TATA AIG Student Insurance


Student Guard Insurance

  • Full refund should university reject this policy
  • We will facilitate completion of insurance waiver form
  • Pay for insurance in Indian Rupees while getting US Dollar coverage
  • Much cheaper than international student insurance plans
  • Also includes Study Interruption, Sponsor Protection, Compassionate Visit cover
Coverage Destination
No of Students:
Student Date of Birth
  OR age      years
Insurance Start Date
Insurance End Date
   Total Days: 
Studying overseas in the USA, UK, Australia, Singapore, Germany... for Indian students is an incredible opportunity. 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 an accident or loss of sponsorship while outside India. Tata AIG's Student travel insurance plan is designed for Indians studying overseas. This student insurance provides health insurance as well as provide additional coverages such as study interruption sponsor protection, compassionate two way travel. This additional cover is not available in most international plans.

Who is Eligible?

Indian students between 16 to 35 years, enrolled and attending college full time outside India are eligible.
contact Not Sure?
Call us now at 080 - 4110 1026 and we will help you understand the coverage.

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.
  • 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.
Coverage in USD 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
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
Compassionate 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 Alcoholism 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 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 Overseas Student 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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Mr. Rodney Fernandez, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 8 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their Travel policies online".

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