Travel Insurance 148 views July 13, 2021

Future Generali International Student Travel Insurance

Future Generali International Student Travel Insurance helps students deal with different types of uncertainties such as illnesses, loss of passport, personal accident and other stuff abroad. By choosing this plan, students can concentrate on their studies better. This two-year plan provides coverage against medical treatment expenses, accidental death or permanent total disability, mental & nervous disorders, etc.

Let’s have a look at the highlights of this plan mentioned below. 

  1. Multiple Plan Options
  2. Flexible Sum Insured to Choose From
  3. Tuition Fees Reimbursement
  4. Personal accident coverage anywhere in the world
  5. Loss of passport cover
  6. Coverage against baggage delay or loss
  7. Medical Expenses Cover
  8. Waiver of medical tests
  9. Legal Liability
  10. Special Allowances
  11. Cashless Claim Settlement at Network Hospitals
  12. Availability of Service Provider and Hospital Network Worldwide
  13. Instant Policy Issuance

Go through this page to understand this plan better as we will be discussing these features extensively. Let’s start.

Let’s Understand the Features and Benefits of Future Generali International Student Travel Insurance in Detail

Future Generali International Student Travel Insurance is a comprehensive student cover that acts as a perfect companion abroad during your studies. We have talked about its features in detail below. Please check.

Multiple Plan and Sum Insured Options

You can choose from different plans and sum insured options according to your convenience. To know more about them, check the table below.

Plan TypeSum Insured (In USD)Deductible (In USD)
Basic50,000100
Standard50,000100
Silver1,00,000/ 1,50,000100
Gold2,00,000/ 2,50,000100
Platinum5,00,000100
Asia - PacificExcluding Japan25,000100

Coverage for Medical Treatment Expenses

If an insured person faces an illness or accident while traveling, this plan from Future Generali covers the expenses incurred on the medical treatment up to 2,50,000 USD. It includes medical evacuation and repatriation, mental & nervous disorders, maternity benefits and emergency dental treatment.

Tuition Fee

International Student Travel Insurance Plan will provide reimbursement of used tuition fees up to 25,000 USD if you suffer from either of the following conditions and are unable to continue your studies (for the remaining part of a school semester)

  1. If an insured person is hospitalized (for more than one consecutive month) due to an injury or sickness or in case of a terminal illness
  2. In case of accidental death of an immediate family member

Personal Care and Travel Inconvenience

Under this benefit section, you will get coverage in the following situations.

  1. Coverage against loss of checked-in baggage up to 3,000 USD (with a deductible of 50%)
  2. Delay of checked-in baggage cover up to 150 USD
  3. Compassionate visit cover up to 10,000 USD
  4. Loss of passport cover up to 300 USD

If your sponsor dies or faces a permanent disability due to an accident, the policy will reimburse the tuition fee incurred on the remaining period of your education up to 15,000 USD.

Personal Accident Cover

In case of accidental death or permanent total disablement anywhere in the world, the policy covers up to 40,000 USD during your insurance period.

What is the Minimum Premium Amount?

The premium amount under the plan depends on the sum insured, plan type and the period of travel. The minimum amount stands at INR 825 for the sum insured of 50,000 USD for a travel period of 30 days.

Do I Need to Undergo Pre-acceptance Medical Tests?

If there is no adverse health declaration in your proposal form, you don’t need to undergo pre-acceptance medical tests. In case of a declaration, you will need to undergo medical tests before purchasing the plan. However, 50% of the expenses incurred on the test charges are reimbursed if you have a Future Generali Health Insurance Plan.

Note: Medical test reports remain valid for 30 days after they are conducted.

Future Generali International Student Travel Insurance Eligibility Criteria

Do check the important conditions related to the plan mentioned below.

  1. Minimum age at entry – 12 years
  2. Maximum age at entry – 40 years

What is Not Covered Under the Plan?

Under the International Student Travel Insurance Plan from Future Generali, you will not get coverage in the following situations.

  1. Pre-existing diseases & complications (Before the inception of your first policy) until the completion of 48 consecutive months from the date of inception of the first policy
  2. Congenital anomalies or any complications or conditions arising therefrom
  3. Suicide, attempted suicide or intentionally self-inflicted injury or illness
  4. Sexually transmitted conditions, anxiety, stress or depression, Acquired Immunodeficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV) infection
  5. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens (Unless properly prescribed by a physician and taken as prescribed)
  6. Illness and accidents from war and warlike occurrences or invasion act of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion, etc.
  7. Active participation in riots, confiscation or nationalization or requisition of or destruction of or damage to property by or under the order of any government or local authority

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