1. Star Student Travel Protect Insurance

2. Who can benefit from this Policy?
Students going abroad for their higher studies

3. Medical benefits Coverage Travel related benefits
Emergency Medical Benefits
Emergency Transportation back to India
Repatriation of mortal remains
Dental emergency expenses (following an accident)
Travel related benefits
For injuries caused by accidents
For checked-in-baggage
For expenses incurred for getting a new passport if it is lost

4. Compassionate benefits
Coverage (Contd.)
Legal Claims
For bodily injury to third parties or damage to their property, caused by the Insured
Cost of bail bond following false arrest or wrongful detention
Compassionate benefits
Visit of one immediate family member, if the Insured is hospitalized
Repatriation due to medical reasons or death of family member, resulting in interruption in study
Reimbursement of Tuition Fees for the balance period in the event of death of the sponsor

5. Plan Options Travel World Wide Including USA and Canada
Travel World Wide Excluding USA and Canada
Both the above plans have two sub options
Gold Plan
Silver Plan
Standard Plan

6. Sum Insured Options
The coverage is offered for three Sum Insured limits under all plans
USD 50,000
USD 100,000
USD 250,000

7. Premium Rating : Gold Plan
Sum
Insured
USD
50000
100000
250000
Days
(including USA & CANADA)
(excluding USA & CANADA)
1 to 30
960
1340
2045
525
640
930
31 to 60
1660
2380
3980
890
1130
1850
61 to 90
2860
3210
5660
1290
1615
2690
91 to 120
3405
3705
6720
1635
1980
3270
121 to 180
4160
5020
8515
2010
2385
3945
181 to 270
6075
7410
12770
3095
3590
5060
271 to 365
7600
9990
16350
4530
5390
8850
Premium figures are in Rupees and inclusive of S.Tax

8. Coverage Limits : Gold Plan
Sum Insured
Sections
USD 50000
USD
USD
Coverage
Deductible
Emergency medical Expenses (M1)
50000
100
100000
250000
Emergency Medical Transportation Expenses (M2)
Included in M1
Transportation of Mortal Remains (M3)
Dental Emergency Assistance (M4) NA
250 30
300 50
Personal Accident (A1)
5000
Loss of Checked In Baggage (T1)
400
500
Loss of Passport (T2)
150 15 25
Personal Liability (L1)
10000
Bail Bond (L2)
2000
Compassionate Visit Two Way (S1)
7500
Study Interruption (S2)
Sponsor Protection (S3)
figures are in USD

9. Premium Rating : Silver Plan
Sum
Insured
USD
50000
100000
250000
Days
(including USA & CANADA)
(excluding USA & CANADA)
1 to 30
910
1275
1841
490
595
900
31 to 60
1580
2260
3582
830
1050
1795
61 to 90
2720
3050
5094
1200
1500
2610
91 to 120
3235
3630
6048
1520
1840
3170
121 to 180
3950
4920
7664
1870
2220
3830
181 to 270
5770
7265
11493
2880
3340
4910
271 to 365
7220
9790
14715
4215
5015
8585
Premium figures are in Rupees and inclusive of S.Tax

10. Coverage Limits : Silver Plan
Sum Insured
Sections
USD 50000
USD
USD
Coverage
Deductible
Emergency medical Expenses (M1)
50000
100
100000
250000
Emergency Medical Transportation Expenses (M2)
Included in M1
Transportation of Mortal Remains (M3)
Dental Emergency Assistance (M4) NA
200 20
250 25
Personal Accident (A1)
5000
Loss of Checked In Baggage (T1)
300
400
Loss of Passport (T2)
150 15
Personal Liability (L1)
10000
Bail Bond (L2)
2000
Compassionate Visit Two Way (S1)
Study Interruption (S2)
Sponsor Protection (S3)
figures are in USD

11. Premium Rating : Standard Plan
Sum
Insured
USD
50000
100000
250000
Days
(including USA & CANADA)
(excluding USA & CANADA)
1 to 30
680
960
1638
370
445
835
31 to 60
1185
1695
3191
625
790
1660
61 to 90
2040
2290
4536
900
1125
2410
91 to 120
2430
2725
5558
1140
1380
2920
121 to 180
2965
3690
7313
1405
1665
3530
181 to 270
4330
5450
10962
2160
2505
4555
271 to 365
5415
7345
14040
3160
3760
7965
Premium figures are in Rupees and inclusive of S.Tax

12. Coverage Limits : Standard Plan
Sum Insured
Sections
USD 50000
USD
USD
Coverage
Deductible
Emergency medical Expenses (M1)
50000
100
100000
250000
Emergency Medical Transportation Expenses (M2)
Included in M1
Transportation of Mortal Remains (M3)
Dental Emergency Assistance (M4) NA
200 20
Personal Accident (A1)
2000
4000
5000
Loss of Checked In Baggage (T1)
300
Loss of Passport (T2)
Personal Liability (L1)
10000
Bail Bond (L2)
Compassionate Visit Two Way (S1)
Study Interruption (S2)
Sponsor Protection (S3)
figures are in USD

13. Major Exclusions
Loss directly or indirectly occasioned by happening through or in consequence of
Travel against Medical Advice
Any Pre existing condition
With the intention of receiving medical treatment
Insured being aware of circumstances that could reasonable be expected to give rise to a claim
Winter Sports or the Use of Dry ski slopes
Manual work of any kind, etc

14. Major Exclusions (Contd.)
Claims arising from pregnancy
Claims increased by the Insured’s own act or omission
Consequential Loss
Claims relating to Bankruptcy or Liquidation
Congenital anomalies or any other complications or conditions arising there from
Professional or Organised Sports, rock Climbing or mountaineering, racing speeds or endurance tests, hazardous pursuit or occupation or air travel (other than as a passenger) and similar activites.
For Detailed list of exclusions kindly refer the policy wordings.

15. Third Party Administrator
Paramount Healthcare Management Pvt. Ltd.
Dedicated Help Line –
Toll Free Number when dialing from USA
Toll Free Number when dialing from Rest of the World

16. Procedure to be followed
Claim Procedure
Hospitalization Claims
Documents Required
Procedure to be followed
Our Assistance Co. ref. No. and approval.
Claim form duly filled in all aspects
Doctor’s Advice Reports
Pathological/Lab Reports
Original bills/Receipts/Prescriptions
Discharge Certificate
Policy Copy
If expenses paid by you seek reimbursement
Preserve all original bills/prescriptions
Please call our Assistance Co.
Toll Free Number when dialing from USA
Toll Free Number when dialing from Rest of the World
Call for claim Form
Get the assistance for Admission through our Assistance Co.

17. Claims Procedure (contd.)
Personal Accident Claims
Documents Required
Procedure to be followed
Inform our Assistance Co.
Narration of the facts
Police Report
Witness Statements
Death Certificate, if applicable
Cause of Accident
Post mortem report, if applicable
Original Bills
Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice
Obtain Claim form
Fill in the claim form in all respects
Inform police
In case of PTD, obtain Disability Certificate from the treating Doctor
Witness if any, get statements from them

18. Claims Procedure (contd.)
Loss of Checked in Baggage Claims
Documents Required
Procedure to be followed
Claim form duly filled in
Copy of Letter lodging a claim on the carrier
Property Irregularity Report / other report issued by the Carrier
Compensation received from the Carrier
Adequate proof of value of items contained in checked in baggage value in excess of US$100
Please inform our Assistance Co.
Obtain claim form
Lodge complain with the Carrier
Send complete documents

19. Claims Procedure (contd.)
Delay of Checked-In-Baggage Claims
Documents Required
Procedure to be followed
Claim form with ref.
Copy of ticket
Copy of Visa/Passport
Certificate from the Carrier fro the delay in checked-in-baggage for more than 12 hrs
Irregularity Report or any other report from the airline stating date
Original bills of emergency consumables purchased up to the arrival of delayed baggage.
Inform our Assistance Co.
Claim form can be obtained from our Assistance Co.
Send duly filled in claim form with supporting documents

20. Claims Procedure (contd.)
Personal Liability Claims
Documents Required
Procedure to be followed
Inform our Assistance Co.
Narration of the Incident
Proof of judicial decision
In case of bodily injury, nature of bodily injury
Witness Statement
Victims Statement
Police Complaint by the victim
Your report to the Police
Legal notice, summons, etc.
Lawyers opinion about the incident vis-à-vis your liability
Engage Lawyer with the consent of the Company
Correspondence, if any, without prejudice
No commitment on any benefit or enter into agreement

21. Claims Procedure (contd.)
Trip Cancellation Claims
Documents Required
Procedure to be followed
Inform Policy issuing office/call centre
Fill up the claim form
Cause for cancellation with supporting evidence
In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc.
In case of Death of relative, Death Certificate
In case of Quarantine, Certificate from the Authorities
In case of deposing as a witness, Copy of summons served
Copy of ticket
Copies of correspondence with the Airline authorities
Inform Policy Issuing Office
Obtain claim form
Inform the Travel agent or the tour operator through whom the trip was arranged
Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip

22. Claims Procedure (contd.)
Loss Of Passport Claims
Documents Required
Procedure to be followed
Copy of complaint lodged with the police
Inform Passport office
Copy of lost passport
Cause of loss
Expenses incurred for obtaining duplicate passport
Inform our Assistance Co.
Take their Assistance
Inform Police