TATA AIG Student insurance premium chart

Insurance Coverage

• Study Interruption
  • We'll 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, we'll reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.


• Accident and Sickness Medical Expenses
  • We 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, we 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.


• Assistance 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.


• 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. In case you are opting for 1 year policy this program is already included in the plan.

What is not covered?

1. 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.
2. Any Pre-existing conditions or complications arising there from.
3. 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.
4. 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.