Star Health and Allied Insurance Co. Ltd. Star Student Travel Protect Insurance.

Star Health and Allied Insurance Co. Ltd.

Star Student Travel Protect Insurance


Who can benefit from this Policy?

Students going abroad for their higher studies


Coverage

Medical benefits• Emergency Medical Benefits• Emergency Transportation back to India• Repatriation of mortal remains• Dental emergency expenses (following an accident)

Travel related benefits• For injuries caused by accidents• For checked-in-baggage• For expenses incurred for getting a new passport if it is

lost


Coverage (Contd.)

Legal Claims• For bodily injury to third parties or damage to their

property, caused by the Insured• Cost of bail bond following false arrest or wrongful

detention

Compassionate benefits• Visit of one immediate family member, if the Insured is

hospitalized• Repatriation due to medical reasons or death of family

member, resulting in interruption in study• Reimbursement of Tuition Fees for the balance period in

the event of death of the sponsor


Plan Options• Travel World Wide Including USA and Canada

• Travel World Wide Excluding USA and Canada

Both the above plans have two sub options• Gold Plan• Silver Plan• Standard Plan


Sum Insured Options

The coverage is offered for three Sum Insured limits under all plans

• USD 50,000• USD 100,000• USD 250,000


Gold Plan

Sum

Insured

USD

50000

USD

100000

USD

250000

USD

50000

USD

100000

USD

250000

Days (including USA & CANADA) (excluding USA & CANADA)

1 to 30 960 1340 2045 525 640 930

31 to 60 1660 2380 3980 890 1130 1850

61 to 90 2860 3210 5660 1290 1615 2690

91 to 120 3405 3705 6720 1635 1980 3270

121 to 180 4160 5020 8515 2010 2385 3945

181 to 270 6075 7410 12770 3095 3590 5060

271 to 365 7600 9990 16350 4530 5390 8850

Premium figures are in Rupees and inclusive of S.Tax

Premium Rating : Gold Plan


Coverage Limits : Gold Plan

Sum Insured

Sections

USD 50000 USD 100000 USD 250000

Coverage Deductible Coverage Deductible Coverage Deductible

Emergency medical Expenses (M1) 50000 100 100000 100 250000 100

Emergency Medical Transportation Expenses (M2)

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Transportation of Mortal Remains (M3)

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Dental Emergency Assistance (M4) NA NA 250 30 300 50

Personal Accident (A1) 5000 NA 5000 NA 5000 NA

Loss of Checked In Baggage (T1) 300 NA 400 NA 500 NA

Loss of Passport (T2) NA NA 150 15 250 25

Personal Liability (L1) 10000 NA 10000 NA 10000 NA

Bail Bond (L2) 2000 NA 5000 NA 5000 NA

Compassionate Visit Two Way (S1) 5000 NA 5000 NA 7500 NA

Study Interruption (S2) 5000 NA 5000 NA 7500 NA

Sponsor Protection (S3) 5000 NA 5000 NA 7500 NA

figures are in USD


Silver Plan

Sum

Insured

USD

50000

USD

100000

USD

250000

USD

50000

USD

100000

USD

250000


1 to 30 910 1275 1841 490 595 900

31 to 60 1580 2260 3582 830 1050 1795

61 to 90 2720 3050 5094 1200 1500 2610

91 to 120 3235 3630 6048 1520 1840 3170

121 to 180 3950 4920 7664 1870 2220 3830

181 to 270 5770 7265 11493 2880 3340 4910

271 to 365 7220 9790 14715 4215 5015 8585


Premium Rating : Silver Plan


Coverage Limits : Silver Plan

Sum Insured

Sections

USD 50000 USD 100000 USD 250000




Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1


Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Dental Emergency Assistance (M4) NA NA 200 20 250 25


Loss of Checked In Baggage (T1) NA NA 300 NA 400 NA

Loss of Passport (T2) NA NA NA NA 150 15

Personal Liability (L1) 10000 NA 10000 NA 10000 NA

Bail Bond (L2) NA NA 2000 NA 5000 NA

Compassionate Visit Two Way (S1) 5000 NA 5000 NA 5000 NA

Study Interruption (S2) 5000 NA 5000 NA 5000 NA

Sponsor Protection (S3) 5000 NA 5000 NA 5000 NA

figures are in USD


Standard Plan

Sum

Insured

USD

50000

USD

100000

USD

250000

USD

50000

USD

100000

USD

250000


1 to 30 680 960 1638 370 445 835

31 to 60 1185 1695 3191 625 790 1660

61 to 90 2040 2290 4536 900 1125 2410

91 to 120 2430 2725 5558 1140 1380 2920

121 to 180 2965 3690 7313 1405 1665 3530

181 to 270 4330 5450 10962 2160 2505 4555

271 to 365 5415 7345 14040 3160 3760 7965


Premium Rating : Standard Plan


Coverage Limits : Standard Plan

Sum Insured

Sections

USD 50000 USD 100000 USD 250000




Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1


Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Dental Emergency Assistance (M4) NA NA NA NA 200 20


Loss of Checked In Baggage (T1) NA NA NA NA 300 NA

Loss of Passport (T2) NA NA NA NA NA NA

Personal Liability (L1) NA NA NA NA 10000 NA

Bail Bond (L2) NA NA NA NA NA NA

Compassionate Visit Two Way (S1) NA NA NA NA NA NA

Study Interruption (S2) NA NA NA NA NA NA

Sponsor Protection (S3) NA NA NA NA NA NA

figures are in USD


Major Exclusions

• Loss directly or indirectly occasioned by happening through or in consequence of

a. Travel against Medical Advice

b. Any Pre existing condition

c. With the intention of receiving medical treatment

d. Insured being aware of circumstances that could reasonable be expected to give rise to a claim

e. Winter Sports or the Use of Dry ski slopes

f. Manual work of any kind, etc


• Claims arising from pregnancy

• Claims increased by the Insured’s own act or omission

• Consequential Loss

• Claims relating to Bankruptcy or Liquidation

• Congenital anomalies or any other complications or conditions arising there from

• Professional or Organised Sports, rock Climbing or mountaineering, racing speeds or endurance tests, hazardous pursuit or occupation or air travel (other than as a passenger) and similar activites.

For Detailed list of exclusions kindly refer the policy wordings.

Major Exclusions (Contd.)


Third Party Administrator

• Paramount Healthcare Management Pvt. Ltd.

• Dedicated Help Line – 0091 2267515559

• Toll Free Number when dialing from USA - 1 866 978 5205

• Toll Free Number when dialing from Rest of the World

- 00 91 2267515559

• E-Mail : [email protected]


Claim Procedure

Hospitalization Claims

Documents Required Procedure to be followed

1. Our Assistance Co. ref. No. and approval.

2. Claim form duly filled in all aspects

3. Doctor’s Advice Reports

4. Pathological/Lab Reports

5. Original bills/Receipts/Prescriptions

6. Discharge Certificate

7. Policy Copy

8. If expenses paid by you seek reimbursement

9. Preserve all original bills/prescriptions

1. Please call our Assistance Co.

Toll Free Number when dialing from USA

1 866 978 5205

Toll Free Number when dialing from Rest of the World

00 91 2267515559

2. Call for claim Form

3. Get the assistance for Admission through our Assistance Co.


Claims Procedure (contd.)Personal Accident Claims


1. Inform our Assistance Co.

2. Narration of the facts

3. Police Report

4. Witness Statements

5. Death Certificate, if applicable

6. Cause of Accident

7. Post mortem report, if applicable

8. Original Bills

9. Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice

1. Obtain Claim form

2. Fill in the claim form in all respects

3. Inform police

4. In case of PTD, obtain Disability Certificate from the treating Doctor

5. Witness if any, get statements from them


Claims Procedure (contd.)Loss of Checked in Baggage Claims


1. Claim form duly filled in

2. Copy of Letter lodging a claim on the carrier

3. Property Irregularity Report / other report issued by the Carrier

4. Compensation received from the Carrier

5. Adequate proof of value of items contained in checked in baggage value in excess of US$100

1. Please inform our Assistance Co.

2. Obtain claim form

3. Lodge complain with the Carrier

4. Send complete documents


Claims Procedure (contd.)Delay of Checked-In-Baggage Claims


1. Claim form with ref.

2. Copy of ticket

3. Copy of Visa/Passport

4. Certificate from the Carrier fro the delay in checked-in-baggage for more than 12 hrs

5. Irregularity Report or any other report from the airline stating date

6. Original bills of emergency consumables purchased up to the arrival of delayed baggage.


2. Claim form can be obtained from our Assistance Co.

3. Send duly filled in claim form with supporting documents


Claims Procedure (contd.)Personal Liability Claims



2. Narration of the Incident

3. Proof of judicial decision

4. In case of bodily injury, nature of bodily injury

5. Witness Statement

6. Victims Statement

7. Police Complaint by the victim

8. Your report to the Police

9. Legal notice, summons, etc.

10. Lawyers opinion about the incident vis-à-vis your liability


2. Engage Lawyer with the consent of the Company

3. Correspondence, if any, without prejudice

4. No commitment on any benefit or enter into agreement


Claims Procedure (contd.)Trip Cancellation Claims


1. Inform Policy issuing office/call centre 1800 425 2255

2. Fill up the claim form

3. Cause for cancellation with supporting evidence

4. In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc.

5. In case of Death of relative, Death Certificate

6. In case of Quarantine, Certificate from the Authorities

7. In case of deposing as a witness, Copy of summons served

8. Copy of ticket

9. Copies of correspondence with the Airline authorities

1. Inform Policy Issuing Office

2. Obtain claim form

3. Inform the Travel agent or the tour operator through whom the trip was arranged

4. Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip


Claims Procedure (contd.)Loss Of Passport Claims


1. Copy of complaint lodged with the police

2. Inform Passport office

3. Copy of lost passport

4. Cause of loss

5. Expenses incurred for obtaining duplicate passport


2. Take their Assistance

3. Inform Police

Star Health and Allied Insurance Co. Ltd. Star Student Travel Protect Insurance.

Documents

Transcript of Star Health and Allied Insurance Co. Ltd. Star Student Travel Protect Insurance.