ICICI Lombard SmartTraveller Student Insurance

Inclusions

Inclusions Exclusions

Medical and Dental Expenses:

These include medical expenses, repatriation, emergency medical evaluation. Even dental care expenses such as

Cosmetic surgery:

Cosmetic surgery isn’t covered, unless essential as part of treatments for accidents when abroad.

Personal Accident:

Compensation for bodily injuries, permanent or partial disablement, death caused in an accident.

Self-inflicted injury/harm:

Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. won’t be covered.

Compassionate Visit:

If one is hospitalized for more than a certain number of days then the reimbursement and stay expenses of their family member too are covered.

Participation in warfare:

Coverage isn’t provided if one is involved in the naval, military, or air force operations

Study Interruption:

Tuition fees are reimbursed in case of discontinuation due to hospitalization, injury, etc.

Performing professional and risky sports:

Participating in risky winter sports, like mountaineering isn’t covered unless specifically agreed and mentioned in the policy document.

Legal Expenses/Personal liability:

All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries. Bail amount is given if the insured is arrested or detained by police .

Non-Allopathic treatment:

Yogic, homeopathic, unani, and ayurvedic treatments are strictly excluded .

Daily Cash Allowance:

Payment of daily allowance for the number of days that the insured person is hospitalized beyond the specific number of days

Medical expenses due to unproven treatment:
Coverage isn’t provided for expenses with respect to unproven or experimental treatment.

Loss of essentials:

Loss/theft of passport, documents, delay or loss of checked-in baggage is compensated.

Illegal Activity:

If one is involved in a hazardous occupation or engages in criminal activities while on the trip abroad, coverage won’t be provided.

Trip cancellation/delay:

Be it because of technical issues by the airline, natural disasters, medical, or any other reason, compensation is given for trip cancellation, delay or interruption .

Limitations in medical expenditure:

Daily allowance isn’t paid in case of hospitalization for certain pre-existing conditions.

Emergency Accommodation:

Due to some natural disaster, if the insured isn’t able to stay in the original accommodation, compensation for additional cost of emergency accommodation will be provided.

Treatment that could be delayed until return:
Coverage isn’t provided, if the treating physician and the emergency service provider decide that the treatment could have been delayed until return to India.

Hijack Distress:

In case if there is hijack on a common carrier for a certain number of hours, distress allowance is compensated.

Home and Fire Insurance:

Any kind of loss or damage of the things at the insured’s home back in India caused by theft/fire will be covered.