Studying in an overseas university is a crucial opportunity for students. You can explore new lands, new cultures and new lifestyles during your spare time while abroad for studies. But you also should be aware that along with the opportunity there can be risk of accident or loss of sponsorship. People who are traveling abroad to pursue their studies can purchase TATA AIG StudentGuard insurance, which is exclusive designed to cover students for unanticipated emergencies abroad.
But wait a minute, before you set off, do answer some important questions.
|Sum Insured in US$||Plan A||Plan B||Ultimate|
|Accident & Sickness Medical Expenses Reimbursement||$50,000||$100,000||$250,000|
|Emergency Evacuation*||Up to Medical Expenses Sum Insured||Up to Medical Expenses Sum Insured||Up to Medical Expenses Sum Insured|
|Repatriation of Remains*||Up to Medical Expenses Sum Insured||Up to Medical Expenses Sum Insured||Up to Medical Expenses Sum Insured|
|AD & D 24 Hrs||$10,000||$25,000||$25,000|
|Felonious Assault (AD&D)||$5,000||$5,000||$25,000|
|Baggage Loss (CHECKED)||$500||$1,000||$2,000|
|Deductible||10% per item / 50% per baggage||10% per item / 50% per baggage||10% per item / 50% per baggage|
|Baggage Delay (After 12 hours only)#||--||$50||$150|
|Loss of Passport||$250||$250||$250|
|Campassionate Visit (2-Way)||$1,500||$5,000||$7,500|
|Maternity Benefit for termination of Pregnancy only||--||$500||$1,000|
|Treatment for Mental and Nervous Disorders : Including Alcholism and Drug Dependency||--||$500||$1,000|
|Cancer Screening and Mammography Examinations||$250||$500||$1,500|
|Red 24 Services||Included||Included||Included|
|Relocation Services (Applicable only for Students covered on 365 days Including Americas Plan)|
Any indinvidual, between sixteen (16) and thirty-five (35) years of age, enroll and attending a full-time registered educational institution of higher learning, outside Republic of India.
The insured person can only be covered under one such policy for the period.
Acts of war, terrorism, Participation in illegal acts, professional and/or competitive sports, pregnancy or childbirth except for termination of pregnancy, suicide or self inflicted injury, AIDS.
Any Pre-existing conditions or complications arising there from.
Any loss due to your engagement in any branch of armed forces or operating; acting as a crew member or an operator of any carrier; testing of any kind of conveyance; engagement in any kind of labor work; engagement in offshore or mining or aerial photography; handling explosives.
Also you are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc
For other exclusions please refer to the policy wordings.