Student Travel Insurance for UK: Top Companies, Eligibility, How to Claim

Student Travel Insurance
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Travel insurance is a mandatory thing you must purchase before moving to the UK for academic purposes. Travel and health insurance covers incidents such as accidents, personal illness, legal fees, loss of baggage etc. Student travel insurance for the UK can be purchased through a lot of renowned service providers such as Bajaj Allianz, Tata AIG, Reliance General Insurance etc. All these insurance companies offer different policies designed especially for international students travelling to the UK for studies. Let’s check and understand the major features and benefits of student travel insurance for the UK.

Student Travel Insurance: Top Insurance Companies

When you get admission to any college in the UK, the university will make it mandatory to have travel and health insurance. International Student Insurance is mandatory in almost all major countries and universities. This is done to assure that the student shall not suffer any financial stress in case of any unfortunate incidents or unforeseen circumstances. Below are the details of some major insurance companies for student travel insurance:

Insurance CompaniesMajor Features
Tata AIG5 Crore + Customers Served Since Inception

Around 200 Destinations Covered

On-the-Spot Travel Insurance Service Available
Reliance General InsuranceNo Medical Checkup before buying the policy

Cashless Hospitalisation

Hassle-Free Claim Settlement
Bajaj Allianz3 Types of Policies are Offered: Travel Plan Student, Student Elite Plan, Study Companion Plan

Pre and post-hospitalisation expenses

Payment of a substantial amount to the university in case of the demise of the parent
HDFC ERGOSchengen-approved travel insurance

Medical & dental emergencies

Round-the-clock Assistance and more than 1 lakh cashless hospitals

Eligibility Criteria for Student Travel Insurance

There are certain eligibility criteria determined by the insurance companies in line with IRDAI (Insurance Regulatory and Development Authority of India). All the students buying an insurance policy from any company must fulfil all the listed eligibility criteria. If you are not eligible and still have a policy, it will be declared null and void as insurance requires complete transparency. Check some of the mandatory eligibility criteria below:

  • The minimum and maximum age for buying a student travel insurance policy shall be 16 and 35 years respectively
  • The admission must have been confirmed in a university abroad
  • Students shall disclose if there is a pre-existing disease

Also Read: Interest Rate is one of the factors to be considered while taking a loan. Check here how to calculate education loan interest rate

How to Purchase Student Travel Insurance Policy for UK?

Purchasing a student travel insurance policy for UK is simple. You can buy the policy online or on a phone call. All you have to do is visit the official website of the preferred insurance company and submit the enquiry mentioning your exact requirements. Check the steps below for purchasing a student travel insurance policy for UK:

  • Visit the official website of the insurance company
  • Go to the student travel insurance section and select the plan that suits your requirement
  • Go through the features mentioned on the website and submit the enquiry
  • Wait for the call from a representative of the company
  • Pay the premium and download the policy documents

How to Claim Student Travel Insurance Policy?

Claiming an insurance policy is very easy these days. Every single process is available just a click away. However, most insurance companies provide cashless hospitalisation services in which you don’t need to spend a single penny and you will get the treatment just by showing the card or by getting assisted by the on-spot representative. In case you want to raise a claim for any other incident, follow the below-mentioned steps:

  • Visit the official website or call the company on the toll-free number
  • Explain the situation to the representative and enquire about further steps
  • Upload the supporting documents on the portal (if required) as directed by the representative
  • The claim will be processed after verification and the claim amount will be settled in the registered bank account

Also Read: Loan refinance is one of the best options to reduce interest rates. Check here all about SBI Takeover of Education Loan

Important Guidelines

Student travel insurance policies are offered by a lot of companies and since it is mandatory the students are required to buy the policy before arrival. However, it is very important to understand the policy terms and compare the different policies offered by the insurance companies. Check some important guidelines below:

  • Read the entire detail of the policy and check what’s included and excluded in the policy.
  • Never try to make a false claim against the policy as it may land you in trouble and legal actions may be initiated
  • Keep the contract of insurance safely with you for future reference so that you can use it at the time of making an insurance claim
  • Renew the policy at least 10-15 days before the expiry date

This was all about Student Travel Insurance for UK. Check some of the common FAQs based on the same below:

FAQs

Why is student travel insurance mandatory for students moving to the UK?

Student travel insurance is mandatory for students moving to the UK to ensure they are financially protected against unforeseen incidents such as accidents, personal illness, legal fees, or loss of baggage.

What are the major features offered by insurance companies for student travel insurance?

Major features offered by insurance companies for student travel insurance include Tata AIG’s coverage in around 200 destinations, on-the-spot travel insurance service, and a large customer base whereas Reliance General Insurance offers no medical checkup policy, cashless hospitalisation, and hassle-free claim settlement

What are the eligibility criteria for purchasing student travel insurance?

The eligibility criteria for purchasing student travel insurance include:
– The student must be between the ages of 16 and 35.
– Admission must be confirmed in a university abroad.
– Disclosure of any pre-existing diseases is required. Meeting these criteria ensures the validity of the insurance policy, as transparency is crucial for its effectiveness.

How can I purchase a student travel insurance policy for the UK?

To purchase a student travel insurance policy for the UK, follow these steps:
-Visit the official website of the preferred insurance company.
-Go to the student travel insurance section and select a suitable plan.
-Review the features and submit an enquiry with your requirements.
-Wait for a call from a company representative.
-Pay the premium and download the policy documents.

What should I do to claim my student travel insurance policy?

To claim your student travel insurance policy, follow these steps:
-Visit the official website of the insurance company or call their toll-free number.
-Explain your situation to the representative and ask for further instructions.
-Upload the required supporting documents on the portal as directed.
-The claim will be processed after verification, and the claim amount will be settled in your registered bank account.

To know more about education loans, the best bank accounts for students, forex and banking experience for global students or international money transfers, reach out to our experts at 1800572126 to help ease your study abroad experience.

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About Shekhar Suman

Shekhar is a versatile writer with a passion for sharing knowledge and creativity. With expertise in crafting informative blogs on study abroad and finance, Shekhar helps readers navigate the complexities of education and financial planning. Most of his writings blend the practicality of finance and the beauty of language, making a meaningful impact in both spheres. Beyond his professional pursuits, he finds solace in the writing Shayari.

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