ICICI Lombard Student Medical Insurance – a boon to Indian Students!

New beginnings on the academic front are about to happen as you stand on the launch pad of further education abroad. A new country, new faces, new culture and most importantly a new phase in your life is on its brim. In most of the countries, new academic sessions start in June. And in the U.K., Canada and Americas, student medical insurance is one the most important items on the compliance checklist. ICICI Lombard has the best Student Medical Insurance plans available and the most important reason why you should opt for ICICI Lombard Student Medical Insurance is that it's as per the norms of accredited colleges and universities and is accepted by over 400 Universities worldwide.

Students from the age group of 16-35 can avail the benefits of these policies (Non-insurable persons include professional and semi-professional sportsmen). The student overseas insurance policy covers medical and non-medical expenses along with features like bail bond, study interruption, sponsor protection, repatriation of remains and compassionate visit.

ICICI offers overseas medical insurance plans to students in 3 variants viz Bronze, Gold and Plus Plan. The key benefits of plus plan are enlisted below:

1. Treatment for mental and nervous disorders ( including alcoholism and drug dependency)
2. In-patient medical expenses related to pregnancy (pregnancy is covered only after a period of 10 months from the inception of your policy)
3. Medical expenses for inter-collegiate sports injuries.
4. Cancer screening and mammography expenses (any test done as a preventive health measure is not covered)
5. Childcare benefits (child should be above 90 days of age)
6. Swine Flu (H1N1) coverage.

This student insurance is designed keeping in mind the guidelines of the top notch universities and colleges of the world. Most universities grant a waiver for their compulsory insurance policy if you have ICICI Student Medical Insurance. However, if your university doesn't grant insurance waiver, you can avail premium refund within 30 days from inception, provided no claims have been made in the same period. So you have nothing to loose, but to gain from your ICICI Overseas Student Insurance!

What's more, you have to pay in Rupees rather than Dollars. If you are already a student abroad, still you can opt for these insurance plans. You can buy these plans online without the hassle of any pre-medical checkups or additional paperwork. Another key benefit is that you can avail this policy for complete 2 years thereby covering your entire academic session abroad. And, if you want to pay for just 1 year at the moment, you have the option of extending your cover for the next year. Therefore, rather than paying in full for another year's new medical insurance, you can just pay the amount of extension. You can also?? compare student medical insurance plans online. Hope this information is useful and can help you decide on the plan you want to avail. All the best for your Studies!