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What are the Exclusions Applicable to Student Travel Insurance Policies

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Striving for an academic qualification in a foreign land is nothing out of the blue today. Not only is it a way to expand your career and personal horizons, but it is also an experience of a lifetime. You broaden your horizons, gain a global perspective, develop a well-informed mindset, deal with a cosmopolitan crowd and, most importantly, learn to live independently! A student travel insurance policy is a shining beacon in such a situation. It takes care of any problems that might arise, such as medical emergencies, issues during transit, third party damage, interrupted study, loss of passport, accidental death of your sponsor, etc.

However, there are certain exclusions that you need to be aware of-

Breach of law: When you are residing in another country, their laws bind you. Breaching the law is not tolerated by any entity. So, if you do break the law in the country you are studying. For instance, you be a part of a riot or public disorder, you may get arrested and detained. As you go through the due process of law, you might be asked to pay a fine, or might get incarcerated or deported. The student travel insurance policy will not be of any assistance in this scenario.

Consumption of intoxicants: Alcohol, drugs, narcotics. These cause problems. Haven’t we always been warned about this? Some countries allow the consumption of these substances within prescribed limits. But if you register a claim for damages caused due to use, abuse and overuse of any intoxicants, the insurance company will reject your claim.

Civil war or foreign war: Nowadays, world politics is altering at an alarming rate. During your stint while studying abroad, you might find yourself in the middle of a revolution, a civil war or a foreign war. Any injuries that you sustain or emergency that you face will not be covered under your student travel insurance policy.

STDs: Contracting a disease is an unfortunate circumstance. While your insurance policy is bound to cover most diseases, it does not cover sexually transmitted diseases or STDs such as AIDS. If you do get this disease during your stay abroad and decide to take treatment,it will not be covered as part of your student travel insurance policy. 

Pre-existing diseases: Lifestyle diseases are common in today’s stress-induced living. You may be suffering from an ailment or disease when you bought the insurance policy. So, if you face any emergency due to this pre-existing ailment, you may have to pay out of your own pocket as the student travel insurance policy will not cover it.

Mental or nervous disorder: Studying in a foreign country is no mean joke. It requires resilience and determination since you do not have any familial warmth or a consistent support system. You are responsible for solving your own problems. The stress might get to most students and they tend to fall prey to mental or nervous disorders such as depression, anxiety, etc. There is also a possibility of self-inflicted injury or attempting suicide if things go out of hand. Though developing such a condition isn’t under the student’s control, your insurance company will not entertain any claims related to this scenario.

Adventure sports: If you are a travel junkie and get a thrill out of adventure, you might enjoy parachuting, parasailing, skiing, bungee jumping, etc. Any injury that occurs while participating in any sort of hazardous sport is not covered under the student travel insurance policy.

Conclusion:

So, now that you are well aware about the exclusions under the student travel insurance policy, you can make an informed decision when you buy one. Nowadays, it is quite simple to get student travel insurance online. HDFC ERGO also offers a student travel policy, which covers medical expenses, study disruption and travel-related risks. What’s more, you can get your travel insurance within a matter of minutes!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.