Tata AIG Student Travel Insurance for Studying Abroad
Tata AIG Student Travel Insurance provides comprehensive protection starting at ₹25/day for Indian students studying abroad, covering medical emergencies, study interruption, sponsor protection, and 24/7 worldwide assistance.
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What are the key features of Tata AIG student insurance?
- Covers sickness and accident medical expenses in overseas up to policy maximum
- Pay for TATA AIG Student Travel insurance in Indian Rupees and get coverage in US Dollars
- Also includes coverage for Study Interruption, Sponsor Protection, Compassionate Visit
- Full refund of premium if your university rejects this policy
- If required we facilitate signing and completion of University’s insurance waiver form
- Policies are available for 1, 2, and 3 years
- Plan benefit matches the university insurance requirements
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Why Choose Tata AIG Student Travel Insurance?
Studying outside India is an incredible opportunity. Popular destinations among Indians students are USA, UK, Canada, Ireland, Australia, Singapore, Germany or elsewhere. To study in the college of your choice and to explore new places, new culture is like a dream come true. However please be aware that this opportunity comes with unexpected risks like sudden sickness, injuries due to accident or loss of sponsorship while abroad. Tata AIG's Student travel insurance plan popularly known as Tata AIG travel insurance - Student is designed for Indian students studying overseas. This Tata AIG international student health insurance provides health insurance coverage as well as additional coverage for study interruption, sponsor protection, compassionate visit (2 way). These additional benefits are not available in typical international student health insurance plans when you buy locally in overseas.
How Much Does TATA AIG Student Travel Insurance Cost in 2026?
Tata AIG Student Travel Insurance premiums depends on your destination, policy duration and coverage amount. While policies are available for 1, 2, and 3 years, most Indian students initially purchase for 1-year and renew it later as per the student university requirements. The tables below show indicative premiums for popular student plans.
The cost of TATA AIG student insurance for students going to USA & Canada price ranges between ₹2,412 to ₹3,502 & for students other than USA & Canada price ranges between ₹1,051 to ₹1,598 for one month depending on the type of plan and policy maximum coverage.
| For students going to USA & Canada | |||
|---|---|---|---|
| Plan Name | Policy maximum | Cost for one 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 | ||
| For students Other than USA & Canada | |||
|---|---|---|---|
| Plan Name | Policy maximum | Cost for one 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 | ||
* The cost of student insurance for an Indian student aged 20 years.
How can I extend or renew my TATA AIG student insurance while outside India?
Indian students who want to extend or renew click hear and fill the form TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.
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
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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.
- 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
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- Accident and Sickness Medical Expenses
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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
- 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.
- The insured person can only be covered under one such policy for the period.
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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
🛡 Which Tata AIG Student Plan Should You Choose?
If the students have their university insurance requirements and make a mandatory requirement, then you have no choice and have to buy the university insurance at a huge cost.
However some of the universities are willing to accept Indian insurance policies, if they almost their insurance requirements. These plans are designed such that they satisfy university insurance requirements. Also Some universities also have a waiver form to be filled, which we can get it done for the students who buy through us.
If you're travelling Outside USA & Canada like Europe, UK, Middle East for studying abroad or to a country where cost of medical expenses is low. Then Plan A and Plan B might be suitable choices. Students going to the USA, Canada, or countries with high healthcare costs should consider Ultimate, Ultimate Plus, or Supreme for higher medical coverage and enhanced travel benefits. Compare coverage limits, deductibles, and student-specific benefits before selecting a plan
What Are The Advantages of TATA AIG International Student Insurance?
These are unique advantages of TATA AIG student travel insurance which is not available by international university insurance options:
Study InterruptionTATA AIG student insurance reimburses the semester fee if the student is not able to complete the studies due to a medical emergency.
Sponsor ProtectionIf the sponsor of the students education is fatally injured or left permanently disabled, the TATA AIG student insurance will help cover the tuition fees for the remainder of the course.
Pay for the insurance in Indian Rupees to get coverage In US DollarsWhen you buy the TATA AIG student travel insurance, your pay in Indian Rupees, but are covered in US Dollars. This makes the TATA AIG student medical insurance very affordable when compared to international student insurance options.
Who is Eligible for TATA AIG’s Student Insurance?
- Indian students between 16 to 35 years, enrolled and attending college as a full time student outside India are eligible.
- Student must be an Indian passport holder or could have a PIO/OCI card
- Student must be physically located in India at the time of purchase of the TATA AIG overseas student insurance policy.
- Only one policy must be bought for a particular period of time.
What Are The Advantages of TATA AIG Student Insurance Compared to University Insurance Plans?
- The TATA AIG student medical insurance are designed uniquely for Indian students studying outside India
- Indian student insurance plans are charged in Indian Rupees with coverage in US Dollars and are much cheaper (usually 20% to 25% of University plans)
- TATA AIG student health insurance provides coverage throughout the country and are not limited to the college campus
- TATA AIG student travel insurance also cover travel related expenses and health expenses far from University campus.
- TATA AIG student insurance also includes personal liability, sponsor protection, study interruption, baggage loss, trip delay, compassionate visit, repatriation of remains coverage.
What Are The Steps to Buy TATA AIG International Student Insurance?
- Find out from your University if they offer an University health insurance policy for international students.
- If they offer a plan, is it mandatory to buy that University plan, or do they allow other student insurance plans.
- If your university allowed to buy other student insurance, then you can compare student insurance plans offered by TATA
- Compare the TATA AIG student medical insurance plans with the University plan based on price as well as coverage benefits.
- Select the student health insurance plan that best fits your budget and needs.
- If you buy the TATA AIG international student insurance online, you will receive the policy documents by email.
- If applicable, we can complete the University insurance waiver form.
What Makes TATA AIG Student Plan Special?
- Full Refund: The full insurance premium will be refunded if your university rejects TATA AIG Student insurance.
- Waiver Form: We will help you in completing the University insurance waiver form if required.
- We help students already outside India buy student insurance by getting special approval from the underwriters.
- Students can buy TATA AIG Student overseas health insurance plan online anytime, anywhere.
- The TATA AIG Student proposal form can be filled and the policy can be bought online easily.
- We help students buy TATA AIG student by getting approval if they currently have a different policy.
- TATA AIG Student policy includes Accident & Sickness Reimbursement and Personal Accident cover.
- Study interruption, sponsor protection, compassionate travel benefits for students
- It is the best student travel insurance as you pay in Indian rupees and receive coverage in US Dollars.
TATA AIG Student Travel Insurance India - Useful Links
Download TATA AIG student travel brochure online.
Students already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
Download TATA AIG student travel insurance wordings online.
In case of Claim or reimbursement of treatment expenses, notify TATA AIG toll free and helpline.
Get all the answers to the most frequently asked questions (FAQs) regarding student travel medical insurance offered by TATA AIG.
Students can renew their existing policy online before the exipry date at any time.
Useful discussions and forum entries for best international TATA AIG international student insurance.
List of some of the Universities whose students have purchased TATA AIG student health insurance in the past.
Compare TATA AIG student health insurance plans.
Frequently Asked Questions About Tata AIG Student Travel Insurance
The Tata AIG student travel insurance is the best health insurance for studying abroad. Tata AIG’s student overseas health insurance plans are popular given the they are priced in Indian Rupees buy provide medical coverage in US Dollars and are hence only 20 to 25% the cost on University plans.
The TATA AIG student insurance provide travel insurance coverage for the travel from India and back to India, unlike the University insurance which is limited to coverage in the University itself. The University insurance is also limited for any travel far away from the campus.
That depends on the country of travel and the University rules. Most US Universities insist on student travel insurance and this is true for most European countries as well. Irrespective of whether it is mandatory, given the cost of an international university education, and the cost of travel, the cost of Indian student travel insurance is very small and is invaluable given the value it provides while traveling and studying in a foreign university. Indian students going overseas can buy Tata AIG student travel insurance online.
Yes, there are many universities in countries for example Ireland, USA, Canada, Europe who are willing to accept Tata AIG student health insurance provided they have to satisfy their list of insurance requirements. Student should collect the insurance requirements and match the benefits with the Tata AIG student plan. Then they can purchase any plan which suites to their university insurance requirements.
Some universities may even ask waiver form to be filled in by the Indian insurance provider. Our experts are always available to help you to the select the best plan and get the waiver form signed (if required)
Tata AIG student travel insurance plans are designed keeping in mind overseas university requirements for Indian students. Benefits covered in Tata AIG student health insurance plan are
- Cashless hospitalization medical expenses for sickness and accidents up to $500,000
- Covers covid-19 as any medical expenses up to policy maximum
- Covers the doctor visits due to illness
- Covers emergency medical evacuation, repatriation of remains.
- Covers other benefits like dental care, pre-existing conditions cover, maternity benefit and more
No, you cannot buy the student insurance if your child is already outside India. Please fill the simple student outside India form and get in touch with us. Our experts may assist you in getting a siutable plan for your child.
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.
In circumstances where the student is hospitalised for over a month or cannot continue education due to a covered illness or injury, the student travel insurance will reimburse the student for any tuition fees that are already paid to the educational institution.
Student travel insurance is strongly recommended even if the students is traveling to a country where student travel insurance is not mandatory. Given the benefits of having student travel insurance, it is strongly advised to buy TATA AIG student insurance.
International students are not required to produce proof of student insurance for their F1 visa and there is no US government insurance requirements for studying in the US. However, very often US universities insist of student insurance requirements. It is however strongly advised to buy TATA AIG student insurance given the benefits of good student travel insurance.
Even if not mandated by any authorities, good medical travel insurance plan can protect the student while outside India. Student medical insurance takes care of hospital related costs, medicine expenses and costs related to an emergency surgery
In the U.S., access to low-cost or public health care is very limited, and international students typically are not eligible for most programs. Experts say students should contact universities about their specific policies, which can vary widely.
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