TATA AIG Student insurance premium chart

What Are The Coverage Options Under TATA AIG International Student Health Insurance?

TATA AIG Student Travel Insurance provides comprehensive travel and health insurance for Indian students studying abroad. Tata AIG international student health insurance plans offer medical coverage from USD $50,000 to USD $500,000. Along with covering medical expenses due to sickness and accident, other benefits include emergency evacuation, study interruption, sponsor protection, compassionate visit, baggage protection, and bail bond. Coverage is available for 1,2 and 3 years, making it suitable for Indian students to do bachelor's, master's, and PhD in overseas. Compare all plans below to choose the coverage that best matches your university insurance requirements

• What does Tata AIG Student Insurance Cover?

  The plan benefits below are presented as per the Tata AIG Student Travel Insurance brochure. Plan Sum Insured, benefits and its deductibles, and exclusions are presented here to help students compare plans quickly. The benefits are covered as per policy terms and conditions.

  Coverage in USD	Plan A	Plan B	Ultimate	Ultimate Plus	Supreme
  Accident & Sickness Medical Expenses Reimbursement (Deductible: 100)	$50,000	$1,00,000	$2,50,000	$5,00,000	$5,00,000
  Emergency Evacuation	$5,000	10,000	$15,000	$25,000	$25,000
  Repatriation of Remains	$2,500	$5,000	$7,500	$10,000	$10,000
  Coverage for Pre-existing Disease (PED) (Included under accident and medical expenses benefit)	$500	$1,000	$2,500	$5,000	$5,000
  Checked in Baggage Loss (Max Per bag 50% and per item in a bag 10%)	$500	$1,000	$2,000	$2,500	$2,500
  Baggage Delay (Deductible: 12 hours)	N/A	$50	$150	$250	$250
  Study Interruption	$7,500	$7,500	$15,000	$25,000	$25,000
  Sponsor Protection	$10,000	$10,000	$20,000	$25,000	$25,000
  Compassionate Visit (2-Way)	$1,500	$5,000	$7,500	$10,000	$10,000
  Bail Bond	$500	$1,000	$5,000	$5,000	$5,000
  Maternity Benefit (Only Inpatient Treatment including 1 month Post Natal Cover) - Waiting Period - 10 Months)	$500	$1,000	$2,000	$2,500	$3,000
  Child Care Benefits	$250	$500	$1,000	$1,250	$1,500
  Treatment for Mental and Nervous Disorders : (Including Alcoholism and Drug Dependency)	N/A	$500	$1,000	$2,000	$2,500
  Cancer Screening and Mammography Examinations	$250	$500	$1,500	$2,500	$3,000
  Physiotherapy	$500	$500	$500	$500	$500
  Accidental Death and Dismemberment	$10,000	$25,000	$25,000	$30,000	$50,000
  Felonious Assault	$5,000	$5,000	$25,000	$25,000	$25,000
  Loss of Passport (Deductible: 30)	$250	$250	$250	$250	$250
  Personal Liability (Deductible: 200)	$,100,000	$1,00,000	$5,00,000	$5,00,000	$5,00,000

• Coverage benefits of TATA Student Insurance

  • Accident and Sickness Medical Expenses
    • TATA AIG Student Insurance 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.
      
      
  • Repatriation of remains
    • TATA AIG Student Insurance included under Accident & Sickness Medical Expenses
      
      
  • 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.
      
      
  • 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 Health Insurance provides worldwide coverage against Accidental death and permanent Disablement whilst you are abroad, up to maximum limit shown in the Schedule of Benefits.
      
      
  • 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.
      
      
  • Assistance Services
    • Our assistance team will be available around the clock for any assistance or referral services.
      
      
      
  • 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
    • 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.

• List of TATA Student Health Insurance Features

  • 24 Hours Worldwide Emergency Assistance Service.
  • Emergency Medical Evacuation.
  • Repatriation of Remains.
  • Felonious Assault.
  • Personal Liability Abroad.
  • Accident and Sickness Medical Reimbursement.
  • US Drivers License & Social Security Application Information.
  • 24-Hours Emergency Translation Services.
  • Personal security services from red24.
  • Worldwide Assistance Services.

  Eligibility for Indian overseas student health insurance

  1. Any individual, between sixteen (16) and thirty-five (35) years of age, enrolled in a registered educational institution of higher learning, outside Republic of India.
  2. The insured person can only be covered under one such policy for the period.

• What are the exclusions under TATA AIG international student health insurance?

  • ❌ Baggage delay during return journey back to India
  • ❌ Baggage Loss where the items have been shipped separately or before your travel date
  • ❌ Missed flights due to known reasons before buying the policy.
  • ❌ Missed flights due to insufficient travel time to the departure point.
  • ❌ Participation in adventure sports
  • ❌ Travelled against the advice of your doctor
  • ❌ Travelled for medical treatment
  • ❌ Pre-existing medical conditions (unless specifically mentioned)
  • ❌ Self-inflicted injuries or sexually transmitted diseases
  • ❌ Mental or nervous disorders (unless specifically mentioned)
  • ❌ War or nuclear events

  For other exclusions please refer to the Tata AIG Student Insurance brochure.