POLICY COVERAGE

• 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 - Inpatient 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.

KEY BENEFITS:

• 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
• Medical outpatient expenses covered
• No pre-medical check-up required
• Tailor-made plans to meet varied student needs

ELIGIBILITY

• Minimum age of insured persons is 18 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.

POLICY EXCULSIONS:

• Medical expenses arising out of
• Pre-existing conditions
• Addiction to alcohol, drugs
• Mental disorder, anxiety, depression
• Venereal diseases
• Sexually transmitted diseases, AIDS, HIV
• Radiation, nuclear weapons induced
• Sporting activities
• Expenses arising out of loss valuables, money, securities and tickets
• Loss of passport in public places
• Personal liability of the insured