TATA AIG student travel insurance for USA

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TATA AIG student travel medical insurance India - Useful links

how to buy TATA AIG insurance online
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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Already outside India
Student Outside India

Student medical insurance for Indian students already outside India.

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TATA AIG Student Brochure
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Download TATA AIG student travel medical insurnance brochure.

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TATA AIG Student insurance claims
Insurance Claims

In case of Claim or reimbursement of treatment expenses, notify TATA AIG travel insurance.

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TATA AIG Student insurance faq
Insurance FAQ

Get all the answers to the most frequently asked questions (FAQs) regarding student travel medical insurance offered by TATA AIG.

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Online Renewal
Online Renewal

Students can renew their existing policy online before the exipry date at any time.

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Student Universities
Student Universities

List of some of the Universities whose students have purchased TATA AIG student insurance in the past.

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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

USA as the destination for higher education !

Over 100,000 Indian students enrol in US universities annually. This makes it the second largest international student community after Chinese student community. The United States remains the most attractive destination for Indian students wanting an overseas education. The reasons are self evident, there are more than 4000 institutions that offer undergraduate, masters and doctorate degrees in many different specializations. The USA education system has strong academic & social environment which fosters both academic, professional and personal development of individuals. Students get to interact with some of the best teachers and researchers in different fields. There is no country which can offer similar state of the art research facilities for student leaning toward research and Doctorates.
Students who are working towards engineering and management degrees find the US most attractive given the employment opportunities that an US degree offers. Along with the academic aspect, the US government is making it easy for Indian students to stay and work in the US after completing their studies. The student visa (F1 visa) allows student to work in the US under the OPT program. All of this makes the US a very attractive destination for higher education.

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 USA

Getting admission in an American college requires a lot of work, and not this is not just in terms of academics. There is a lot of paperwork, starting from University admission forms to Government visa applications. However there is one essential document that students often overlook—a student insurance policy.

The student insurance policy offered by TATA AIG combines the best of both a medical insurance plan and a regular travel policy. The TATA AIG Studentguard plan covers the students travel to and from India to the US as well as all medical exigencies in the US. Given the extremely high cost of healthcare in the US, medical insurance is indispensable as the cost of medical treatment in an US hospital can be forbidding.

TATA AIG’s International Student Guard Health insurance – Ideal for USA

Student medical insurance is compulsory in most US universities and colleges. However, many of the Indian students going overseas to study are not aware of this. When they do realise the need, they have to buy an insurance policy from the university. This can be more expensive, in most cases almost thrice the price of the TATA AIG Studentguard plan. While the price is very attractive, what makes TATA AIG Studentguard more compelling in the US is that TATA AIG works with AIA and United Healthcare as the carrier in the US. Students are dealing with an US customer support team and getting coverage in US Dollars, even though they have purchased the policy in Indian rupees.

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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