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Travel Insurance Policy – Some Misconceptions you not give you ear to

Oct 7th 2015 at 5:56 AM


By now the standardized tests needed to be taken for receiving higher education abroad should have ended and your results should be out. Also, you might have cleared the tests. Isn’t it? Well, congratulations on your success. Now when the series of worries and speculations have ended, you should get prepared for the admissions. From now on a new chapter of life is going to unfold and you might be super excited about the same. Wait! Have you purchased your Travel Insurance Policy? Are you confused whether you should buy one or not? Dear reader, be informed that there are a number of universities and institutions overseas, which don’t even accept admission forms of international students if they don’t have adequate insurance coverage for the tenure of the course they have applied for.

Travel insurance plans – some myths busted

If you are among those students or parents, who don’t give much importance or are skeptical about Travel Insurance Policy for students, here are some misconceptions given below. After going through them, you might decide whether or not you should buy one.

Indian polices are not accepted in foreign countries

You need to buy an insurance plan from the country you are going to study. This is one of the most common misconceptions that rule the mind of a number of parents as well as students. In most of the foreign universities, having a proper insurance cover is a norm. If someone tells you that Indian insurance policies are not accepted abroad, then either he or she has no idea about the same, or he or she want to puzzle you intentionally. Indian Travel Insurance Policy is accepted almost worldwide. And in most of the cases, Indian policies turn out to be less expensive in comparison to policies bought overseas. The reason – the premiums are paid in INR, but the reimbursements are done in foreign currencies.

Policies only cover travel

Overseas travel insurance plans only cover travel. This is another big misconception most of the people believe in. The reality is – a complete travel protection plan designed for students offer a wide range of features and benefits. And most importantly, it gets in force when you enter an airport to board your first flight to your overseas destination. If you go for an insurance plan offered by your university abroad, you are likely to receive medical benefits only. However, your student Travel Insurance Policy happens to provide you much more. Right from medical reimbursement to medical evacuation (in case, needed), repatriation costs to cost of dental and sport emergencies, it covers you well. Apart from these, you are also entitled to get coverage against passport or/and baggage loss and third party liabilities.

Some insurance providers also pay for compassionate visits (2-way) for the parents of the students, in case the latter is hospitalized. The best part – one can easily renew or extend the cover online. Therefore, it is highly advisable for the students to get a good student Travel Insurance Policy before flying abroad.

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