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TATA AIG logo travel insuranceTATA AIG Student Travel Insurance for China

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Why Buy TATA AIG Student Insurance China?

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Starting Premium
₹25/day*
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Coverage Available
Upto $500,000
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Coverage
16 years to 35 years
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Worldwide Coverage
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Pricing depends on coverage duration.
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Trusted by 15,000+ Students

20+ Years of Insurance Expertise

China: A Leading Higher Education Destination for Indian Students

China is a place for Indian students who want to study outside of India. It has some good universities like Tsinghua University, Peking University, Fudan University and Zhejiang University. These China universities offer good education in many subjects like engineering, medicine, business and sciences.

China universities have programs that are taught in English. This is especially true for medicine and engineering programs. So Indian students can study in China even if they do not speak Mandarin. China is an option, for Indian students because they can get a good education without having to learn a new language.

China is a place to study because it is affordable. The cost of tuition and living in China is usually lower than in countries. This helps students and their families because they do not have to spend much money. With lower costs China still offers a good education. China is also a source of numerous scholarships. The government and Higher Education institutions in China offer scholarships to thousands of students annually. The financial support covers tuition and living expenses. China attracts foreign students through these scholarships, and that is one of the reasons why it is one of the top destinations for international students. China is a less expensive option for students who want to study in another country.

India and China are proving to be extremely close in education. The number of Indian students going to China for studies is increasing day by day. They really like the clinical programs at Chinese universities. The reason is that these programs are well known over the world and other countries also approve of them. India and China educational ties are becoming strong because of this. Indian students like to go to universities because they know it will be good, for them.

Beyond academics, studying in China offers Indian students a unique cultural experience and the opportunity to learn Mandarin — the world’s most spoken language — which can be a valuable asset in today’s global job market.

Why Student Travel Insurance Is Required to Travel to China from India?

Getting student travel insurance is an important task when one is going to study in China—though sometimes health coverage is not necessarily essential for the visa process. Most of Chinese universities require proof of a valid insurance as a part of their admission or registration process since the healthcare costs for international students can be quite high without the right insurance.

Student travel insurance provides coverage for a multitude of risks associated with living and studying in a foreign country, such as:

  • Medical emergencies and hospitalisation during your stay in China
  • Treatment for accidental injuries or sudden illnesses
  • Trip delays, missed connections, or lost luggage during travelling
  • Emergency assistance and evacuation support
  • Financial coverage against unexpected costs abroad

There are some universities that provide their own insurance, and others that refer to provincial healthcare, but those may not cover all the situations that might arise—especially for instance, during the first weeks after arrival or for prescription medications, specialised care, or emergency evacuations. Comprehensive student travel insurance is the guarantee of excellent support and peace of mind, allowing you to concentrate entirely on your education and enjoyment in China.

Why Choose TATA AIG for China Student Travel Insurance?

  • Trusted Global Insurance Provider – TATA AIG is a well-established international insurer known for reliable student travel and health insurance.
  • Comprehensive Student Coverage – Includes medical expenses, emergency evacuation, repatriation, accidental death & disability, and personal liability, designed for students studying in China.
  • Visa-Compliant Insurance – Policies align with common China student visa insurance requirements, supporting smooth visa approval.
  • Instant Online Purchase – Buy TATA AIG China student insurance online, make secure payments, and receive your policy instantly by email.
  • 24/7 Global Assistance – Access round-the-clock emergency support while studying and living in China.
  • Affordable & Flexible Plans – Choose from competitive premiums, multiple sum insured options, and coverage that matches your course duration.

Advantages of Buying TATA AIG China Student Insurance

TATA AIG Student Travel Insurance offers several unique benefits for Indian students studying in China that are not available with most international university insurance plans.

Premium Refund on Visa or University Rejection

Get a full refund of the insurance premium if your China student visa or university admission is rejected.

University Waiver Form Assistance

TATA AIG provides support in completing and submitting university insurance waiver forms, if required by the institution.

Special Approval for Students Already Abroad

Students who are already outside India may receive special approval to purchase TATA AIG student insurance, subject to underwriting guidelines.

Study Interruption Coverage

In case of a medical emergency, TATA AIG reimburses the remaining semester tuition fees if the student is unable to continue their studies.

Sponsor Protection Benefit

If the student’s sponsor suffers a fatal injury or permanent disability, the policy helps cover tuition fees for the remaining duration of the course.

Pay in INR, Get Coverage in USD

Students can pay the premium in Indian Rupees (INR) while receiving coverage in US Dollars (USD). This makes TATA AIG student medical insurance for China more affordable compared to many international insurance options.

What Is Covered Under TATA AIG Student Medical Insurance for China?

TATA AIG Student Travel Insurance offers comprehensive coverage for Indian students studying in China, helping meet both student visa and university insurance requirements.

Accident and Sickness Medical Expenses

Covers eligible medical expenses incurred overseas due to illness or accident, excluding pre-existing conditions, up to the maximum limit specified in the policy schedule.

Repatriation of Mortal Remains

Covered under the Accident & Sickness benefit, including expenses for repatriation of remains in the unfortunate event of death abroad.

Study Interruption

Reimburses prepaid tuition fees for the current semester if studies are interrupted due to medical or compassionate reasons.

Sponsor Protection

If the student’s sponsor suffers accidental death or permanent disability, TATA AIG reimburses remaining tuition fees up to the limits mentioned in the policy.

Compassionate Visit (Two-Way)

Covers round-trip economy airfare and accommodation for an immediate family member if the student is hospitalized for more than 7 consecutive days. Also covers student travel in case of death or prolonged hospitalization of parents, spouse, or children, subject to policy limits.

Personal Accident Cover

Provides worldwide coverage for accidental death and permanent disability while the student is studying abroad.

Maternity Benefits

Covers medical expenses related to termination of pregnancy, subject to a 10-month waiting period and policy limits.

Assistance Services

24×7 global assistance services including medical referrals and emergency support.

Mental and Nervous Disorders

Covers treatment for mental and nervous disorders, including alcoholism and drug dependency, when recommended by a physician and subject to benefit limits.

Cancer Screening and Mammography

Medical expenses for cancer screening and mammography are covered when prescribed by a physician, subject to policy limits.

RED24 Global Security Services

Access to RED24 global security advisory services to help manage personal safety risks worldwide.

Relocation Services

Includes AIG International Student Support Services such as 24-hour multilingual assistance to help students settle abroad. Included automatically in one-year policies.

How Does TATA AIG Student Insurance Work?

Example

An individual who has purchased TATA AIG student's health insurance for China with coverage of USD 100,000.

Let's say that this person has a medical emergency in China and puts forward a claim of USD 17,000 which is allowed under the policy. Here the costs are broken down as follows:

X-ray and laboratory tests Surgery Hospital room rent
USD 3,000 USD 11,000 USD 1,000 per day for 3 days
Total medical expenses: USD 17,000

Since the TATA AIG China student insurance plan offers coverage of USD 100,000, the insurer pays the entire admissible claim amount of USD 17,000, subject to policy terms and conditions.

If a deductible applies, the student must pay the deductible amount first, and TATA AIG settles the remaining eligible claim as per the policy.

How Much Does TATA AIG Student Travel Insurance Cost for China?

The cost of TATA AIG student travel insurance for China is significantly lower for Indian students compared to international insurance plans, as the premium is paid in Indian Rupees (INR) while providing coverage abroad.

For Indian students studying in China, the monthly cost of TATA AIG student insurance typically ranges between:

₹1,051 to ₹1,598 per month

The exact premium depends on several factors, including:

  • Student’s age
  • Type of TATA AIG student insurance plan
  • Policy maximum / coverage limit
  • Duration of study in China

TATA AIG offers the most affordable student travel insurance for China—plans starting at just ₹25/day, with the best coverage from only ₹29/day!, while fully meeting China university and student visa insurance requirements.

Plan Name Policy maximum Cost per month Cost for 1 year
Student Insurance Plan A $50,000
Student Insurance Plan B $1,00,000
Student Ultimate $2,50,000
Student Ultimate Plus $5,00,000
Student Supreme $5,00,000
Looking for reliable travel health insurance for China from India? TATA AIG Student Insurance offers comprehensive coverage that meets visa and university requirements

Travel Safe to China with Trusted TATA AIG Student Insurance

How can I extend or renew my TATA AIG student travel insurance from China?

Indian students who want to extend or renew click here and fill the form TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.

Why Buy Student Insurance for China from NRIOL?

  • verified
    TATA AIG China Student Travel Insurance Plans

    Choose TATA AIG China student travel insurance plans that meet medical and emergency coverage requirements for Irish visa and student stay.

  • attach_money
    Affordable Student Health Insurance for China from India

    Competitive premiums for China student travel insurance with transparent pricing and no hidden charges.

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    Experts in China Student Travel Coverage

    Over 20 years of guidance for Indian students studying abroad and parents purchasing overseas travel insurance for China.

  • edit
    Easy Online Policy Modification

    Update travel dates, passport details, or student information anytime before your trip to China.

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    Flexible China Stay Extension Support

    Extend your TATA AIG student travel insurance for China seamlessly if your study duration is prolonged.

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    24/7 Global Emergency Assistance

    Round-the-clock claims and medical help while studying anywhere in China.

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TATA AIG Citation

Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 20+ years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".

Steps to Buy TATA AIG International Student Insurance for China

Follow these steps to purchase TATA AIG student health insurance for Indian students studying in China.

  1. Check University Health Insurance Requirements
    Find out whether your China university offers a mandatory health insurance policy for international students.
  2. Confirm If External Insurance Is Allowed
    If a university plan is available, verify whether students are permitted to purchase an alternative student insurance plan.
  3. Compare TATA AIG Student Insurance Plans
    If external insurance is allowed, compare TATA AIG international student insurance plans for China with the university-provided plan.
  4. Evaluate Coverage and Cost
    Compare plans based on premium amount, medical coverage, study interruption, and sponsor protection benefits.
  5. Select the Best-Fit Insurance Plan
    Choose the China student health insurance plan that fits your budget and coverage needs.
  6. Buy TATA AIG Student Insurance Online
    After completing the purchase online, policy documents are delivered instantly by email.
  7. University Insurance Waiver Assistance
    If required, assistance is provided to complete and submit the university insurance waiver form.

Factors That Affect Tata AIG China Student Travel Insurance Cost

The cost of Tata AIG China student travel insurance depends on several key factors that insurers consider when calculating premiums:

  • Length of Trip: Longer study periods (e.g., 9–12 months compared to 3–6 months) result in higher premiums, as insurance coverage is required for an extended duration.
  • Destination: Traveling to countries like China, where healthcare and living costs are relatively high, leads to higher insurance premiums compared to low-cost Asian destinations.
  • Sum Insured: Higher coverage limits provide greater financial protection but also increase the premium.

TATA AIG Medical Insurance for International Students in China – FAQ’s

Is TATA AIG student insurance accepted by all Irish universities?

Yes. TATA AIG student insurance for China is widely accepted by both Irish universities and colleges if the insurance meets their basic coverage criteria. Generally, the majority of institutions ask international students to have a health insurance plan that is valid, covers medical expenses, emergency treatment, repatriation, and the whole time of stay. Always check your specific university's insurance requirements prior to purchasing and if required, submit a waiver form along with the policy documents as support.

Yes. The TATA AIG student travel insurance plans are designed to satisfy China student visa insurance requirements by providing comprehensive medical coverage and emergency benefits required by visa authorities. Your medical insurance is proof that you can get treatments, hospitalization, evacuation, and repatriation for the entire duration of your study. So, better be sure that the coverage of your chosen plan and the wording are consistent with the visa guidelines.

Yes, there is an age limit to be eligible to buy the TATA AIG student travel insurance. The student must be between the ages of 16 and 35 to satisfy eligibility.

Yes, If the student requires a dental surgery to treat acute pain from a natural tooth, the student medical insurance will help take care of the cost.

No, the TATA AIG student travel insurance will not cover any costs associated with treatment of a pre-existing ailment unless it is a life-threatening situation.

Yes. Students who are already outside India, including those in China, may be eligible for special approval to purchase TATA AIG student travel insurance online. Approval is subject to underwriting guidelines.

Yes. Students can renew their existing TATA AIG student insurance policy online at any time before the expiry date. This allows you to extend coverage seamlessly if your study duration is prolonged.

What Are the Exclusions Under TATA AIG International Student Insurance for China?

  • Pre-existing medical conditions and related complications
  • War, terrorism, nuclear risks, and illegal activities
  • Professional or competitive sports and dangerous activities
  • Pregnancy and childbirth (except termination of pregnancy)
  • Suicide, attempted suicide, or self-inflicted injuries
  • AIDS and related conditions
  • Engagement in armed forces, mining, offshore work, or handling explosives
  • Travel against medical advice or for obtaining treatment

For a complete list of exclusions and limitations, please refer to the official TATA AIG policy brochure.