TATA AIG Overseas Student Medical Insurance

TATA AIG Student Guard Benefits Details

Benefit Details (Sum Insured in US$)
Medical Insurance	Plan A	Plan B	Ultimate
Accident & Sickness Medical Expenses Reimbursement	$50,000	$100,000	$250,000
Deductible	$100	$100	$100
Emergency Evacuation*	Included	Included	Included
Repatriation of Remains*	Included	Included	Included
AD & D 24 Hrs	$10,000	$25,000	$25,000
Felonious Assault (AD&D)	$5,000	$5,000	$25,000
Travel Inconvenience
Baggage Loss (CHECKED)	$500	$1,000	$2,000
Deductible	10% / 50%	10% / 50%	10% / 50%
Baggage Delay (After 12 hours only)#	$0	$50	$150
Loss of Passport	$250	$250	$250
Deductible	$30	$30	$30
Personal Liability	$100,000	$100,000	$500,000
Deductible	$200	$200	$200
Study Interruption	$7,500	$7,500	$15,000
Sponsor Protection	$10,000	$10,000	$20,000
Campassionate Visit (2-Way)	$1,500	$5,000	$7,500
Bail Bond	$500	$1,000	$5,000
Maternity Benefit for termination of Pregnancy only	$0	$500	$1,000
Treatment for Mental and Nervous Disorders : Including Alcholism and Drug Dependency	$0	$500	$1,000
Cancer Screening and Mammography Examinations	$250	$500	$1,500
Red 24 Services	Included	Included	Included
Assistance Services	Included	Included	Included
Relocation Services (Applicable only for Students covered on 365 days Including Americas Plan)

* - Included under the overall limit of Accident & Services Medical Expenses Reinbursement.
# - Reinbursement of purchase of necessary personal effect, due to baggage delay overseas.

TATA AIG Student Medical Insurance - Policy Coverage

Study Interruption

We'll reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.

Sponsor Protection

In the event of accidental death or permanent disablement of your sponsor, we'll reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.

Accident and Sickness Medical Expenses

We will pay you Covered Medical Expenses incurred overseas by you, which are not due to a pre-existing condition up to the maximum stated in the Policy Schedule or the Schedule of Benefits.

Compassionate Visit(2-way)*

Visit by Family Member: - If you are hospitalized for more than seven(7) consecutive days, we will cover the cost of round-trip economy class air ticket and accommodation expenses for an immediate family member to be with you.

Visit by Student: In the event of death or hospitalisation of parent(s)/spouse/child(ren) for more than seven(7) consecutive days, we will cover the cost of a round trip economy class air ticket.

(* - Subject to maximum coverage as provided in the Schedule of Benefits.)

Personal Accident

Student Guard Plus provides worldwide coverage against Accidental death and permanent Disablement whilst you are abroad, upto maximum limit shown in the Schedule of Benefits.

Assistance Services

Our assistance team will be available around the clock for any assistance or referral services.

Maternity Benefits

Medical expenses related to termination of pregnancy are covered subject to maximum amount as provided in the Schedule of Benefits subject to a waiting period of 10 months from the effective date of policy.

Mental and Nervous Disorders

Medical expenses related to treatment for mental and nervous disorders on recommendation of a physician, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of benefits.

Cancer Screening and mammography

Medical expenses related to Cancer Screening and mammography examination on recommendation from a physician are covered subject to maximum amount as provided in the schedule of benefits.

Red 24 Services ( http://srvb.red24.info )

Red 24 is a unique global security services providing advice to help individuals avoid and manage personal risks for themselves and their families.

Relocation Services

The AIG International Services Student Support Membership provides solutions to the problems students face in the United States. Through our 24-hour multilingual services center, we offer access to a board range of benefits that are designed to make the transition easy and hassle free. In case you are opting for 1 year policy this program is already included in the plan.

TATA AIG Student Insurance - Additional Features

• 24 Hrs. Worldwide Emergency Assistance Service
• Emergency Medical Evacuation
• Repatriation of Remains
• Felonious Assault
• Personal Liability Abroad
• Accident and Sickness Medical Reimbursement
• US Drivers License & Social Security Application Information
• 24-Hrs Emergency Translation Services
• Personal security services from red24
• Worldwide Assistance Services

Other benefits include: 24 hrs Wolrdwide Emergency Assistance Services, Emergency Medical Evacuation, Repatriation of Remains, Felonious Assault, Lost Luggage, Personal Liability Aboard, Accident and sickness Medical Coverage

All Rates, Tax Amounts & Total Gross Figs. Have been rounded to the Nearest Rs. Value.

TATA AIG Overseas Student Insurance - Eligibility

1. Any indinvidual, between sixteen (16) and thirty-five (35) years of age, enroll and attending a full-time registered educational institution of higher learning, outside Republic of India.
2. The insured person can only be covered under one such policy for the period.

TATA AIG Student Guard Insurance - Key Exclusions

1. Acts of war, terrorism, Participation in illegal acts, professional and/or competitive sports, pregnancy or childbirth except for termination of pregnancy, suicide or self inflicted injury, AIDS.
2. Any Pre-existing conditions or complications arising there from.
3. Any loss due to your engagement in any branch of armed forces or operating; acting as a crew member or an operator of any carrier; testing of any kind of conveyance; engagement in any kind of labor work; engagement in offshore or mining or aerial photography; handling explosives.

Also you are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc

For other exclusions please refer to the policy wordings.

TATA AIG Student Medical Insurance - Claims

AIG IS (AIG International Services Inc.) - Assistance company in Americas (USA, Canada ...)
ISOS (International SOS) - Assistance company outside Americas (Europe, Asia, Australia ...)

24 hour assistance contact:

1. For the Americas Policies Direct Dial : 713-260-5519 Toll Free : 1-866-866-2619 Fax : 713-953-7506 E-mail : tata.aig@aig.com	Address for submission of documents: Claims Department, Tata AIG General Insurance Company Limited. Ahura Centre,4th Floor, 82, Mahakali Caves Road, Andheri (East), Mumbai, India - 400093.
2. For rest of the world policies excluding the Americas: Phone: 0091-11–4189 8860 Fax: 011–4189 8801 E-mail : delhi.tata-aig@internationalsos.com

Our Service Center is equipped to provide you with the necessary guidance in your situation, and will direct you on claims procedure.

Note: Failure to call this number in respect of Medical Accident & Sickness Claims (Travel) shall invalidate your claim, if any. In case of OPD treatment (where hospitalization is not required), please collect all bills and receipts and file for reimbursement with Tata AIG, Claims Department, at the address mentioned above.

This is a General checklist of documents, please check for availability of coverage under the policy.

Use following link for more details about TATA AIG general claims procedure.