Student Travel Insurance

Are you planning to study abroad that will require you to stay in a foreign country for up to a year? If yes, then you must get a travel insurance policy meant specifically for students pursuing their higher education abroad. Often with student travel insurance, you will get comprehensive protection for all your travel needs. For example, with Overseas StudentCare by Liberty Insurance, you will get worldwide coverage, access to bail bond facility, rental vehicle excess cover, and more.

AIG Student Assist: Coverage for Study Interruption

AIG Student Assist is designed to meet the requirements of students going overseas to pursue higher studies. With this policy, you will get coverage for your tuition fees, medical expenses, and a lot more when you are abroad.

Key Benefits Offered by AIG Student Assist

You will enjoy the following benefits with AIG Student Assist:

  • If you wish to have complete protection, you have the option of adding sickness medical cover in addition to the core plan.
  • You get the flexibility to choose your plan between a one-year policy and a six-month policy to match the duration of your study.
  • If you wish to go on a holiday during your term break while studying, you will get worldwide assistance and you will also get coverage for lost baggage, travel delay, and other troubles.
  • If you are going through a medical emergency, you will be covered for medical evacuation back home.
  • If you fail to complete your studies due to reasons such as terminal illness, hospitalisation, or death of a close relative, you will get your tuition fees reimbursed for an amount of up to S$10,000.
  • If your sponsor overseas is hospitalised or if he/she is permanently disabled, you will get an amount of up to S$15,000 for any unpaid tuition fees.
  • Your travel expenses will be covered if an immediate family member is hospitalised and vice versa.

Coverage Offered By AIG Student Assist

Medical Coverage
Benefits Maximum Coverage Limit
Medical expenses incurred because of an accident Up to S$15,000
Hospital visits (two-way) Up to S$5,000
Emergency medical evacuation Unlimited
Compassionate visits (two-way) Up to S$5,000
Repatriation expenses Unlimited
Injury or accidental death as a result of physical assault or battery Up to S$75,000
Personal Liability and Accident
Permanent disablement or accidental death Up to S$150,000
Personal liability abroad Up to S$300,000
Study and Sponsor Protection
Study interruption Up to S$10,000
Sponsor protection Up to S$15,000
Travel Inconvenience
Worldwide 24/7 assistance service Available
Loss of personal baggage Up to S$2,000
Overseas residence guard Up to S$3,000
Travel delay Up to S$500
Baggage delay Up to S$500
Loss of travel documents Up to S$500
Laptop computer Up to S$2,000
Also Read: Travel Insurance Promotion

MSIG Global Study: Best for Adventurous Activities Cover

With MSIG Global Study, you will get extensive coverage when you travel abroad to pursue higher education. With this policy, you have the option of choosing from a 1-month to 12-month cover options. The premium for MSIG Global Study ranges between S$64.20 and S$749.00. It also includes a 7% GST.

Key Benefits Offered by MSIG Global Study

You will enjoy the following benefits with MSIG Global Study:

  • Take a break and go on a vacation and indulge in activities such as skydiving as you will be adequately covered.
  • If your studies get interrupted by an injury or illness, you will be paid for your pre-paid course fees.
  • Your tuition fees will be paid for by MSIG if your sponsor overseas is permanently disabled or if he/she passes away.
  • If you get injured or sick, you can focus on your recovery instead of worrying about it as MSIG will pay an amount of up to S$50,000 as part of hospitalisation benefit.  
  • As part of personal accident cover, you will get a benefit of up to S$150,000.
  • You can easily purchase this policy online and get a soft copy instantly.
  • Get emergency assistance any time of the day with the 24/7 helpline number.
  • You can easily submit your claim online as the entire process is simple and transparent.

Plans And Coverage Offered By MSIG Global Study

Coverage Premier Plan Classic Plan
Overseas Assist Benefits Cover
Emergency medical evacuation Up to S$1 million Up to S$1 million
Sponsor protection (Parent) Up to S$15,000 Up to S$10,000
Study interruptions Up to S$15,000 Up to S$10,000
Sending mortal remains Up to S$1 million Up to S$1 million
Compassionate visit by a relative Up to S$10,000 Up to S$5,000
Hospital visit by a relative Up to S$10,000 Up to S$5,000
Medical and travel assistance services Available Available
Personal Liability Cover
Personal liability Up to S$500,000 Up to S$300,000
Personal Accident and Medical Related Benefits Cover
Inpatient medical expenses (illness) Up to S$50,000 Not covered
Inpatient/outpatient medical expenses (accident) Up to S$50,000 Up to S$15,000
Traditional Chinese medicine Maximum of S$200 Maximum of S$200
Accidental death and permanent total disability Up to S$150,000 Up to S$100,000
Travel Inconvenience Cover
Loss of baggage Up to S$2,000 Up to S$1,000
Loss of documents Up to S$500 Up to S$500
Delayed baggage Up to S$1,000 Up to S$500
Delayed departure Up to S$1,000 Up to S$500
Lifestyle Cover
Adventurous activities cover Covered Not covered
Alternative accommodation Up to S$3,000 Up to S$2,000
Loss of personal items Up to S$3,000 Up to S$2,000
Additional Benefits
Terrorism cover Up to S$150,000 Up to S$100,000
Also Read: MSIG Travel Insurance

Liberty Overseas StudentCare: For Worldwide Coverage

With Liberty Overseas StudentCare, you can have all your practical concerns of studying overseas addressed. This policy offers a comprehensive cover for all your needs as an overseas student. The premium payable ranges between S$200 and S$400. You will have to pay an additional premium for optional benefits.

Key Benefits Offered by Overseas StudentCare

Here is a list of benefits that you will get with Overseas StudentCare:

  • You have the option of raising your cover for study interruption and medical expenses.
  • Study loan repayment benefit.
  • Get coverage throughout the world.
  • Get access to security alerts worldwide.
  • Enjoy 24/7 emergency assistance through the helpline number.
  • Get access to bail bond facility.
  • You will have your hospital admission deposit waived at specific hospitals in Taiwan, China and Hong Kong.
  • Get comprehensive coverage for health, property, accident, and travel while you are overseas as well as when you are on a holiday during the period of insurance.

Plans And Coverage Offered By Liberty Overseas StudentCare

Benefits Offered Benefit Limit Per Person Per Annum
Accident and Health
Medical expenses following an accident Up to S$15,000
Criminal assault Up to S$100,000
Passive War Extension Available
Personal accident for an insured adult Up to S$200,000
Personal accident for an insured child Up to S$50,000
Travel Delay
Compassionate visit Up to S$5,000
Hospital visit Up to S$5,000
Loss or damage to personal baggage Up to S$1,000
Loss of travel documents Up to S$500
Baggage delay Up to S$500
Travel delay Up to S$500
Emergency Assistance
Repatriation of mortal remains Unlimited
Bail Bond Facility Covered
Worldwide Security Alerts Covered
Liberty China Card Covered
24-hour Medical and Travel Assistance Covered
Emergency Medical Evacuation Unlimited
Student Assistance
Study Interruption Up to S$10,000
Sponsor Protection Up to S$15,000
Study Loan Repayment Up to S$5,000
Property
Overseas Home Guard Up to S$3,000
Liability
Personal Liability Up to S$300,000
Rental Vehicle Excess Cover Up to S$1,000
Also Read: Liberty Travel Insurance

POSB Overseas Student Protect: For Trauma Counselling

POSB Overseas Student Protect travel insurance offers extensive coverage for students who wish to travel abroad for pursuing their higher education. With POSB Overseas Student Protect, you have the option of choosing between the Standard Plan and the Deluxe Plan. You will also get to enjoy a discount of 20% on your premium. However, this offer is applicable only until 31 December 2018. This insurance policy is underwritten by Chubb and distributed by DBS. The premium ranges between S$74.40 and S$688 if you apply during the promotion period.

Key Benefits Offered by POSB Overseas Student Protect

You will get the following benefits with this student insurance policy:

  • Your policy will be extended to offer coverage for claims arising because of an act of terrorism.
  • You will enjoy coverage if you indulge in adventurous activities such as bungee jumping, scuba diving, and more.
  • Enjoy a hospital confinement benefit of up to S$200 per day.

Plans And Coverage Offered By POSB Overseas Student Protect

Benefits Offered Standard Plan Deluxe Plan
Accidental death and disablement for an adult Up to S$100,000 Up to S$200,000
Accidental death of a child Up to S$50,000 Up to S$50,000
Disablement of a child Up to S$100,000 Up to S$100,000
Accidental medical expenses Up to S$10,000 Up to S$20,000
Felonious assault Up to S$50,000 Up to S$100,000
Medical expenses overseas for sickness Not Covered S$20,000
Overseas hospital visit Up to S$5,000 Up to S$10,000
Overseas hospital confinement benefit Up to S$1,000 Up to S$2,000
Continuation of overseas medical treatment after return to Singapore Not Covered Up to S$5,000
Study interruption Up to S$10,000 Up to S$20,000
Compassionate visit Up to S$5,000 Up to S$10,000
Repatriation of mortal remains Up to S$100,000 Unlimited
Medical and travel assistance services Available Available
Chubb assistance emergency medical evacuation Unlimited Unlimited
Overseas home contents Up to S$1,500 Up to S$3,000
Alternative accommodation Up to S$3,000 Up to S$5,000
Travel delay Up to S$500 Up to S$1,000
Delayed baggage Up to S$500 Up to S$1,000
Loss of or damage to travel documents Up to S$500 Up to S$1,000
Loss of or damage to portable computers and mobile devices Up to S$1,000 Up to S$1,000
Loss of or damage to personal baggage Up to S$1,000 Up to S$2,000
Personal liability Up to S$200,000 Up to S$450,000
Also Read: POSB Travel Insurance

Eligibility To Purchase Student Insurance Policy

You will have to fulfil the following conditions if you wish to purchase a student insurance policy:

  • You must be between 15 and 45 years of age.
  • You must be a citizen of Singapore, Permanent Resident or you must be a foreigner holding a valid Singapore student pass.
  • You are registered with a recognised institution abroad as a full-time student or as a participating student under a student exchange programme.

Primary Exclusions From Coverage

You will not be covered under the following circumstances with all the above insurance policies:

  • All types of pre-existing medical conditions.
  • Acts of war.
  • Nervous and mental disorders.
  • Suicide and self-inflicted injuries.
  • Childbirth or pregnancy-related issues.
  • Participating in professional and competitive sports.
  • AIDS.
  • Any illegal act.

Frequently Asked Questions

Q. Is there an option of renewing my plan?

A. You can renew only the 12-month policy. If you wish to renew your policy, the insurer will send the invitation to the policy to your mailing address about six weeks before the policy expires.

Q. Can I purchase a policy for my child who is over 18 years of age?

A. If your child is over 18 years of age, he/she has to apply for the policy. As a parent, you can pay the premium.

Q. Will I get any coverage if I indulge in activities such as bungee jumping, snorkelling, skiing, etc. during my study?

A. MSIG, POSB, and Liberty will offer you coverage for adventurous activities, but only if you purchase the most comprehensive plan.

Q. Will I be covered if I travel to other countries for leisure?

A.  Yes, you will be covered for the trips that you take outside your country of study within the period of insurance.

Q. Will I be covered if I travel back to Singapore during term breaks?

A. Yes, most insurance policies will cover for your trip back to Singapore during term breaks.

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