According to the provisions of paragraph 10, chapter 11 of the Guidelines for Foreign Exchange Transactions2018, Vol1 and subsequent related circulars, ADs can effect remittance on account of academic fees including boarding and lodging, health insurance, incidental expenses, etc. In light of this, the instant circular seeks to facilitate health insurance for students having no coverage or limited coverage by allowing ADs to remit medical expenses to concerned students requiring emergency treatment based on the estimates of medical professionals from the country where students reside (provided they are supported by a certificate). The facilities shall be applicable till June 30, 2020.