1. Star Health and Allied Insurance Co. Ltd. Star Student Travel Protect Insurance

2. Star Health and Allied Insurance Co. Ltd. Who can benefit from this Policy? Students going abroad for their higher studies

3. Star Health and Allied Insurance Co. Ltd. Coverage Medical 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. Star Health and Allied Insurance Co. Ltd. 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. Star Health and Allied Insurance Co. Ltd. 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. Star Health and Allied Insurance Co. Ltd. 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. Star Health and Allied Insurance Co. Ltd. Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Gold Plan Gold Plan Sum Insured USD 5000 0 USD 100000 USD 250000 USD 50000 USD 100000 USD 250000 Days(including USA & CANADA)(excluding USA & CANADA) 1 to 30 94313172010516629914 31 to 60 16312338391187511111818 61 to 90 281031555562126715872644 91 to 120 334736416604160719463213 121 to 180 408849348367197523443877 181 to 270 5971728212549304135284972 271 to 365 7468981816067445252978697

8. Star Health and Allied Insurance Co. Ltd. Coverage Limits : Gold Plan Sum Insured Sections USD 50000USD 100000USD 250000 CoverageDeductibleCoverageDeductibleCoverageDeductible Emergency medical Expenses (M1)50000100100000100250000100 Emergency Medical Transportation Expenses (M2) Included in M1 Transportation of Mortal Remains (M3) Included in M1 Dental Emergency Assistance (M4) NA 2503030050 Personal Accident (A1) 5000NA5000NA5000NA Loss of Checked In Baggage (T1) 300NA400NA500NA Loss of Passport (T2) NA 1501525025 Personal Liability (L1) 10000NA10000NA10000NA Bail Bond (L2) 2000NA5000NA5000NA Compassionate Visit Two Way (S1) 5000NA5000NA7500NA Study Interruption (S2) 5000NA5000NA7500NA Sponsor Protection (S3) 5000NA5000NA7500NA figures are in USD

9. Star Health and Allied Insurance Co. Ltd. Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Silver Plan Silver Plan Sum Insured USD 50000 USD 100000 USD 250000 USD 50000 USD 100000 USD 250000 Days(including USA & CANADA)(excluding USA & CANADA) 1 to 30 89512531809482585885 31 to 60 15532221352081510311764 61 to 90 267329975005117914732564 91 to 120 317935675943149318083115 121 to 180 388148347531183821823763 181 to 270 5671714011295283032834826 271 to 365 7096962014460414249288437

10. Star Health and Allied Insurance Co. Ltd. Coverage Limits : Silver Plan Sum Insured Sections USD 50000USD 100000USD 250000 CoverageDeductibleCoverageDeductibleCoverageDeductible Emergency medical Expenses (M1)50000100100000100250000100 Emergency Medical Transportation Expenses (M2) Included in M1 Transportation of Mortal Remains (M3) Included in M1 Dental Emergency Assistance (M4) NA 2002025025 Personal Accident (A1) 5000NA5000NA5000NA Loss of Checked In Baggage (T1) NA 300NA400NA Loss of Passport (T2) NA 15015 Personal Liability (L1) 10000NA10000NA10000NA Bail Bond (L2) NA 2000NA5000NA Compassionate Visit Two Way (S1) 5000NA5000NA5000NA Study Interruption (S2) 5000NA5000NA5000NA Sponsor Protection (S3) 5000NA5000NA5000NA figures are in USD

11. Star Health and Allied Insurance Co. Ltd. Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Standard Plan Standard Plan Sum Insured USD 50000 USD 100000 USD 250000 USD 50000 USD 100000 USD 250000 Days(including USA & CANADA)(excluding USA & CANADA) 1 to 30 6689431609364437821 31 to 60 1165166631366147771631 61 to 90 20052250445788511052368 91 to 120 238826785462112113572870 121 to 180 291436277187138116363469 181 to 270 4255535610773212224624476 271 to 365 5321721813797310536957827

12. Star Health and Allied Insurance Co. Ltd. Coverage Limits : Standard Plan Sum Insured Sections USD 50000USD 100000USD 250000 CoverageDeductibleCoverageDeductibleCoverageDeductible Emergency medical Expenses (M1)50000100100000100250000100 Emergency Medical Transportation Expenses (M2) Included in M1 Transportation of Mortal Remains (M3) Included in M1 Dental Emergency Assistance (M4) NA 20020 Personal Accident (A1) 2000NA4000NA5000NA Loss of Checked In Baggage (T1) NA 300NA Loss of Passport (T2) NA Personal Liability (L1) NA 10000NA Bail Bond (L2) NA Compassionate Visit Two Way (S1) NA Study Interruption (S2) NA Sponsor Protection (S3) NA figures are in USD

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

14. Star Health and Allied Insurance Co. Ltd. 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. Major Exclusions (Contd.)

15. Star Health and Allied Insurance Co. Ltd. Third Party Administrator M/S CORIS HERITAGE ASIA PACIFIC PVT.LTD. 1102, Raheja Chambers, 213, Free Press Journal Road, Nariman Point, Mumbai – 400 021 Location of CentreCoris – MiamiCoris - ParisCoris Heritage - Mumbai Jurisdiction For North central & South America For Continental Europe, UK & Ireland, Africa, Pakistan For South & South East Asia, Middle East, Australia & New Zealand Address Coris USA Inc 11900 Biscayne Blvd # 510 Miami, Fl 33181 USA Coris Assistance Tour La Villette 6, rue Emile Reynaud 75019 Paris France Coris Heritage Asia Pacific Pvt. Ltd. 1102, Raheja Chambers 213, Free Press Journal Road, Nariman Point, Mumbai- 400 021 India Toll – Free Number for Assistance +1 877 536 7264 +1 800 358 9105 (Toll Free Within US and Canada) + 800 41 41 44 44 (Toll Free from Within Europe) 1800 22 4004 (Toll Free within India) Other Telephone Numbers +1 305 698 7757 +1 305 357 2100 +33 (1) 41 61 23 07 +33 (1) 41 61 23 00 +91 (22) 6654 7965 (24 hrs) - with call back facility +91 (22) 6654 7960 +91 (22) 6654 7967 Fax Number(s) +1 305 698 0176 +1 305 891 7840 +33 (1) 53 56 09 08 +91 (22) 6654 6812 E-Mail IDassistance@corisamerica.comops@coris.frstarhealth@corisheritage.Com

16. Star Health and Allied Insurance Co. Ltd. Claim Procedure Hospitalization Claims Documents RequiredProcedure to be followed 1.Our Assistance Co. ref. No. and approval. 2.Claim form duly filled in all aspects 3.Doctor’s Advice Reports 4.Pathological/Lab Reports 5.Original bills/Receipts/Prescri ptions 6.Discharge Certificate 7.Policy Copy 8.If expenses paid by you seek reimbursement 9.Preserve all original bills/prescriptions 1.Please call our Assistance Co. Toll Free Number when dialing from USA 1 866 978 5205 Toll Free Number when dialing from Rest of the World 00 91 2267515559 2.Call for claim Form 3.Get the assistance for Admission through our Assistance Co.

17. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Personal Accident Claims Documents RequiredProcedure to be followed 1.Inform our Assistance Co. 2.Narration of the facts 3.Police Report 4.Witness Statements 5.Death Certificate, if applicable 6.Cause of Accident 7.Post mortem report, if applicable 8.Original Bills 9.Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice 1.Obtain Claim form 2.Fill in the claim form in all respects 3.Inform police 4.In case of PTD, obtain Disability Certificate from the treating Doctor 5.Witness if any, get statements from them

18. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Loss of Checked in Baggage Claims Documents RequiredProcedure to be followed 1.Claim form duly filled in 2.Copy of Letter lodging a claim on the carrier 3.Property Irregularity Report / other report issued by the Carrier 4.Compensation received from the Carrier 5.Adequate proof of value of items contained in checked in baggage value in excess of US$100 1.Please inform our Assistance Co. 2.Obtain claim form 3.Lodge complain with the Carrier 4.Send complete documents

19. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Delay of Checked-In-Baggage Claims Documents RequiredProcedure to be followed 1.Claim form with ref. 2.Copy of ticket 3.Copy of Visa/Passport 4.Certificate from the Carrier fro the delay in checked-in- baggage for more than 12 hrs 5.Irregularity Report or any other report from the airline stating date 6.Original bills of emergency consumables purchased up to the arrival of delayed baggage. 1.Inform our Assistance Co. 2.Claim form can be obtained from our Assistance Co. 3.Send duly filled in claim form with supporting documents

20. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Personal Liability Claims Documents RequiredProcedure to be followed 1.Inform our Assistance Co. 2.Narration of the Incident 3.Proof of judicial decision 4.In case of bodily injury, nature of bodily injury 5.Witness Statement 6.Victims Statement 7.Police Complaint by the victim 8.Your report to the Police 9.Legal notice, summons, etc. 10.Lawyers opinion about the incident vis-à-vis your liability 1.Inform our Assistance Co. 2.Engage Lawyer with the consent of the Company 3.Correspondence, if any, without prejudice 4.No commitment on any benefit or enter into agreement

21. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Trip Cancellation Claims Documents RequiredProcedure to be followed 1.Inform Policy issuing office/call centre 1800 425 2255 2.Fill up the claim form 3.Cause for cancellation with supporting evidence 4.In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc. 5.In case of Death of relative, Death Certificate 6.In case of Quarantine, Certificate from the Authorities 7.In case of deposing as a witness, Copy of summons served 8.Copy of ticket 9.Copies of correspondence with the Airline authorities 1.Inform Policy Issuing Office 2.Obtain claim form 3.Inform the Travel agent or the tour operator through whom the trip was arranged 4.Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip

22. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Loss Of Passport Claims Documents RequiredProcedure to be followed 1.Copy of complaint lodged with the police 2.Inform Passport office 3.Copy of lost passport 4.Cause of loss 5.Expenses incurred for obtaining duplicate passport 1.Inform our Assistance Co. 2.Take their Assistance 3.Inform Police

23. Star Health and Allied Insurance Co. Ltd.