Type's of Travel Insurance
1- Single Trip Travel Insurance
2- Multiple Trip Travel Insurance
3- Business Trip Travel Insurance
4- Student Travel Insurance

Each insurance product is designed to cater or cover a segment (target audience). So always go for that specific product, which will give you the maximum coverage and low premium then the other products.

Some of my observations -
1- Normal Travel Insurance Plan is available for maximum coverage period = 180 Days
Student Travel Insurance Plan is available for = 1 Year or 365 Days,

2- Normal Travel Insurance Plan - Need to come back to India for renewal
Student Travel insurance Plan - You can renew from overseas