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 Hong Kong from India - 2026
Indian students studying in Hong Kong can buy TATA AIG student travel insurance from ₹25/day* - covering medical emergencies, hospitalization, personal liability, and 24×7 travel assistance. Plans meet Hong Kong 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 Hong Kong for Higher Education?
Amazingly, Hong Kong has already become the number one home country for Indian students’ higher education. The reason is its world-class educating system, universities and other degrees, and rich culture. There are more than 80 institutions that are ranked globally, and a large number of programmes are taught in English which means that French universities and Grandes Écoles are offering excellent admissions everywhere from engineering and business to science, arts and humanities. Thus, students hoping to get the best education and grow their careers internationally are coming to Hong Kong.
TATA AIG Hong Kong Student Insurance: Key Details at a Glance
| Feature | Details |
|---|---|
| Starting Premium | ₹25/day* |
| Medical Coverage | Up to $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 |
Moreover, one of the factors that pull students to Hong Kong is that it has the lowest tuition compared to similar advanced massification countries, plus the award-winning scholarships like Charpak and Eiffel that among others, help Indian students financially all through their studies. Additionally, Hong Kong is an attractive place for graduates to get initial working experience, as it allows them to not only live but also to get their careers started in the country of their choice while the degree is still fresh and hot.
Being a student in Hong Kong is also just like living in a cultural melting pot; moreover, one gets the chance to be in the Schengen area that gives the opportunity to visit Europe with no borders while studying abroad.
Which TATA AIG Hong Kong Travel Insurance Is Right for You?
- Tight budget → Student Insurance Plan A → $50,000 medical coverage, starting at approximately ₹25/day*.
- Higher medical coverage at a moderate price → Student Insurance Plan B → $100,000 medical coverage, starting at approximately ₹29/day*.
- Greater protection for a longer study stay → Student Ultimate → $250,000 medical coverage, starting at approximately ₹35/day*.
- Maximum listed medical coverage → Student Ultimate Plus → $500,000 medical coverage, starting at approximately ₹39/day*.
- An alternative with the same medical limit → Student Supreme → $500,000 medical coverage, starting at approximately ₹42/day*.
How Much Does TATA AIG Student Travel Insurance Cost for Hong Kong in 2026?
The cost of TATA AIG student travel insurance for Hong Kong 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 Hong Kong Student Travel Insurance Cost
The cost of Tata AIG Hong Kong 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 Hong Kong, 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 Student Travel Insurance Is Required to Travel to Hong Kong from India?
Travel insurance for Indian students going to Hong Kong is not just advisable - for long-stay student visa holders, it's a required part of the application process. It is a major factor in the processing of the visa and your health during the stay abroad. Indian applicants for long-stay student visas (VLS-TS) are, in general, required to submit as part of the visa documentation proof of valid travel and health insurance for the entire period of their stay. This guarantees that you are taking good care of medical, emergency, and repatriation needs while arranging local healthcare after your arrival.
You may, however, join the French Sécurité Sociale (public health system) once in Hong Kong and receive basic healthcare coverage. Nonetheless, this system usually reimburses only a small part of the medical costs. Therefore, having a comprehensive student travel insurance policy from India gives you instant protection from the time you leave - covering the whole range from emergency medical treatment and hospitalization to travel disruption and repatriation.
Student travel insurance still provides necessary financial support and mental consolation. Therefore, it is a good investment for the student who wants to concentrate on his/her studies, enjoy life in Hong Kong, and not be concerned about unforeseen medical issues or travel-related expenses before the start of local coverage.
Why Choose TATA AIG for Hong Kong 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 Hong Kong.
task_alt Visa-Compliant Insurance
Policies align with common Hong Kong student visa insurance requirements, supporting smooth visa approval.
bolt Instant Online Purchase
Buy TATA AIG Hong Kong student insurance online, make a secure payments, and receive your policy by email.
support_agent 24/7 Global Assistance
Access round-the-clock emergency support while studying and living in Hong Kong.
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 Hong Kong Student Insurance?
TATA AIG Student Travel Insurance offers several unique benefits for Indian students studying in Hong Kong 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 Hong Kong 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 and 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 Hong Kong more affordable compared to many international insurance options.
What Is Covered Under TATA AIG Student Medical Insurance for Hong Kong?
TATA AIG Student Travel Insurance offers comprehensive coverage for Indian students studying in Hong Kong, 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.
Travel Safe to Hong Kong 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".
How Does TATA AIG Student Insurance for Hong Kong Work?
Example: An individual who has purchased TATA AIG student health insurance for Hong Kong with coverage of USD 100,000.
Let's say that this person has a medical emergency in Hong Kong and puts forward a claim of USD 17,000 which is allowed under the policy. Here the costs are broken down as follows:
| Medical Expense | Amount |
|---|---|
| X-ray and laboratory tests | USD 3,000 |
| Surgery | USD 11,000 |
| Hospital room rent | USD 1,000 per day for 3 days |
| Total medical expenses: USD 17,000 | |
Since the TATA AIG Hong Kong 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 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 Hong Kong.
- 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 Hong Kong.
- 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 Hong Kong can provide financial protection against eligible medical expenses and other covered travel-related risks during the student's stay in Hong Kong.
Steps to Buy TATA AIG International Student Insurance for Hong Kong
Follow these steps to purchase TATA AIG student health insurance for Indian students studying in Hong Kong.
fact_check Step 1: Check University Health Insurance Requirements
Find out whether your Hong Kong 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 Hong Kong 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 Hong Kong 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 Hong Kong - FAQs
Yes. TATA AIG student insurance for Hong Kong is widely accepted by both Hong Kong 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. TATA AIG student travel insurance is specifically built to meet Hong Kong visa travel insurance for students requirements — covering comprehensive medical expenses, emergency treatment, and repatriation benefits that visa authorities look for when processing long-stay student applications. 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 Hong Kong, 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.
For Indian students, paying in INR while getting USD coverage abroad is a big advantage. TATA AIG ticks that box — premiums start at ₹25/day, plans are accepted by Hong Kong universities, and the policy is issued instantly online. That's why it's consistently one of the top picks for students heading overseas from India.
Student Insurance Plan A offers $50,000 in medical coverage, with a published annual premium of ₹9,230 (approximately ₹25 per day). For a six-month stay, request a quote for your exact policy dates.
Student Ultimate offers $250,000 in medical coverage, while Student Ultimate Plus and Student Supreme offer $500,000. The page lists student eligibility from ages 16 to 35 and policy durations of up to three years. Confirm the premium for your exact duration.
Routine treatment for pre-existing conditions may be excluded under the policy. Check the current policy wording with TATA AIG to confirm whether asthma treatment, medication or any specific exceptions are covered.
block What Are the Exclusions Under TATA AIG International Student Insurance for Hong Kong?
- 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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