TATA AIG Student Insurance for Edith Cowan University, - Australia

What are the coverage options for Indian international students under TATA AIG?

• What are the policy benefits of TATA Student Guard insurance?

  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

• What are the coverage benefits of TATA Student Guard insurance?

  • 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.

• What are the list of TATA Student Guard 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.

• What are the 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.