Health Insurance Plan
Student Health Plan
Fee protection, medical cover, and EdTech — in one plan, Class 1 to 12
Key features
Fee protection cover
Up to ₹10-30 lakh paid toward the child's school fees if a parent passes away
Medical cover
₹3-5 lakh for hospitalisation and treatment costs, depending on plan
24/7 doctor tele-assistance
Talk to a verified doctor any time, no appointment needed
Yearly full body check-up
Once a year with the health services module — does not include dental or eye tests
Learning games + AI tutor
Every CBSE/ICSE syllabus game and the Ask Kavach AI tutor, included in every package
Monthly olympiad
A new syllabus-based olympiad every month, with scholarship-credit prizes
What's covered
- School fees funded into the child's account if a parent passes away (up to the plan's fee-protection amount)
- In-patient hospitalisation and treatment costs (up to the plan's medical cover amount)
- 24/7 doctor tele-assistance for anything that doesn't need a hospital visit
- One full body checkup per year
What's not covered
- Dental and eye screening — not included in the annual checkup on any plan
- Pre-existing conditions declared at enrolment (12-month waiting period)
- Cosmetic or elective procedures not medically necessary
What is school fee protection insurance?
School fee protection insurance answers one specific question every parent has asked themselves: if something happens to me, who pays for my child's education? With this cover, the answer is written into a policy — if a parent passes away, the child's remaining school fees are funded into the child's own account, up to ₹10 lakh, ₹20 lakh or ₹30 lakh depending on the plan. The child stays in the same school, with the same friends and teachers, and the family never has to choose between grief and a fee deadline.
This is different from the child education plans sold by life insurers, which are long-term savings products that mature in 10-15 years. Fee protection is pure insurance: a small yearly premium, cover that begins immediately, and a payout that settles into the child's own account, earmarked for fees, rather than into a distant maturity fund. There is no investment component to underperform and no lock-in to break.
Health insurance for school students, built for school life
Alongside fee protection, every plan carries ₹3-5 lakh of medical cover for hospitalisation and treatment — sized for the real risks of school-age children rather than adult illness profiles. A fracture on the sports field, a dengue admission, an appendix operation: these are the claims school families actually make, and the cover is priced accordingly at a fraction of what an adult-focused family floater costs.
Between hospital visits, 24/7 doctor tele-assistance means a verified doctor is one tap away at 2 a.m. when a fever spikes — no appointment, no clinic queue. And a full body check-up every year catches what a busy term would otherwise hide. (The checkup does not include dental or eye screening on any plan — we say that plainly rather than in fine print.)
Protection and learning, together
Every package pairs the medical cover with the VidyaKavach learning platform: syllabus-accurate games for CBSE and ICSE covering Classes 1 to 12 and the Ask Kavach AI tutor that answers only from your child's own board and class syllabus. Schools can add syllabus videos and a monthly online olympiad at no extra cost.
Frequently asked
What is school fee protection insurance?
It is a cover that funds your child's remaining school fees — up to ₹10, ₹20 or ₹30 lakh depending on your plan — if a parent passes away. The amount settles into the child's own account, so the education continues without interruption and the school has no insurance paperwork of any kind.
What happens to school fees if a parent dies without this cover?
The family bears them, at the worst possible time. Fee affordability is one of the largest causes of school dropout in India — this cover exists specifically so that a family tragedy does not also end a child's education.
How is this different from a child education plan from a life insurer?
Traditional child plans are savings-plus-insurance products: you invest for years and the payout comes at maturity. Fee protection is pure protection — a small yearly premium, an immediate cover, and the payout settles into the child's own account, earmarked for fees — not into a distant maturity fund.
What is the difference between fee protection and medical cover?
Fee protection funds the child's school fees — settled into the child's own account — if a parent passes away. Medical cover pays for hospitalisation and treatment. They are two separate covers, and both are in every package.
How much cover can my child have, and what does it cost?
Fee protection from ₹10 lakh to ₹30 lakh and medical cover from ₹3 lakh to ₹5 lakh, depending on the cover chosen. The price depends on the cover level and the number of students — ask for pricing, call +91-7979030298 or email info@vidyakavach.com.
Is this only for CBSE schools, or ICSE and State Board too?
Any recognised school — CBSE, ICSE or State Board, Class 1 to 12. The learning games and AI tutor included with the plan cover both CBSE and ICSE syllabi in full.