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Home » Student » TATA AIG Student medical Insurance

TATA AIG student medical insurance

Studying abroad is a crucial opportunity for students. You can explore new lands, new cultures and new lifestyles during your spare time while abroad for studies. But you also should be aware that along with the opportunity there can be risk of accident or loss of sponsorship. TATA AIG StudentGuard insurance is designed for people who are travelling abroad to pursue their studies.
Student Insurance
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What are the main features of TATA AIG student insurance policy?

Following are the salient features of this policy:
  • Full refund of premium if rejected by the university
  • Will help complete and sign University Waiver form if required
  • Special approval possible for students already outside India, subject to approval from the underwriters
  • Offers coverage for Study Interruption, Sponsor protection, 2 way Compassionate visit
  • Premium paid in Indian rupees while coverage is in US dollars
TATA AIG’s Student Guard plan is designed for students who are travelling abroad to pursue their studies and are exclusively designed to cover unanticipated emergencies abroad. But wait a minute, before you set off, do answer some important questions.
  1. Since you're going abroad, why don't you travel and see a bit more of the world too?
  2. Are you well protected against life's Unexpected surprises?
  3. What if your studies are interrupted due to circumstances beyond your control?

TATA AIG student benefits

Coverage in USD Plan A Plan B Ultimate Ultimate Plus Supreme
hospital  Accident & Sickness Medical Expenses Reimbursement $50,000 (100) $1,00,000 (100) $2,50,000 (100) $5,00,000 (100) $5,00,000 (100)
ambulance  Emergency Evacuation $5,000 $10,000 $15,000 $25,000 $25,000
person  Repatriation of Remains $2,500 $5,000 $7,500 $10,000 $10,000
ambulance  AD & D 24 Hrs $10,000 $25,000 $25,000 $30,000 $50,000
Felonious   Felonious Assault (AD&D) $5,000 $5,000 $25,000 $25,000 $25,000
baggage  Checked Baggage Loss* $500 $1,000 $2,000 $2,500 $2,500
baggage delay  Baggage Delay (After 12 hours only)# - $50 $150 $250 $250
passport  Loss of Passport $250 (30) $250 (30) $250 (30)> $250 (30) $250 (30)
liability  Personal Liability $1,00,000 (200) $1,00,000 (200) $5,00,000 (200) $5,00,000 (200) $5,00,000 (200)
study  Study Interruption $7,500 $7,500 $15,000 $25,000 $25,000
globe  Sponsor Protection $10,000 $10,000 $20,000 $25,000 $25,000
aeroplane  Compassionate Visit (2-Way) $1,500 $5,000 $7,500 $10,000 $10,000
note pad  Bail Bond $500 $1,000 $5,000 $5,000 $5,000
maternity  Maternity Benefit(Only Inpatient Treatment incl 1 month post Natal Cover) - Waiting Period - 10 Months $500 $1,000 $2,000 $2,500 $3,000
disorder  Treatment for Mental and Nervous Disorders: Including Alcoholism and Drug Dependency - $500 $1,000 $2,000 $2,500
screening  Cancer Screening and Mammography Examinations $250 $500 $1,500 $2,500 $3,000
assistance  Assistance Services Included Included Included Included Included

# Reimbursement of purchase of necessary personal effect, due to baggage delay overseas
* Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured

  • Any individual, between sixteen (16) and thirty-five (35) years of age, enroll and attending a full-time registered educational institution of higher learning, outside Republic of India.
  • The student should be an India Passport holder or holder of a PIO/OCI card
  • The student should be based and traveling out of India at the time of purchase of the policy
  • The insured person can only be covered under one such policy for the period
Study Interruption
Tata AIG 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.

Accident and Sickness Medical Expenses
Tata AIG 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: - 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, Tata AIG 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
Tata AIG’s Assistance team, AIG Travel Assist 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.

*Condition Apply: Please refer to policy wordings for terms and conditions.

Other benefits include: 24 hrs Worldwide Emergency Assistance Services, Emergency Medical Evacuation, Repatriation of Remains, Felonious Assault, Lost Luggage, Personal Liability Aboard, Accident and sickness Medical Coverage.

All Rates, Tax Amounts & Total Gross Figs. Have been rounded to the Nearest Rs. Value.
  • 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 policy wordings.

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