TATA AIG Student Insurance
Unique features
- Full refund of premium if your university rejects this policy
- If required we facilitate signing and completion of University’s insurance waiver form
- Pay for Student Guard insurance in Indian Rupees and get coverage in US Dollars
- TATA AIG Student Guard Plus is cheaper than some of the other international student insurance plans
- Also includes coverage for Study Interruption, Sponsor Protection, Compassionate Visit
TATA AIG student travel medical insurance India - Useful links
How to buy online?
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
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Student Outside India
Student medical insurance for Indian students already outside India.
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Brochure
Download TATA AIG student travel medical insurnance brochure.
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Insurance Claims
In case of Claim or reimbursement of treatment expenses, notify TATA AIG travel insurance.
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Insurance FAQ
Get all the answers to the most frequently asked questions (FAQs) regarding student travel medical insurance offered by TATA AIG.
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Online Renewal
Students can renew their existing policy online before the exipry date at any time.
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Student Universities
List of some of the Universities whose students have purchased TATA AIG student insurance in the past.
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Insurance Forum
Useful discussions and forum entries for best international TATA AIG student insurance.
Know moreOverseas Student Insurance offered by Tata AIG
Studying outside India is an incredible opportunity. Popular destinations among Indians students are USA, UK, Australia, Singapore, Germany or elsewhere. To study in the college of your choice and to explore new places, new cultures is like a dream come true. However please be aware that this opportunity comes with unexpected risks like sudden sickness, injuries due to accident or loss of sponsorship while abroad. Tata AIG's Student travel insurance plan popularly known as Student Guard Plus is designed for Indian students studying overseas. This international student medical insurance provides health insurance coverage as well as additional coverage for study interruption, sponsor protection, compassionate two way travel. These additional benefits are not available in typical international student health insurance plans.Who is Eligible for TATA AIG’s Student Guard Insurance?
- Indian students between 16 to 35 years, enrolled and attending college as a full time student outside India are eligible.
- Student must be an Indian passport holder or could have a PIO/OCI card
- Student must be physically located in India at the time of purchase of the policy
Please read through TATA AIG student insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. You can also complete an online TATA AIG Travelguard proposal form. You can renew/extend the plan using TATA AIG student insurance extension on expiry. You can also get the complete quotes using the TATA AIG Student premium chart.
What makes it special?
- Full Refund: The full insurance premium will be refunded if your university rejects TATA AIG student insurance.
- Waiver Form: We will help you in completing the University insurance waiver form if required.
- We help students already outside India buy student insurance by getting special approval from the underwriters.
- Students can buy student travel health insurance online anytime, anywhere
- The TATA AIG Student Guard proposal form can be filled and the policy can be bought online easily.
- We help students buy TATA AIG student guard by getting approval if they currently have a different policy.
- The policy includes Accident & Sickness Reimbursement and Personal Accident cover.
- Study interruption, sponsor protection, compassionate travel benefits for students
- It is the best student travel insurance as you pay in Indian rupees and receive coverage in US Dollars.
- Benefits
- Student Plans
- Policy Coverage
- Features
- Exclusion
| Coverage in USD | Plan A | Plan B | Ultimate | Ultimate Plus | Supreme |
 Accident & Sickness Medical Expenses Reimbursement |
$50,000 (100) | $100,000 (100) | $250,000 (100) | $500,000 (100) | $500,000 (100) |
 Emergency Evacuation* |
$5,000 | $10,000 | $15,000 | $25,000 | $25,000 |
 Continuing Treatment (following Medical Repatriation to your Country of Origin)## |
NA | NA | NA | NA | $20,000 |
| Repatriation of Remains |
$2,500 | $5,000 | $7,500 | $10,000 | $10,000 |
| Coverage for Pre existing Conditions under A&S** |
$500 | $1,000 | $2,500 | $5,000 | $5,000 |
 AD & D 24 Hrs |
$10,000 | $25,000 | $25,000 | $30,000 | $50,000 |
 Felonious Assault (AD&D) |
$5,000 | $5,000 | $25,000 | $25,000 | $25,000 |
 Baggage Loss (CHECKED) |
$500 (10% or 50%) | $1,000 (10% or 50%) | $2,000 (10% or 50%) | $2,500 (10% or 50%) | $2,500 (10% or 50%) |
 Baggage Delay (After 12 hours only)# |
$0 | $50 | $150 | $250 | $250 |
 Loss of Passport |
$250 (30) | $250 (30) | $250 (30)> | $250 (30) | $250 (30) |
 Personal Liability |
$100,000 (200) | $100,000 (200) | $500,000 (200) | $500,000 (200) | $500,000 (200) |
 Study Interruption |
$7,500 | $7,500 | $15,000 | $25,000 | $25,000 |
 Sponsor Protection |
$10,000 | $10,000 | $20,000 | $25,000 | $25,000 |
 Compassionate Visit (2-Way) |
$1,500 | $5,000 | $7,500 | $10,000 | $10,500 |
 Bail Bond |
$500 | $1,000 | $5,000 | $5,000 | $5,000 |
 Maternity Benefit(Only Inpatient Treatment incl 1 month post Natal Cover) - Waiting Period - 10 Months |
$500 | $1,000 | $2,000 | $2,500 | $3,000 |
 Treatment for Mental and Nervous Disorders: Including Alcoholism and Drug Dependency |
$0 | $500 | $1,000 | $2,000 | $2,500 |
 Cancer Screening and Mammography Examinations |
$250 | $500 | $1,500 | $2,500 | $3,000 |
 Red 24 Services |
Included | Included | Included | Included | Included |
 Assistance Services |
Included | Included | Included | Included | Included |
- * Included under Accident & Sickness Medical Expenses
- ** Pre-existing condition is covered only in case of life threatening unforeseen emergency.
- # Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured
- ## coverage is applicable within 60 days from the date of your return to your country of Origin.
We offer Indian travel insurance for students studying in abroad. Following are the student plans of TATA AIG:
TATA AIG Student Guard Plan A
Maximum Coverage: $50,000
TATA AIG Student Guard Plan B
Maximum Coverage: $100,000
TATA AIG Student Guard Ultimate
Maximum Coverage: $250,000
TATA AIG Student Guard Ultimate Plus
Maximum Coverage: $500,000
TATA AIG Student Guard Supreme
Maximum Coverage: $500,000
TATA AIG Student Guard Plan A
Maximum Coverage: $50,000
TATA AIG Student Guard Plan B
Maximum Coverage: $100,000
TATA AIG Student Guard Ultimate
Maximum Coverage: $250,000
TATA AIG Student Guard Ultimate Plus
Maximum Coverage: $500,000
TATA AIG Student Guard Supreme
Maximum Coverage: $500,000
- Study Interruption
- TATA AIG General insurance will reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.
- TATA AIG General insurance will 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, TATA AIG will reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.
- In the event of accidental death or permanent disablement of your sponsor, TATA AIG will reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.
- Accident and Sickness Medical Expenses
- TATA AIG StudentGuard 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.
- TATA AIG StudentGuard 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, TATA AIG 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 hospitalization 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.
- 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.
- 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.
- 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 disorder
- 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.
- 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.
- 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 ( https://www.red24.com/ )
- Red 24 is a unique global security services providing advice to help individuals avoid and manage personal risks for themselves and their families.
- 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. If you choose a One year policy this is already included in the student insurance plan.
- 24 Hours 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-Hours Emergency Translation Services.
- Personal security services from red24.
- Worldwide Assistance Services.
Eligibility for Indian overseas student health insurance
- Any individual, between sixteen (16) and thirty-five (35) years of age, enrolled in a registered educational institution of higher learning, outside Republic of India.
- The insured person can only be covered under one such policy for the period.
- 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.
- Any Pre-existing conditions or complications arising there from.
- 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.
