TATA AIG Student Insurance

Student Guard Insurance

  • Full refund should university reject this policy
  • We will facilitate completion of insurance waiver form
  • Pay for Student Guard plus insurance in Indian Rupees and get US Dollar coverage
  • TATA AIG Student Guard Plus is cheaper than international student insurance plans
  • Also includes Study Interruption, Sponsor Protection, Compassionate Visit cover
No of Students
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  OR age      years
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End Date
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Studying outside India is an incredible opportunity whether it is in the USA, UK, Australia, Singapore, Germany or elsewhere. To study in the college of your choice and to explore new places, new cultures is a dream come true. However please be aware that this opportunity comes with the risk of accidents or loss of sponsorship while outside India. Tata AIG's Student travel insurance plan popularly known as Student Guard Plus is designed for Indiann studying overseas. This student insurance provides health insurance as well as provide additional coverages such as study interruption sponsor protection, compassionate two way travel. These additional benefits are not available in most international plans.

Who is Eligible for TATA AIG Student guard insurance?

Indian students between 16 to 35 years, enrolled and attending college full time outside India are eligible.

What makes it special?

  • Full Refund: The entire insurance premium will be refunded if your university rejects TATA AIG student insurance.
  • Waiver Form: NRIOL will facilitate completing the University insurance waiver form if required
  • NRIOL helps students already outside India buy this insurance by getting special approval.
  • The TATA AIG Student Guard proposal form can be completed and the policy bought online with ease.
  • NRIOL helps students buy TATA AIG studentguard by getting approval if they currently have a different policy.
  • Coverage includes Accident & Sickness Reimbursement and Personal Accident cover.
  • Pay in Indian rupees for coverage in US Dollars. This is advantages if currency fluctuations make US dollar more expensive overtime.
  • Benefits
  • Policy Coverage
  • Features
  • Exclusion

Coverage in USD Plan A Plan B Ultimate Ultimate Plus Supreme
hospital  Accident & Sickness Medical Expenses Reimbursement $50,000 (100) $100,000 (100) $250,000 (100) $500,000 (100) $500,000 (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  Baggage Loss (CHECKED) $500 (10% or 50%) $1,000 (10% or 50%) $2,000 (10% or 50%) $2,500 (10% or 50%) $2,500 (10% or 50%)
baggage delay  Baggage Delay (After 12 hours only)# $0 $50 $150 $250 $250
passport  Loss of Passport $250 (30) $250 (30) $250 (30)> $250 (30) $250 (30)
liability  Personal Liability $100,000 (200) $100,000 (200) $500,000 (200) $500,000 (200) $500,000 (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 $10,500
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 $0 $500 $1,000 $2,000 $2,500
screening  Cancer Screening and Mammography Examinations $250 $500 $1,500 $2,500 $3,000
  Red 24 Services Included Included Included Included Included
assistance  Assistance Services Included Included Included Included Included
Relocation Services (Applicable only for Students covered on 365 days Including Americas Plan)

  • * Included under Accident & Sickness Medical Expenses
  • # Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured

  • 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 ( http://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.

  • 24 Hours 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-Hours Emergency Translation Services.
  • Personal security services from red24.
  • Worldwide Assistance Services.

Eligibility for Indian overseas student health insurance

  1. 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.
  2. The insured person can only be covered under one such policy for the period.

  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.
For other exclusions please refer to the policy wordings.



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