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TATA AIG student medical insurance

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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.

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
This is a plan specific for the Student community from India who are traveling to foreign Universities to pursue their higher education. Tata AIG is the leader among the Indian Insurance companies offering the Student Product.

Given that 50% of the Indian students go to USA for their higher studies and that Tata AIG parent AIG is a household name in USA, many Indian students are preferring to insure themselves and their trip through Tata AIG.

Tata AIG’s Student Plan has five variants based on the Accident & Sickness Sum Insureds offered. The plans are names as below – Plan A, Plan B, Ultimate, Ultimate Plus and Supreme.

TATA AIG student benefits

  • Eligibility
  • Benefits
  • Policy Coverage
  • Faq
  • Claims
  • Exclusions

Eligibility of Tata AIG Student Insurance

  • 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

Benefits of TATA AIG Student Insurance

Plan A Plan B Ultimate Ultimate Plus Supreme
Accident & Sickness Medical Expenses Reimbursement
$50,000 (100) $1,00,000 (100) $2,50,000 (100) $5,00,000 (100) $5,00,000 (100)
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
Checked Baggage Loss*
$500 $1,000 $2,000 $2,500 $2,500
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

Some to the key benefits under the Student Guard Plan of Tata AIG include

  • 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.
  • Bail Bond The insurance company will pay bail bond costs incurred by the Insured student, as a result of false arrest or wrongful detention by any government or foreign power up to the amount stated in the Policy Schedule.
  • Assistance Services Tata AIG’s Assistance team, AIG Travel Assist will be available around the clock for any assistance or referral services.
  • 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.

Student Travel FAQ’s

  • What is the procedure to cancel the policy if the university rejects TATA-AIG insurance?
    The student should email us and provide the rejection letter received from the university. On receipt of this document, TATA AIG will cancel your student policy and refund the amount to you after deducting the cancellation charges of Rs.300/-

  • What is the effective date of the policy coverage?
    The policy is effective from the actual start date of travel or the commencement date mentioned on the policy certificate, whichever is later.

  • Who do I contact in case of an Emergency?
    Tata AIG’s Assistance Provider is AIG Travel Assist. The contact (phone and email) details of Assistance company have been provided on the insurance certificate. The assistance company should be contacted for Cashless Hospitalisation requirements, as well as reimbursements for claims already paid for by the insured.

  • What types of treatment are covered under the program?
    Primarily, there are two types of treatments available under this policy. Outpatient & Inpatient; The insured is eligible for the above benefits as per the Terms and conditions of the policy. (Note: Where possible, it is recommended that the insured utilizes the CASHLESS FACILITY by contacting the assistance company to facilitate the claim process) What do you mean by “Cashless” claim settlement? AIG Travel Assist will pay up to 100% of the claim (subject to the policy terms and conditions and upto the maximum Sum Insured mentioned) to the medical facility above the deductible amount mentioned on the policy certificate. This will be done either by placing a Guarantee of Payment (GOP) or making a payment to the hospital. This is subject to eligibility of the insured for coverage.

  • In the event of a claim, am I liable to pay any excess / deductible?
    The deductible under the Accident & Sickness is USD $100 .The policy deductible is applicable for each instance of sickness/ailment. For continuous treatments relating to the same sickness, the deductible will only be applicable once. The insured is required to quote the Claim reference number when contacting the assistance company while undergoing follow up / re-revisit treatments. The deductible will need to be paid in each instance of a new/ different ailment / sickness.

  • How is the deductible of USD $100 applicable in the case of Cashless hospitalization?
    During discharge of the patient and on preparation of the final bill, the deductible mentioned in the policy schedule is payable by the insured. Apart from this, all expenses that are not payable under the terms and conditions of the policy will have to be paid by the patient to the hospital / medical facilities. AIG Travel Assist will directly pay the allowed expenses to the hospital on behalf of Tata AIG.

  • Are there any restrictions on the hospital where the treatment should be taken?
    It is advisable that the insured contacts the Assistance Company who will direct them to a Network Hospital in the same locality and assist with Cashless facility. There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital However, the hospital should be a registered hospital under the local jurisdiction.

  • Who can contact the assistance company in the event of an emergency?
    Either the insured, or anyone who is acting on their behalf (friend/ family/ colleague) can contact the assistance company.

  • What is the timeframe in which the Assistance Company is to be contacted?
    The insured (or any other person as nominated above) is to inform the assistance company within a reasonable time frame so that the cashless facility can be activated. It is advisable however to make first contact with the Assistance company within 24 hours in case of hospitalization.

  • What is the process for reimbursement claims?
    The insured should retain all necessary bills (medical records in case of medical treatment) for expenses incurred as per the terms and conditions of the policy. The same can be submitted to the Tata AIG Claims Department (address below) on their return to India. The claims will be settled in 7 working days post submission of completed documentation.
    CLAIMS DEPARTMENT
    TATA-AIG General Insurance Company Limited
    A-501, 5th Floor, Building No.4,
    Infinity Park, Gen. A.K. Vaidya Marg,
    Dindoshi, Malad (East)
    Mumbai 400 097

  • I suffered from a medical and physical condition whilst in India. Can I claim for medical/hospital and other related expenses if I need treatment for the same diagnosis while on my trip?
    No, the policy does not provide for treatment of pre-existing conditions, except in the case of a life threatening situation.

  • Does the policy cover maternity and related expenses?
    Yes the policy covers for maternity expenses incurred for self only. Benefits are as per the policy certificate.

  • Does the policy provide for Travel Inconvenience covers?
    The policy provides coverage for Loss of Passport, Loss of Baggage (checked), Delay of baggage (check in), Missed Departure/Connection, Study Interruption, Sponsor Protection etc.
  • Can I make a claim wherein the Airlines have misplaced/lost/delayed my luggage on my return to India?
    You would need to first have a PIR (Property Irregularity Report) form filled with the scheduled airlines. If the airlines confirm on the total loss of the baggage, you may then register your claim with the insurance company. However please note that if the airline has compensated the insured for baggage loss/delay, then you should not file a claim with the insurer. Importantly, if the incident pertains to Delay of Baggage while returning to India, then the said incident would not be covered under the policy.

Student Claims Related Assistance

For any claim related query, intimation of claim and submission of claim related documents, You can contact Tata AIG’s Assistance Company – AIG Travel Assist through:

For Excluding Americas Policies :
Call: +603-2118-0782 or +603-2118-0784 (Toll Worldwide)
Email (assistance): TGAP.TATAmedical@travelguard.com
Email (claims): TGAP.TATAclaims@travelguard.com

For the Americas Policies:
Call : +1-866-866-2619 (Toll Free within US & Canada) : +1-817-826-7017 (Reverse Charge/Collect from other places)
Email: tata.aig@aig.com

While in India, contact at below numbers for any claim related assistance
Toll Free No : 1800 119966 from BSNL/MTNL Landline

Call these local helpline numbers in your respective cities from any other line:
Mumbai - 66939500, Delhi – 66603500, Bangalore – 66272829,
Pune – 66014156, Chennai – 66841050, Hyderabad – 66629882, Ahmedabad - 66610201
Email: general.claims@tataaig.com
Write to: Tata AIG General Insurance company Limited A-501, 5th Floor, Building No. 4, Infinity Park, Gen. A. K. Vaidya Marg, Dindoshi, Malad (E), Mumbai, India - 400 097.

Exclusions of Tata Aig Student 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 policy wordings.

What are the extensions under the Accident & Sickness coverage of the Tata AIG Student programs?

Some of the insurance company’s Student programs have unique Special Extensions specifically provided in the schedule of benefits:
  • Only Inpatient Medical expenses related to pregnancy, termination of pregnancy only as a result of physician’s advice to terminate pregnancy due to medical reasons and not due to insured person’s choice to terminate pregnancy subject to waiting period of 10 months
  • Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of benefits
  • Medical Expenses related to Cancer Screening and Mammographic examination on recommendation from a physician is covered subject to maximum amount as provided in the schedule of benefits. Any tests done as a part of preventive health check-up are not included under this benefit
  • Medical expenses due to Pre-existing Condition in case of Life threatening unforeseen emergency subject to maximum amount as provided in the schedule of benefits. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain
  • For ongoing physiotherapy to treat a disablement due to an accident, unless this is recommended in writing by the treating registered medical practitioner, upto the amount as stated in the policy schedule
  • Childcare benefits – We will pay upto the maximum amount as provided in the schedule of benefits, if the child is in between the age of 7 days - 90 days, and is hospitalized for 2 days or more for any ailment.

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