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Buy TATA AIG student travel insurance online

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Tata AIG Travel Insurance

Tata AIG student insurance - Key features

Covers sickness and accident medical expenses in overseas up to policy maximum
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 TATA AIG Student Travel Guard insurance in Indian Rupees and get coverage in US Dollars
Also includes coverage for Study Interruption, Sponsor Protection, Compassionate Visit
Available for 1 year and can be renewed up to 2 years

TATA AIG travel insurance renewal while outside India

Indian students who want to extend or renew click hear and fill the form TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.

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

Advantages Of TATA AIG international student insurance

These are unique advantages of TATA AIG student travel insurance which is not available by international university insurance options:

Study Interruption

TATA AIG student insurance reimburses the semester fee if the student is not able to complete the studies due to a medical emergency.

Sponsor Protection

If the sponsor of the students education is fatally injured or left permanently disabled, the TATA AIG student insurance will help cover the tuition fees for the remainder of the course.

Pay for the insurance in Indian Rupees to get coverage In US Dollars

When you buy the TATA AIG student travel insurance, your pay in Indian Rupees, but are covered in US Dollars. This makes the TATA AIG student medical insurance very affordable when compared to international student insurance options.

Advantages of TATA AIG student insurance compared to University insurance plans

  • The TATA AIG student medical insurance are designed uniquely for Indian students studying outside India
  • Indian student insurance plans are charged in Indian Rupees with coverage in US Dollars and are much cheaper (usually 20% to 25% of University plans)
  • TATA AIG student health insurance provides coverage throughout the country and are not limited to the college campus
  • TATA AIG student travel insurance also cover travel related expenses and health expenses far from University campus.
  • TATA AIG student insurance also includes personal liability, sponsor protection, study interruption, baggage loss, trip delay, compassionate visit, repatriation of remains coverage.

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.

What makes it special?

  • Full Refund: The full insurance premium will be refunded if your university rejects TATA AIG Student Guard 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 TATA AIG Student Guard overseas health insurance plan 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.
  • Student Guard TATA AIG 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.

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.

TATA AIG student travel insurance - FAQ's

Which is the best travel insurance for students?

The Tata AIG student travel insurance is very popular among Indian students going overseas. Tata AIG’s student guard overseas health insurance plans are popular given the they are priced in Indian Rupees buy provide medical coverage in US Dollars and are hence only 20 to 25% the cost on University plans.

The TATA AIG student insurance provide travel insurance coverage for the travel from India and back to India, unlike the University insurance which is limited to coverage in the University itself. The University insurance is also limited for any travel far away from the campus.

That depends on the country of travel and the University rules. Most US Universities insist on student travel insurance and this is true for most European countries as well. Irrespective of whether it is mandatory, given the cost of an international university education, and the cost of travel, the cost of Indian student travel insurance is very small and is invaluable given the value it provides while traveling and studying in a foreign university. Indian students going overseas can buy Tata AIG student travel insurance online.

Tata AIG student travel insurance plans is a student travel insurance plan which offers health insurance cover for students studying abroad as well as insures the travel from India to the University as well as back to India. Tata AIG student travel insurance India offers health insurance cover for Indian students studying abroad in US Dollars, while the cost of the student insurance is priced in Indian Rupees.

Tata AIG student travel insurance plans are designed keeping in mind overseas university requirements for Indian students. Benefits covered in Tata AIG student health insurance plan are

  • Cashless hospitalization medical expenses for sickness and accidents up to $500,000
  • Covers covid-19 as any medical expenses up to policy maximum
  • Covers the doctor visits due to illness
  • Covers emergency medical evacuation, repatriation of remains.
  • Covers other benefits like dental care, pre-existing conditions cover, maternity benefit and more

The free-look period is a 15-day buffer period during which students can review the policy documents and choose to cancel the policy without having to pay a cancellation fee. This is very useful if one is not sure of the University will accept the student insurance.

Yes, there is an age limit to be eligible to buy the TATA AIG student travel insurance. The student must be between the ages of 16 and 35 to satisfy eligibility.

Yes, If the student requires a dental surgery to treat acute pain from a natural tooth, the student medical insurance will help take care of the cost.

No, the TATA AIG student travel insurance will not cover any costs associated with treatment of a pre-existing ailment unless it is a life-threatening situation.

In circumstances where the student is hospitalised for over a month or cannot continue education due to a covered illness or injury, the student travel insurance will reimburse the student for any tuition fees that are already paid to the educational institution.

Student travel insurance is strongly recommended even if the students is traveling to a country where student travel insurance is not mandatory. Given the benefits of having student travel insurance, it is strongly advised to buy TATA AIG student insurance.

International students are not required to produce proof of student insurance for their F1 visa and there is no US government insurance requirements for studying in the US. However, very often US universities insist of student insurance requirements. It is however strongly advised to buy TATA AIG student insurance given the benefits of good student travel insurance.

Even if not mandated by any authorities, good medical travel insurance plan can protect the student while outside India. Student medical insurance takes care of hospital related costs, medicine expenses and costs related to an emergency surgery

In the U.S., access to low-cost or public health care is very limited, and international students typically are not eligible for most programs. Experts say students should contact universities about their specific policies, which can vary widely.

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Customer Testimonials

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Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".