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TATA AIG student travel insurance

TATA AIG student travel insurance for Europe

Buy TATA AIG student insurance

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Special features of Tata AIG’s Student Guard Insurance

Tata AIG student guard plans provide health insurance cover for students in overseas.

Cashless claims settlement being in overseas.

24/7 insurance protection round the clock.

Offers coverage for Maternity expenses, Pre-existing diseases, Study Interruption, Sponsor protection, 2 way Compassionate visit and more.

There is no break in your overseas insurance cover when you travel to India for holidays and return back to overseas.

Premium paid in Indian rupees while coverage is in US dollars.

TATA AIG Student medical insurance extension/renewal while outside India

Indian students who are studying outside India and are stranded due to coronavirus and are unable to travel back home and want to extend or renew TATA AIG student insurance online. These students can complete the TATA AIG international student travel insurance renewal request form online and we will try to get an approval for you.


TATA AIG Covid19 student travel insurance

The TATA AIG Student Travel Guard travel insurance offered by Tata AIG General Insurance Company Ltd offers coverage for medical expenses related to COVID-19. Coronavirus related coverage for every insured is available up to the limits mentioned in the Policy Schedule for expenses incurred due to sudden and unexpected Sickness or Accident arising when insured is outside the Republic of India. Coverage in the policy is subject to policy terms & conditions.

  • TATA AIG student travel insurance coverage for Covid19 expenses are covered up to the Sum Insured according to the plan chosen less any deductible.
  • Covid expenses are covered for plans both with and without Sub Limits up to the eligible policy maximum.

The number of countries that insist on travel medical insurance upon arrival had been increasing over the years even before the COVID pandemic, however this list of countries is now growing rapidly. Several instances of unpaid medical bills by foreigners have caused huge losses to hospitals. This has pushed several governments to insist on travel health insurance for visiting their countries so as to minimize these incidents. This will hugely impact many Indian tourists, corporate executives and students who have deferred their foreign trips due to Covid-19 but will need to travel overseas soon.

Along with proof of travel medical insurance many countries are also implementing Covid testing documents while allowing visitors to their countries.

Exclusions under TATA AIG Covid travel insurance

  • Expenses related to coronavirus testing are not covered until test reports are positive and leads to inpatient hospitalization.
  • Institutional and Home quarantine expenses are not covered.
  • Expenses incurred by travelers for COVID testing as part of government regulation are not covered.
TATA AIG covid insurance for international travel

Advantages of TATA AIG Student travel medical plans in Europe

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

Refund of the premium

A full refund of the premium if rejected by the university.

Waiver form

Will help complete the university waiver form if required.

Special approval

Special approval possible for students already outside India

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.

TATA AIG student travel medical insurance India

How to buy TATA AIG student travel insurance online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

TATA AIG Student Outside India

TATA AIG Student medical insurance for Indian students already outside India.

TATA AIG student travel insurance brochure

Download TATA AIG student travel Guard brochure online.

TATA AIG student travel insurance claims

In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas student travel insurance.

TATA AIG Student medical insurance FAQ

Get all the answers to the most frequently asked questions (FAQs) regarding student travel medical insurance offered by TATA AIG.

TATA AIG Student insurance Renewal

Students can renew their existing policy online before the exipry date at any time.

TATA AIG student insurance forum

Useful discussions and forum entries for best international TATA AIG international student insurance.

TATA AIG Student Universities

List of some of the Universities whose students have purchased TATA AIG student health insurance in the past.

Compare Student Plans

Compare TATA AIG student health insurance plans.

Europe as the destination for higher education!

The number of Indian students choosing Europe as the destination for higher academic pursuits is increasing with every passing year. While the UK has all along been a popular destination, France and Germany have also seen a significant increase in Indian students for some years now.Germany with its lost cost of quality education has been particularly popular for Engineering. However, of late we are seeing many Indian students going to lesser known education destinations like the Netherlands, Sweden, Finland, Ireland, Italy Spain and Bulgaria.

Higher education in Europe in most universities is of a very high standard and enables students to work in this globalised economy. Along with academics, studying in Europe also provides a broad cultural perspective with access to travel and work in so many different countries. All of this makes higher education in Europe very current, practical and responsive to the needs of the twenty first century working world.

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 best travel insurance quotes using the TATA AIG Student guard premium chart.

Steps to buy TATA AIG international student insurance for Europe

The following are for buying TATA AIG student health insurance for Indian students abroad in Europe
  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 you are allowed to buy outside student insurance, then you can compare Europe student insurance plans offered by TATA AIG
  4. Compare the TATA AIG student medical insurance plans with the University plan based on price as well as coverage benefits
  5. Select the Europe 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.
TATA AIG student travel insurance

No medical check up

Instant policy

The need for student health Insurance while studying in Europe

Most universities in Europe make it mandatory for having good student insurance while studying in Europe. European consulates also require health insurance for issuing the visa. Given the high cost of healthcare in Europe, it is important to have good health insurance even if your university does not make it mandatory.

Indian international student insurance by TATA AIG

  • What does TATA AIG student travel insurance cover?

    • 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 is not covered?

    • 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 Brochure.

TATA AIG medical insurance for international students in Europe - FAQ's

What is the free-look period for student insurance?

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 medical insurance for international students in Europe.

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 Europe 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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