Coverage of Overseas Student Travel Insurance
Overseas Student Travel Insurance is very similar to an Annual Travel Insurance policy and it basically would have the same coverage that an Annual Travel insurance plan would have but with additional coverage that is specific to a student like loss of tuition fees. Another thing about Overseas student travel Insurance is that it has multiple lengths of pan typically counting days adding 30 days at a time. Getting the longer plan from the get-go would save you a lot on premiums compared to getting a shorter-term plan or even a normal travel policy.
The following is the main coverage of an Overseas Student Travel Insurance policy:
Medical expenses abroad
Coverage for medical expenses abroad is available, however, each insurer will cover different amounts of expenses depending on the policy you choose.
Follow-up in Thailand within 12 hours
Coverage for follow-up in Thailand within 12 hours if a medical emergency has occurred and there is a need for assistance from the hospital or doctor.
Medical expenses while in Thailand during an up to 90-day visit (for policy longer than 1 year only)
This benefit is applicable only for policies purchased during the visit period and is not valid outside of this period.
Lost of Tuition Fees (limited to one claim per policy)
If your plans get canceled due to a personal accident or a sudden death of a parent or sibling while traveling outside Thailand, the insurance company may reimburse the lost tuition fees.
Compassionate Visit (limited to one claim per policy)
If the insured person is hospitalized with a life-threatening illness or disease abroad, the company will organize a visit of up to 5 family members to the hospital and stay with them as long as necessary.
Accidental Death and Dismemberment Indemnity
Coverage for accidental death or dismemberment during travel anywhere in the world.
Emergency Medical Evacuation and Repatriation of Remains (Per event)
The insured will receive a medical evacuation to the nearest hospital if needed, and a return flight of the remains to the insured's home country if the loss of life occurred in another country.
Damage or Loss of Baggage and/or Personal Belongings with Common Carrier Maximum Limits per Article / Pair / Set
The maximum limits set by the insurance company vary depending on the type of policy.
Personal Liability (limited to one claim per policy)
Provides coverage for personal liability incurred by the insured as a result of the negligence or wrongful act of the insured resulting in bodily injury to others or damage to another person’s property.
Coverage for reimbursement for reasonable travel and accommodation expenses that result from a flight delay.
Missed Connecting Flight
Coverage for reimbursement of reasonable travel expenses resulting from a missed connecting flight.
Loss of Life, Dismemberment, Loss of Sight, or Total Permanent Disability of Parents from Accident
Benefits provided include coverage for any permanent disability incurred as a result of an accidental injury (i.e. loss of limb, eyesight, or total and permanent disability).
Note: All coverage for each policy is different and must book looked at in the policy detail this is only a guide and not a guarantee of what a typical Overseas Student Travel Insurance would cover.