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Mr. Khalid Sohail, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 5 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their Travel policies online". |
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TATA AIG Overseas Student Medical Insurance
Studying abroad is an opportunity twice over. To learn in the college of your choice, and to use free time exploring new lands, new cultures. But remember,with this opportunity comes the risk of an accident or loss of sponsorship. Tata AIG's StudentGuard plan is designed for people traveling abroad for studies.
Students between 16 to 35 years, enrolled and attending college full time outside India are eligible.
TATA AIG Student Guard Benefits Details
Coverages (Sum Insured in US$) |
Medical Insurance |
Plan A |
Plan B |
Ultimate |
Accident & Sickness Medical Expenses Reimbursement |
$50,000 |
$100,000 |
$250,000 |
Deductible |
$100 |
$100 |
$100 |
Emergency Evacuation* |
Included |
Included |
Included |
Repatriation of Remains* |
Included |
Included |
Included |
AD & D 24 Hrs |
$10,000 |
$25,000 |
$25,000 |
Felonious Assault (AD&D) |
$5,000 |
$5,000 |
$25,000 |
Travel Inconvenience |
Baggage Loss (CHECKED) |
$500 |
$1,000 |
$2,000 |
Deductible |
10% / 50% |
10% / 50% |
10% / 50% |
Baggage Delay (After 12 hours only)# |
$0 |
$50 |
$150 |
Loss of Passport |
$250 |
$250 |
$250 |
Deductible |
$30 |
$30 |
$30 |
Personal Liability |
$100,000 |
$100,000 |
$500,000 |
Deductible |
$200 |
$200 |
$200 |
Study Interruption |
$7,500 |
$7,500 |
$15,000 |
Sponsor Protection |
$10,000 |
$10,000 |
$20,000 |
Campassionate Visit (2-Way) |
$1,500 |
$5,000 |
$7,500 |
Bail Bond |
$500 |
$1,000 |
$5,000 |
Maternity Benefit for termination of Pregnancy only |
$0 |
$500 |
$1,000 |
Treatment for Mental and Nervous Disorders : Including Alcholism and Drug Dependency |
$0 |
$500 |
$1,000 |
Cancer Screening and Mammography Examinations |
$250 |
$500 |
$1,500 |
Red 24 Services |
Included |
Included |
Included |
Assistance Services |
Included |
Included |
Included |
Relocation Services (Applicable only for Students covered on 365 days Including Americas Plan) |
* - Included under the overall limit of Accident & Services Medical Expenses Reinbursement.
# - Reinbursement of purchase of necessary personal effect, due to baggage delay overseas.
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 hospitalisation 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 Disorders
Medical expenses related to 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 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.
Additional Features
- 24 Hrs. 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-Hrs Emergency Translation Services
- Personal security services from red24
- Worldwide Assistance Services
Other benefits include: 24 hrs Wolrdwide 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.
Eligibility
- Any indinvidual, 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 insured person can only be covered under one such policy for the period.
Key Exclusions
- 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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