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Bharti AXA SmartTraveller Student Travel Insurance Plan

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Bharti AXA SmartTraveller Student Travel Insurance Plan

Bharti AXA SmartTraveller Student is a travel insurance plan for young students going abroad for studies. The plan provides cover against risks pertaining to emergency medical expenses such as diseases, critical illness, injuries and travel-related contingencies such as loss of baggage, passport, and personal accident.


Who should Bharti AXA SmartTraveller Student Travel Insurance Plan?

Young students going abroad for studies who need to be covered against potential threats like diseases, critical illnesses, or serious injuries. 


Key Features of Bharti AXA SmartTraveller Student Travel Insurance Plan

  • One Company for end to end handling
  • Quick Online purchase
  • Toll free number for claims assistance from any part of the globe
  • Customized, affordable Travel plans for students
  • Cost for pre-existing illness/ailment/disease, is covered
  • Choice to select the variant (Smart Traveller Student - Standard, Silver, Gold, Platinum)
  • Extension of covers


What does Bharti AXA SmartTraveller Student Travel Insurance Plan?

  • Medical Expenses inclusive of Repatriation and Emergency Medical Evacuation
  • Study interruption
  • Dental Care Expenses
  • Personal Accident
  • Accidental Death & Permanent Total Disability – Common Carrier
  • Daily Allowance in case of Hospitalization
  • Payment of daily Allowance
  • Compassionate Visit
  • Loss of Passport, Travellers cheques, Travelling tickets/ documents
  • Total Loss or Delay of checked Baggage
  • Personal Liability
  • Bail Bond
  • Legal Expenses
 

Bharti AXA SmartTraveller Student Travel Insurance Plan Variants

The variants offered by Smart Traveller Insurance policy are:
  • Standard
  • Silver
  • Gold
  • Platinum

Snapshot of Basic cover & Premium, variant wise

Cover chart
 
Particulars of Benefit SmartTraveller Student-Standard (in USD $) SmartTraveller Student-Silver (in USD $) SmartTraveller Student-Gold (in USD $) SmartTraveller Student-Platinum (in USD $) Deductibles
(in USD $)
Medical Expenses, including coverage(s) 100000 200000 300000 500000 100
Dental Treatment Expenses 500 500 750 750 50
Personal Accident 25000 25000 30000 30000 Nil
Accidental Death and Dismemberment – Common Carrier 1000 3000 3000 3000 Nil
Daily Allowance is case of Hospitalisation 100 per day for 8 days after 2 days 250 per day for 8 days after 2 days 400 per day for 8 days after 2 days 600 per day for 8 days after 2 days Nil
Compassionate visit 5000 7500 10000 10000 Nil
Loss of Passport and Documents 125 125  250 250 25
Total loss of checked Baggage 1000 1000 1000 1250 100
Delay of checked Baggage 100 100 100 125 8 hours
Personal liability 100000 100000 100000 125000 200
Legal Expenses 100 100 100 200 Nil
Bail Bond 1000 5000 5000 7500 50
Study Interruption 10000 10000 10000 12500 Nil
Sponsor protection 10000 10000 10000 12500 Nil

Premium Chart
 
Days Worldwide Including USA and Canada Worldwide Excluding USA and Canada
Standard Silver Gold Platinum Standard Silver Gold Platinum
30 1888 2425 3182 4576 858 1115 1455 1968
60 3304 4956 6384 8736 1536 2305 2969 3845
90 4661 6992 9006 12324 2220 3329 4289 5561
120 5723 8012 10476 14502 2729 3908 5111 6703
180 8263 10655 13832 19409 3838 5328 7256 9273
240 10240 13971 18125 25879 5816 8142 10585 14819
270 11520 15694 20218 29113 6543 9160 11908 16672
365 15573 21204 27331 37212 8356 9929 12863 19041


Bharti AXA SmartTraveller Student Travel Insurance Plan Eligibility Criteria

  Minimum Maximum
Sum Assured (in USD $) 1,00,000 5,00,000
Policy Term 30 days  2 years
Entry Age 16 years 40 years
  • The Insured should be a student, continuing for academic courses in a Foreign country
  • The policy will be issued for minimum 30 days and maximum 2 years, which can be extendable

Exclusions in Bharti AXA SmartTraveller Student Travel Insurance Plan

1. Medical Expenses (inclusive of Repatriation and Emergency Medical Evacuation)
  • Daily Allowance in case of hospitalization
  • Compassionate Visit benefits
  • Routine examinations
  • Expenses for rest or recuperation at spa/ health resort/ sanatorium
  • Pregnancy (including childbirth, miscarriage, abortion or related complications
  • Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or plastic surgery)

2. Cosmetic surgery, it’s medically necessary as part of treatment for accidents and burns whilst being abroad.

3. Suicide attempted or wilfully self-inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of drugs, or any loss arising, directly or indirectly, from any injury, illness, death, loss, expense, or other liability attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation thereof however caused.

4. Treatment which could be reasonably delayed until the Insured’s return to India, which will be decided jointly by the treating Physician and the Emergency Assistance Service Provider and shall be in agreement with accepted standards of medical care.

5. The Insured taking part in naval, military or air force operations; war and nuclear perils

6. Insured engaging in air travel unless he or she flies as a Fare Paying passenger in an aircraft licensed to carry passengers.

7. Winter sports, such as mountaineering and such other professional sports or any other hazardous or potentially dangerous sport for which the Insured members are adequately trained, physically fit and using proper equipment and that too only if specifically agreed and mentioned in the policy schedule.

8. Hazardous occupation, or if engaged in any criminal or illegal act

9. Medical Expenses in respect of Experimental, investigational or unproven treatments or treatments which are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or treatment which is a result or a consequence of undergoing such experimental or unproven treatment. 

10. Naturopathy treatment. 

11. Non Allopathic treatment e.g. - Ayurvedic, Yogic, Homeopathic, Unani treatment(s).


Claim Process for Bharti AXA SmartTraveller Student Travel Insurance Plan

In case of claim, contact on the given numbers:
Canada (Toll-Free) 844-691-8883
USA (Toll-Free) 844-691-8885
Rest of the world (Call back number) +91 11 47324403

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