TATA AIG student travel insurance for Germany

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TATA AIG student travel medical insurance India - Useful links

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Student medical insurance for Indian students already outside India.

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Special features of Tata AIG’s Student Guard Insurance

  • Full refund of premium if rejected by the university
  • Will help complete University Waiver form if required
  • Special approval possible for students already outside India
  • Offers coverage for Study Interruption, Sponsor protection, 2 way Compassionate visit
  • Premium paid in Indian rupees while coverage is in US dollars

Germany as the destination for higher education !

Germany is emerging a favoured higher education destination overseas for Indian students. There has been 114% increase in the number of Indian students enrolling for higher education courses there since 2008, according to the latest figures released by the regional office of the German Academic Exchange Service (DAAD). The number of students enrolled has increased from 3,516 in the 2008-09 academic year to 7,532 in 2012-13. There are several reasons for looking to Germany for higher education, along with the good engineering skills and exposure to German manufacturing companies, the cost of education is largely taken care of by the government. The Students have to mainly fend for their living expenses. Of late German universities are using English as the medium of instruction making it attractive to Indian students.
Last but certainly not the least is that education or research in Germany is an excellent way to connect with German companies who are all interested in employing top achievers. As German firms operate worldwide, careers with these German firms are possible not only within Germany or India but across the globe.

Please read through TATA AIG student insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. You can also complete an online TATA AIG Travelguard proposal form. You can renew/extend the plan using TATA AIG student insurance extension on expiry. You can also get the complete quotes using the TATA AIG Student premium chart.

The need for student health Insurance while studying in Germany

Indian student going to study in Germany need good student health insurance – without this you will not be able to enrol in German universities. Indian students are able to use their health insurance from India as private health insurers from other countries are also recognised in Germany. In this case, you will need a confirmation certificate to enrol in the university.

What does TATA AIG student travel insurance cover?

  • Study Interruption
    • TATA AIG General insurance 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 StudentGuard 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, 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, 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 ( https://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. If you choose a One year policy this is already included in the student insurance plan.

What is not covered?

  • 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.

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