Vidyarthi Mediclaim Policy for Students is the insurer's purpose-built student insurance — a single policy combining hospitalisation cover for the student (Section I), personal accident cover for one parent/legal guardian at 2x the student's sum insured (Section II), and personal accident cover for the student themselves (Section III). Designed so that if an accident affects the family's earning parent, the policy helps ensure the child's education continues uninterrupted.
the insurer Health· Vidyarthi Mediclaim Policy for Students· (the insurer Prospectus Sourced)· &
"VIDYARTHI - Mediclaim for Students is a unique policy designed to provide Health and Personal accident cover to the students. It also provides for continuation of insured students' education in case of death or permanent total disablement of the guardian due to accident." — (the insurer prospectus content sourced). This is the only product in the insurer's health portfolio that bundles health insurance, dual personal accident cover, and an explicit education-continuation purpose into a single student-focused policy.
Unlike the insurer's individual or family floater products, eligibility is tied to active enrolment in a registered Indian educational institution — this is a purpose-built student product, not a general health policy adapted for young people.
Student-SpecificThe defining feature: if the insured student's parent/guardian dies or suffers permanent total disablement in an accident, the policy's Section II payout is structured to help ensure the family can continue funding the student's education.
Unique to This ProductBoth the parent/guardian AND the student themselves get personal accident cover under the same policy (Sections II and III) — a single premium covering three distinct risks across two family members.
3 Covers, 1 PolicyStudents can be enrolled without undergoing a medical check-up first — removing a common friction point for first-time buyers, especially relevant for younger children.
Hassle-Free EnrolmentRobotic surgery, oral chemotherapy, immunotherapy, and 9 more advanced treatments are confirmed as standard coverage — meaningful given some basic student/youth policies in the market exclude modern treatment categories entirely.
Standard Inclusion"A cumulative bonus of 5% will be granted to the policyholder for every claim-free year up to a maximum of 50%." Ten claim-free years builds toward the maximum bonus.
5%/Year, Max 50%from& (the insurer Prospectus)
A single Vidyarthi Mediclaim policy is structured into three distinct sections, each covering a different risk for a different family member, all under one premium and one policy document.
Covers the insured student's own hospitalisation expenses
Covers one parent/legal guardian's accidental death or disability
Covers the student's own accidental death or disability
This three-section design recognises that a student's wellbeing is tied to their family's financial stability. Section I protects against the cost of the student's own illness or injury-driven hospitalisation. Section III protects the student against accidental death/disability directly. But Section II — protecting the parent/guardian — is what makes this policy distinct from a typical child health plan: if an accident removes or disables the family's earning parent, the 2x payout under Section II is designed to cushion exactly the kind of financial shock that could otherwise force a student to discontinue their education.
from (the insurer Prospectus) &
| Criterion | VMPS Terms |
|---|---|
| Minimum entry age | 3 years |
| Maximum entry age | 25 years |
| Who is covered | The student + one parent/legal guardian (for Section II personal accident cover) |
| Qualification | Student of any registered Indian educational institution affiliated to AICTE, State Board, University, Council, or any other Government Statutory Authority |
| Coverage type | Individual basis |
| Renewability | Lifetime |
| Pre-policy medical check-up | Not required |
| Policy tenure | 1 year |
| Network hospitals | 6,000+ across India |
Section I — from (the insurer Prospectus) &
"Room Rent/ICU charges, Medical practitioners, surgeon, anesthetists, consultants, specialists fees and other charges as per limits mentioned in the policy." — (the insurer sourced), subject to applicable sub-limits.
Sub-Limits Apply"12 Modern treatments like Robotic surgery, oral chemotherapies, immunotherapies and etc., are now covered in the policy." — (the insurer sourced), subject to sub-limit.
Inclusion"Treatment for morbid obesity are now covered after specified waiting periods." — (the insurer sourced).
After Waiting Period"Correction of eyesight, i.e., refractive errors above -7.5 D are now covered after specified waiting periods." — (the insurer sourced).
>-7.5 D, After Wait"Treatment related to participation as a non-professional in hazardous or adventure sports subject [to] sublimit." — (the insurer sourced) — relevant for students participating in college sports or adventure activities.
Sub-Limit Applies"Mental illness, HIV/AIDS, Genetic disorders are [covered]." — (the insurer sourced), also independently confirmed by 's inclusions list ("Treatment of HIV/AIDS,Treatment of Mental Illness").
InclusionPre-hospitalisation and post-hospitalisation expenses are confirmed inclusions per 's published inclusions list, consistent with the insurer's standard health policy structure.
Inclusion"Tax Rebate under Section 80D of Income Tax Act 1961 for premium paid." — (the insurer sourced).
80D Eligible"Yes. The National Vidyarthi Mediclaim policy for students comes with sub-limits on room rent, modern treatments, hazardous or adventure sports cover and transportation cost of the insured's dead body." Exact sub-limit percentages aren't independently published — confirm with Probitas at 022 4302 0000 for the precise figures at your chosen sum insured tier.
Sections II & III — from& (the insurer Prospectus)
Covers accidental death or permanent total disablement of the insured student's parent/legal guardian, at a sum insured equal to 2x the Section I health cover amount — directly supporting the policy's education-continuation purpose.
2x Section I SICovers the insured student's own accidental death or disability, with a fixed sum insured of ₹50,000 — independent of which Section I health SI tier is chosen.
₹50,000 Fixed"Transportation cost under Section II & III for insured's dead body (death due to accident only) to the place of residence subject to a maximum of 2% of the Capital Sum Insured or ₹1,000/- (one thousand) whichever is lower." — (the insurer sourced), also corroborated by.
2% SI or ₹1,000, Lowerfrom &
"A cumulative bonus of 5% will be granted to the policyholder for every claim-free year up to a maximum of 50%. It can either be used to avail a discount on the renewal premium or to increase the sum insured amount without hiking the premium."independently confirms the accumulation cap: "a cumulative bonus of 5% for every year a claim is not made, for up to a maximum accumulation of 10 claim free years of insurance."
| Claim-Free Years | Cumulative Bonus |
|---|---|
| 1 year | 5% |
| 2 years | 10% |
| 4 years | 20% |
| 6 years | 30% |
| 8 years | 40% |
| 10 years (maximum) | 50% |
The accumulated cumulative bonus can be applied in either of two ways at the policyholder's choice: as a discount on the renewal premium, or to increase the sum insured amount without a corresponding increase in premium. Over a student's many years in education (especially from age 3 through college), consistently claim-free years can meaningfully grow effective coverage or reduce renewal costs — an incentive worth factoring into long-term planning when choosing this policy for a young child.
from (the insurer Prospectus) &
| Category | Waiting Period |
|---|---|
| Initial waiting period | 30 days |
| Pre-existing diseases | 36 months / 3 years (confirmed independently by both: "thirty six (36) months" and: "3 years") |
| Specific diseases | 2 years / 4 years (refer prospectus for the specific disease list) |
| Hypertension / Diabetes / Cardiac conditions | 90 days |
| Morbid obesity treatment | 4 years |
| Correction of refractive error | 2 years |
"Only accidental claims payable for first 30 days of Inception of the Policy. All pre-existing diseases excluded for first thirty six (36) months of Policy. Two Years waiting period for specific diseases." — (the insurer sourced). The waiting periods listed above are for Section I (student health cover) specifically — Section II and III (personal accident) follow a different exclusion logic, covered below.
from (the insurer Prospectus) & — Split by Section
Because Section I is health/indemnity cover and Sections II/III are personal accident cover, the insurer's own prospectus wording splits the exclusions by section — below.
"Change-of-Gender Treatments, Cosmetic or Plastic Surgery, Excluded Providers." — (the insurer sourced).
"Vitamins, Tonics Drug/alcohol abuse, Self-Inflicted Injury, Non Prescription Drug, Home visit charges." — (the insurer sourced).
"Dental treatment and Out Patient Department treatment (OPD treatment)." — (the insurer sourced), also independently confirmed by.
Maternity expenses are excluded — confirmed independently by 's exclusions list.
"Birth control, sterility and infertility" excluded — confirmed by.
Naturopathy treatment and treatment taken outside India are excluded — both confirmed independently by 's exclusions list.
Congenital external anomaly is excluded — confirmed by 's exclusions list.
"Any claim arising out of pre-existing disability." — (the insurer sourced).
"Any payment in respect of death of the insured from intentional self-injury, suicide or attempted suicide." — (the insurer sourced).
"Insured under influence of intoxicating liquor or drugs." — (the insurer sourced).
"Insured engaging in dangerous occupation or activities." — (the insurer sourced).
"Venereal disease or insanity." — (the insurer sourced).
"Arising out of any breach of the law. Claim arising out of war, nuclear risks etc." — (the insurer sourced).
from&
"Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission."
"Submit claim form with original documents such as doctor's reports, hospital bills, diagnostic tests, etc." For Section I health claims, separately lists: the insurer claim form, first consultation papers, copy of doctor's prescription advising hospital admission, test reports, hospital discharge summary, doctor's prescriptions, and hospital bills.
confirms additional documents required specifically for accident claims under Sections II and III: FIR (First Information Report), death certificate, and post-mortem certificate where applicable.
"The the insurer Limited will either accept or reject your claim within 30 days of receiving all the documents under the Vidyarthi Mediclaim policy for students."
"Once your request for reimbursement of expenses is approved, the claim will be settled."
Vidyarthi Mediclaim Policy for Students — Frequently Asked Questions
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By submitting you agree to our Privacy Policy and Terms & Conditions. Vidyarthi Mediclaim Policy for Students· the insurer· IRDAI For students aged 3–25 years enrolled in a registered Indian educational institution. Three-section structure: Section I (student hospitalisation, SI ₹50,000–2 lakh), Section II (parent/guardian personal accident, 2x Section I SI), Section III (student personal accident, fixed ₹50,000). No pre-policy medical check-up required. Cumulative bonus 5%/claim-free year up to max 50% (10 years). Covers 12 modern treatments, HIV/AIDS, mental illness, morbid obesity (after waiting period), refractive error correction >-7.5D (after waiting period). Initial waiting period 30 days; PED 36 months/3 years; specific diseases 2/4 years; hypertension/diabetes/cardiac 90 days. Transportation of dead body (Sections II/III): 2% of SI or ₹1,000, whichever lower. Section 80D tax benefit available. Sub-limits apply on room rent, modern treatments, hazardous sports cover. All terms per the insurer policy document/prospectus. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.