Premium Refund on Visa or University Rejection
Get a full refund of the insurance premium if your Germany student visa or university admission is rejected.
TATA AIG Student Travel Insurance for Germany
Secure Your Trip with TATA AIG – Now at 0% GST
Why Buy TATA AIG Student Insurance Germany?
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Starting Premium
₹25/day*
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Coverage Available
Upto $500,000
groups
Coverage
16 years to 35 years
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Worldwide Coverage
Cashless hospitalization?
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Duration
Pricing depends on coverage duration.
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Support Available
24x7
Trusted by 15,000+ Students
20+ Years of Insurance Expertise
Germany: A Leading Higher Education Destination for Indian Students
Germany is not only a European nation with a rich history and long traditions, but also a preferred destination for Indian students seeking high-quality education. The research-oriented education system, globally accepted certificates, and Germany's superior status in the engineering and science fields are the factors attracting international students. The country has good chances in the areas of technology, business, humanities and applied sciences. Public universities are quite popular among foreign students because they are either charging low or no tuition fees, thus making higher education more affordable compared to other Western countries, but with the same quality of education. Apart from education, Germany has also a very dynamic student life—multicultural campuses, tight industry ties, and chances to gain practical work experience during and after studies. The Indian students have the right to work part-time during their studies and if they graduate they can stay longer to find a job or develop their skills. All these factors of high education quality, low cost, and good job prospects make Germany a top choice for Indian students who want to go abroad for their studies.
Why Student Travel Insurance Is Required to Travel to Germany from India?
Travel insurance for students is important for Indian students flying to Germany as it is one of the major conditions for getting a German student visa. The German authorities that issue visas ask for the evidence of valid travel health insurance that is applicable from the time of leaving India till registering at a German university.
Medical treatment in Germany can be expensive without insurance, and health coverage is compulsory for university enrollment and residence permits. Student travel insurance helps you before you transition to a German public or private health insurance plan.
This insurance protects against medical emergencies, hospitalization, trip delays, and baggage loss, ensuring compliance with visa rules while providing financial security and peace of mind as you begin your studies in Germany.
Why Choose TATA AIG for Germany 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 Germany.
- Visa-Compliant Insurance – Policies align with common Germany student visa insurance requirements, supporting smooth visa approval.
- Instant Online Purchase – Buy TATA AIG Germany 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 Germany.
- Affordable & Flexible Plans – Choose from competitive premiums, multiple sum insured options, and coverage that matches your course duration.
Advantages of Buying TATA AIG Germany Student Insurance
TATA AIG Student Travel Insurance offers several unique benefits for Indian students studying in Germany that are not available with most international university insurance plans.
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 Germany more affordable compared to many international insurance options.
What Is Covered Under TATA AIG Student Medical Insurance for Germany?
TATA AIG Student Travel Insurance offers comprehensive coverage for Indian students studying in Germany, 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?
ExampleAn individual who has purchased TATA AIG student's health insurance for Germany with coverage of USD 100,000.
Let's say that this person has a medical emergency in Germany 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 Germany 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 Germany?
The cost of TATA AIG student travel insurance for Germany 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 Germany, 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 Germany
TATA AIG offers the most affordable student travel insurance for Germany—plans starting at just ₹25/day, with the best coverage from only ₹29/day!, while fully meeting Germany 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 |
Travel Safe to Germany with Trusted TATA AIG Student Insurance
How can I extend or renew my TATA AIG student travel insurance from Germany?
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 Germany from NRIOL?
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verifiedTATA AIG Germany Student Travel Insurance Plans
Choose TATA AIG Germany student travel insurance plans that meet medical and emergency coverage requirements for Irish visa and student stay.
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attach_moneyAffordable Student Health Insurance for Germany from India
Competitive premiums for Germany student travel insurance with transparent pricing and no hidden charges.
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schoolExperts in Germany Student Travel Coverage
Over 20 years of guidance for Indian students studying abroad and parents purchasing overseas travel insurance for Germany.
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editEasy Online Policy Modification
Update travel dates, passport details, or student information anytime before your trip to Germany.
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updateFlexible Germany Stay Extension Support
Extend your TATA AIG student travel insurance for Germany seamlessly if your study duration is prolonged.
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support_agent24/7 Global Emergency Assistance
Round-the-clock claims and medical help while studying anywhere in Germany.
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shopping_cartHow to Buy the Plan?
Buy Student Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
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assessmentStudent outside India
Students already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
Know more » -
assignment_turned_inHow to Make a Claim?
In case of Claim or reimbursement of treatment expenses, notify TATA AIG toll free and helpline.
Know more » -
descriptionTATA AIG Student Brochure
Download TATA AIG Student Insurance brochure online!
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autorenewTATA AIG Student Insurance Renewal
Students can renew their existing policy online before the expiry date at any time.
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forumTATA AIG Student Insurance Forum
Useful discussions and forum entries for best international TATA AIG international student insurance.
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schoolTATA AIG Student Universities
List of some of the Universities whose students have purchased TATA AIG student health insurance in the past.
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Student Destinations
Discover Popular Student Destinations with TATA AIG Travel Insurance
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 Germany
Follow these steps to purchase TATA AIG student health insurance for Indian students studying in Germany.
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Check University Health Insurance Requirements
Find out whether your Germany university offers a mandatory health insurance policy for international students. -
Confirm If External Insurance Is Allowed
If a university plan is available, verify whether students are permitted to purchase an alternative student insurance plan. -
Compare TATA AIG Student Insurance Plans
If external insurance is allowed, compare TATA AIG international student insurance plans for Germany with the university-provided plan. -
Evaluate Coverage and Cost
Compare plans based on premium amount, medical coverage, study interruption, and sponsor protection benefits. -
Select the Best-Fit Insurance Plan
Choose the Germany student health insurance plan that fits your budget and coverage needs. -
Buy TATA AIG Student Insurance Online
After completing the purchase online, policy documents are delivered instantly by email. -
University Insurance Waiver Assistance
If required, assistance is provided to complete and submit the university insurance waiver form.
Factors That Affect Tata AIG Germany Student Travel Insurance Cost
The cost of Tata AIG Germany 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 Germany, 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 Germany – FAQ’s
Is TATA AIG student insurance accepted by all Irish universities?
Yes. TATA AIG student insurance for Germany 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.
Does TATA AIG meet Germany student visa health insurance requirements?
Yes. The TATA AIG student travel insurance plans are designed to satisfy Germany 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.
Is there an age limit for buying TATA AIG Germany student travel insurance?
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.
Does the TATA Germany student medical insurance cover dental treatment?
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.
Will the student travel insurance cover for pre-existing illnesses?
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.
Can I buy TATA AIG student insurance if I’m already in Germany?
Yes. Students who are already outside India, including those in Germany, may be eligible for special approval to purchase TATA AIG student travel insurance online. Approval is subject to underwriting guidelines.
Can I extend or renew TATA AIG insurance while studying in Germany?
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 Germany?
- 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.