TATA AIG international student health insurance

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 TATA AIG overseas student insurance policy.
• Only one policy must be bought for a particular period of time.

Steps to buy TATA AIG international student insurance

1. Find out from your University if they offer an University health insurance policy for international students.
2. If they offer a plan, is it mandatory to buy that University plan, or do they allow other student insurance plans.
3. If your university allowed to buy other student insurance, then you can compare student insurance plans offered by TATA
4. Compare the TATA AIG student medical insurance plans with the University plan based on price as well as coverage benefits.
5. Select the student health insurance plan that best fits your budget and needs.
6. If you buy the TATA AIG international student insurance online, you will receive the policy documents by email.
7. If applicable, we can complete the University insurance waiver form.

Indian international student insurance by TATA AIG

• Coverage in USD	Plan A	Plan B	Ultimate	Ultimate Plus	Supreme
  Accident & Sickness Medical Expenses Reimbursement Deductible: 100	$50,000	$1,00,000	$2,50,000	$5,00,000	$5,00,000
  Emergency Evacuation	$5,000	10,000	$15,000	$25,000	$25,000
  Repatriation of Remains	$2,500	$5,000	$7,500	$10,000	$10,000
  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)Deductible: 10% or 50%	$500	$1,000	$2,000	$2,500	$2,500
  Baggage Delay (After 12 hours only)	N/A	$50	$150	$250	$250
  Loss of Passport Deductible: 30	$250	$250	$250	$250	$250
  Personal Liability Deductible: 200	$,100,000	$1,00,000	$5,00,000	$5,00,000	$5,00,000
  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	$10,000
  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	N/A	$500	$1,000	$2,000	$2,500
  Cancer Screening and Mammography Examinations	$250	$500	$1,500	$2,500	$3,000
  Assistance Services	Included	Included	Included	Included	Included

• TATA Student Guard insurance policy coverage, TATA student insurance coverage 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.
      
      
  • Repatriation of remains
    • TATA AIG StudentGuard included under Accident & Sickness Medical Expenses
      
      
  • 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.
      
      
  • 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.
      
      
  • 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.
      
      
  • 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.
      
      
  • Assistance Services
    • Our assistance team will be available around the clock for any assistance or referral services.
      
      
      
  • 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.
      
      
  • 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 ( 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.
      
      
  • 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.

• TATA AIG student tarvel medical insurance features

  • 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

  1. 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.
  2. The insured person can only be covered under one such policy for the period.

• Exclusions under TATA AIG international student health insurance

  • 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.

  For other exclusions please refer to the Tata AIG Student Guard brochure.