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.
International Student Travel Insurance for China from India – 2026
Indian students studying in China can buy TATA AIG student travel insurance from ₹25/day* - covering medical emergencies, hospitalization, personal liability, and 24×7 travel assistance. Plans meet Chinese university and visa insurance requirements. Get your instant quote in 2 minutes.
Starting Premium
₹25/day*
Coverage Available
Upto $500,000
Eligible Age
16 years to 35 years
Worldwide Coverage
Cashless hospitalization?
Duration
3 years
Support Available
24x7
1 Lakh+ travellers
20+ years expertise
24/7 support available
TATA AIG Student Medical Insurance Cost Calculator
Why Indian Students Choose China for Higher Education?
China is a popular study destination 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 Chinese universities offer good education in many subjects like engineering, medicine, business and sciences.
Chinese 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 can be an affordable study destination for international students. 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.
TATA AIG China Student Insurance: Key Details at a Glance
| Feature | Details |
|---|---|
| Starting Premium | ₹25/day* |
| Medical Coverage | Upto $500,000 |
| Eligible Age | 16 to 35 years |
| Student Plans | Plan A, Plan B, Ultimate, Ultimate Plus, Supreme |
| Emergency Assistance | 24×7 |
| Purchase | Online from India, policy instantly by email |
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.
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.
How Much Does TATA AIG Student Travel Insurance Cost for China in 2026?
The cost of TATA AIG student travel insurance for China starts at just ₹25/day*, with the exact premium depending on the student's age, selected plan, coverage limit, and study duration.
| Plan Name | Policy maximum | Cost for 1 year | Cost for 3 years |
|---|---|---|---|
| Student Insurance Plan A | $50,000 | ₹9,230 (~₹25 / day) | ₹24,864 |
| Student Insurance Plan B | $100,000 | ₹10,606 (~₹29 / day) | ₹28,940 |
| Student Ultimate | $250,000 | ₹12,859 (~₹35 / day) | ₹35,088 |
| Student Ultimate Plus | $500,000 | ₹14,517 (~₹39 / day) | ₹39,612 |
| Student Supreme | $500,000 | ₹15,487 (~₹42 / day) | ₹42,259 |
*Price shown is for a 365-day trip to International Student travel Insurance for an adult aged 22. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
TATA AIG Student Travel Insurance plans can also be purchased for up to 3 years, making them suitable for long-term international study programs.
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.
Why Do Indian Students Need Travel Insurance for Studying in China?
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?
verified Trusted Global Insurance Provider
TATA AIG is a well-established international insurer known for reliable student travel and health insurance.
health_and_safety Comprehensive Student Coverage
Includes medical expenses, emergency evacuation, repatriation, accidental death & disability, and personal liability, designed for students studying in China.
task_alt Visa-Compliant Insurance
Policies align with common China student visa insurance requirements, supporting smooth visa approval.
bolt Instant Online Purchase
Buy TATA AIG China student insurance online, make secure payments, and receive your policy instantly by email.
support_agent 24/7 Global Assistance
Access round-the-clock emergency support while studying and living in China.
savings Affordable & Flexible Plans
Choose from competitive premiums, multiple sum insured options, and coverage that matches your course duration.
What Are the 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.
currency_exchange 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.
description University Waiver Form Assistance
TATA AIG provides support in completing and submitting university insurance waiver forms, if required by the institution.
flight_land 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.
school 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.
family_restroom 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.
attach_money 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.
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 applicable 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 applicable benefit limits.
Cancer Screening and Mammography
Medical expenses for cancer screening and mammography are covered when prescribed by a physician, subject to applicable 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 for China Work?
Example: An individual who has purchased TATA AIG student travel insurance for China with a coverage limit of USD 100,000.
Let's say that this student has a medical emergency in China and is hospitalized for treatment. The student submits a claim of USD 17,000, which is admissible under the policy. The medical expenses are broken down as follows:
| Medical Expense | Amount |
|---|---|
| X-ray and laboratory tests | USD 3,000 |
| Surgery | USD 11,000 |
| Hospital room rent | USD 3,000 |
| Total medical expenses: USD 17,000 | |
Since the TATA AIG China student insurance plan provides coverage of USD 100,000, the admissible medical expenses of USD 17,000 can be covered by the insurer, subject to the policy terms, conditions, exclusions and applicable limits.
How the Coverage Helps the Student
- Medical expense protection: Eligible hospitalization and treatment expenses can be covered up to the applicable policy limits.
- Coverage for unexpected emergencies: The policy can provide financial protection when a student faces an unexpected medical emergency while studying in China.
- Coverage remaining after the claim: After an admissible claim of USD 17,000, up to USD 83,000 of the original USD 100,000 coverage limit remains available, subject to the policy terms and overall limits.
- Protection against high medical costs: Student insurance can help reduce the financial burden of eligible medical treatment expenses incurred during the stay in China.
- Deductible consideration: If a deductible applies to the selected plan, the student pays the applicable deductible first and TATA AIG settles the remaining eligible claim as per the policy.
- Financial support for students: Having travel insurance can help students and their families manage unexpected eligible expenses during the student's stay abroad.
For example: If a deductible of USD 500 applies to the claim, the student would pay the applicable USD 500 deductible, and the insurer would consider the remaining USD 16,500 for settlement, subject to policy terms and conditions.
Therefore, TATA AIG student insurance for China can provide financial protection against eligible medical expenses and other covered travel-related risks during the student's stay in China.
Travel Safe to China with Trusted TATA AIG Student Insurance
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 China
Follow these steps to purchase TATA AIG student health insurance for Indian students studying in China.
fact_check Step 1: Check University Health Insurance Requirements
Find out whether your China university offers a mandatory health insurance policy for international students.
rule Step 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.
compare_arrows Step 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.
balance Step 4: Evaluate Coverage and Cost
Compare plans based on premium amount, medical coverage, study interruption, and sponsor protection benefits.
tune Step 5: Select the Best-Fit Insurance Plan
Choose the China student health insurance plan that fits your budget and coverage needs.
payment Step 6: Buy TATA AIG Student Insurance Online
After completing the purchase online, policy documents are delivered instantly by email.
verified_user Step 7: University Insurance Waiver Assistance
If required, assistance is provided to complete and submit the university insurance waiver form.
TATA AIG Medical Insurance for International Students in China – FAQs
Yes. TATA AIG student insurance for China is widely accepted by both Chinese 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.
block 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.
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