5 Common Exclusions Under a Student Travel Insurance Plan

• Written by Care Health Insurance

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Why Do You Need a Student Travel Insurance Plan? 

Studying in a university abroad can be an exciting opportunity for any student who wants to broaden his/her horizons. Exploring a new country with its vibrant culture and local traditions is just a part of the journey that you will, ultimately, enjoy to the fullest. However, it is important to have international travel insurance that is oriented towards student needs before you head out. This is because it will ensure that unexpected or emergency situations can be easily dealt with in a faraway land so that you don’t get burdened with any unexpected medical expenses. 

Based on your travel insurance needs, it would be wise to choose a plan that includes coverage of pre-existing medical conditions, accidental death, dental expenses, and daily allowance for hospitalization. In times when you are trying to work hard at your university, manage daily life, and interact with new people, your health must be in the best condition for balancing the many aspects of your busy life. Hence, choosing the right student travel insurance with a comprehensive list of medical and travel features is recommended. 

Now, while making a choice, the first thing that will meet your eyes are the benefits that these plans offer. However, there are certain exclusions as well that need to be paid attention to.

Common Exclusions Every Student Should Know About It

War or Nuclear Consequences Thereof

When you plan to join a reputed university, it is highly unlikely that a war-like situation may arise in America. But it is also noteworthy that international politics is an ever-changing field where wars and nuclear consequences can erupt without any notice. It is important to note than an international travel insurance plan doesn’t cover these situations. 

>> Check: Student Travel Insurance to Study Abroad

Expenses that can be Attributed to Drug or Alcohol Use/Abuse/Misuse

As we are all aware, substance abuse or misuse is a menace that is responsible for taking many lives all over the world. However, it is a personal decision taken by an adult; this is something that no insurance company would endorse.

Intentional Self-Injury or Attempted Suicide

Mental instability or disorders such as anxiety and depression can make a young adult vulnerable very easily. Those who suffer from such disorders and have a history of suicide attempts must be aware that any damages caused due to an intentional attempt while studying abroad will not be covered under travel insurance. 

The Individual Insured Involved in Breaching the Law

Respecting the law of the land is a must for all students studying abroad. Hence, any involvement in a fraud scheme or breaching laws related to driving rules, civil code, and other policies set by the country’s government will not be covered under international travel insurance. 

HIV/AIDS

As we are all aware, HIV is a disease that affects the immune system of the infected individual and doesn’t have a cure available in most countries. Keeping this in mind, people suffering from it should take note that international travel insurance doesn’t cover any medical expenses related to this disease. 

Therefore, researching the most common exclusions and inclusions under a student travel insurance plan is advised to all those who are planning to study abroad. 

Care Health Insurance is among the most trusted international travel insurance providers in India which offer customer-centric student travel insurance plans. These plans can be customized and have global acceptance.

Disclaimer: Plan features, benefits, coverage, exclusions, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.