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Overseas Student
Travel insurance plans specifically tailored for overseas students offer comprehensive protection for individuals embarking on academic journeys abroad. The policy are designed to cater to students aged between 13 and 50, providing coverage for a wide range of travel-related contingencies. Whether you're pursuing a short-term course of three months or a longer academic program spanning up to two years. This Overseas Student travel insurance with a starting premium of 4,700 Baht offers comprehensive coverage for unexpected events. Benefits include compensation for lost tuition fees and medical expenses for both accidents and illnesses incurred while studying abroad. It also covers the cost of traveling to visit a patient at a foreign hospital, along with 24/7 worldwide travel and medical assistance services from MSIG Assist.
Key features
A 24-hour worldwide plan that covers injury, disability or death caused by accidental means.
Covers expenses incurred for Emergency Medical Evacuation.
Specially designed for students between 13 to 50 years of age and studying at an overseas educational institution.
Premium starts from 4,700 Baht.
Study Interruption Benefit covers the cost of tuition fees up to the sum insured if you are unable to continue with studies.
Valid for a maximum period of 2 years of overseas studies.
Plan details
- Covers medical expenses for both sickness and injury up to 5,500,000 Baht.
- Covers all expenses for study interruption up to a maximum of 350,000 Baht.
- Reimburses hospital visits up to 350,000 Baht.
- Covers flight delays up to 10,000 Baht.
- Covers loss of life, dismemberment, loss of sight or total permanent disability of parents due to accident up to 100,000 Baht.
| Insuring Agreement | Sum Insured (Baht) | ||
|---|---|---|---|
| Student 1 | Student 2 | Student 3 | |
1. Medical Expenses | 5,500,000 | 2,500,000 | 2,000,000 |
2. Study Interruption | 350,000 | 300,000 | 200,000 |
3. Hospital Visit Maximum Limit | 350,000 | 300,000 | 200,000 |
4. Loss of Life, Dismemberment, Loss of Sight or Total Permanent Disability from Accident | 3,000,000 | 2,000,000 | 1,500,000 |
5. Emergency Medical Evacuation or Repatriation | 5,500,000 | 4,000,000 | 3,000,000 |
6. Repatriation of Mortal Remains | |||
7. Damage or Loss of Baggage and/or Personal Belongings when travelling on a Licensed Public Carrier | 100,000 | 60,000 | 40,000 |
| Maximum Limits per Article/Pair/Set | 10,000 | 8,000 | 5,000 |
8. Personal Liability | 1,000,000 | 1,000,000 | 1,000,000 |
9. Flight DelayBenefits paid for every 6 consecutive hours delay | 10,000 2,000 | 10,000 2,000 | Not covered |
10. Missed Connecting FlightBenefits paid for every 6 consecutive hours delay | 10,000 2,000 | 10,000 2,000 | Not covered |
11. Loss of Life, Dismemberment, Loss of Sight or Total Permanent Disability of Parents from Accident | 100,000 | 100,000 | 100,000 |
Remark:
- Item 1: Includes medical expenses in Thailand in case of temporarily return within 90 days (must return to study), with limit not exceeding 200,000 Baht. This is applicable only if the policy period is for one year or more.
- Item 3 : Includes transportation, accommodation and food up to maximum 5,000 Baht per day or maximum 50,000 Baht per occurrence.
- Item 5, 6 : Emergency Medical Evacuation or Repatriation and Repatriation of Mortal Remains are under the same limit. If it is discovered that the Insured suffers from an injury or sickness or loss of life from a pre-existing condition, then the Company shall provide cover under these Insuring Agreements combined and in total not exceeding 5 % of the sum insured specified in the Schedule (which is considered as part of the sum insured of item 5. Emergency Medical Evacuation and Repatriation and item 6. Repatriation of Mortal Remains)- Any one Occurrence and any one Policy Period.
- Item 7 : No deductible
- Item 2-6, 8, 11 : Any one Occurrence and any one Policy Period
- Item 1, 7, 9, 10 : Any one Occurrence
MSIG Contact Centre
Tel: 02 007 9000
Email: Click here
Monday – Friday (8.30 a.m. – 9.00 p.m.), Saturday (9.00 a.m. – 6.30 p.m.)
(Except Sunday and Official Holidays)
During Trip
MSIG Assist (24-hour worldwide) Tel. 02 039 5704
For Medical and Travel Assistance
A: Travelers must purchase insurance at least 2 hours before departure from Thailand and the insurance cover will continue until 2 hours after returning to Thailand or at the insurance policy expiry date whichever comes first. However, the Insured cannot purchase insurance after departing Thailand and the Insured’s trip must begin from Thailand and end in Thailand only.
A: Such cover is provided by the insurance policy with period of insurance of over 12 months only under which the Insured shall be covered for medical expense for accident and sickness not exceeding 200,000 baht for medical treatment within 90 days from the date of return to Thailand for home visit.
A: The Insured can notify the Company to request extension of insurance period for one more year subject to such notification is made and the Company agrees to the extension before the policy expiry date. However, the Company reserves the right to adjust premium or adjust terms and conditions of the insurance based on the claim history of the Insured.
A: Yes, as additional benefits. “Overseas Student” Insurance Plan provides cover not only for medical expense but also provides other benefits such as loss of tuition fee, travelling (including flight and accommodation) for parents to visit student if hospitalized overseas, loss or damage to baggage and/or personal effects while travelling on public transportation, flight delay and 24/7 emergency assistance service worldwide.
A: The Insured can contact MSIG ASSIST (24 hours) via free wi-fi calling in MSIG SpeeDi application or tel no. +66 2039 5704 for emergency assistance. Services provided by MSIG ASSIST include the following:
- Assistance Service for Travel Information
- Assistance Service for Visa information and vaccination required
- Assistance Service in case of loss of travel documents
- Assistance Service for information on embassies overseas
- Assistance Service for information on weather forecast and currency exchange rate
- Assistance Service for notifying family members in case of emergency o Assistance Service for medical Information
- Assistance Service for medical expense guarantee in case of hospitalization
- Assistance Service for hospital information worldwide
- Emergency Assistance Service for medical evacuation due to medical necessity
- Emergency Assistance Service for medical repatriation back to Thailand
- Assistance Service for repatriation of mortal remains back to Thailand
A: The normal time period for considering claims when MSIG receives all the necessary complete documents is usually within 15 days. Claim payments will usually be made within 15 days from the date the claimant has agreed to the amount of compensation. the insured can track the claim status directly via MSIG Claim Tracking 24/7.
