conditions or other documents needed to assess your request

Your air ticket copy helps the insurance company verify when you travelled from India to your overseas destination. This information is important because your request is being made after you have already left India.

Because you are requesting insurance after leaving India, the insurer may require a Good Health Declaration to assess your current health status before deciding whether your request can be considered. The form may need to be completed and signed by you.

No. NRIOL cannot guarantee insurance approval. We can collect your information, submit your request to the relevant insurance company where appropriate, and communicate the insurer's response to you. The final decision rests with the insurance company's underwriting team.

ou may tell us if you have a preferred insurance company, but we cannot guarantee that a particular insurer will consider or approve your request after you have left India. The availability of a particular plan depends on the insurer's rules and case-by-case approval.
Why NRIOL

Why Contact NRIOL If You Are Already Abroad?

It's because

  • We understand the situation students face after leaving India without insurance.
  • We understand the financial constraints of the students in overseas
  • We collect your relevant travel and student information.
  • We approach the relevant insurance company where appropriate.
  • We communicate the insurer's response and explain the next steps.

We try to help the students in getting a suitable health insurance which can cover them in overseas

In their words

Student Travel Insurance After Departure

Disclaimer

Important Information

Student travel insurance from India is generally arranged before departure. If you have already travelled outside India, policy issuance is subject to the respective insurance company's underwriting rules and approval.

NRIOL facilitates the submission and communication of your request where appropriate but does not guarantee that an insurer will consider or approve the request.

The insurance company may request additional information or documents, and the final premium, coverage and policy terms are subject to the insurer's decision.


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