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TATA AIG Student Medical Insurance
TATA AIG Student Travel Insurance Quote
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.
- Since you're going abroad, why don't you travel and see a bit more of the world too?
- Are you well protected against life's Unexpected surprises?
- What if your studies are interrupted due to circumstances beyond your control?
TATA AIG Student Insurance - Student Guard Benefits Details
Coverages |
|||
| Sum Insured in US$ | Plan A | Plan B | Ultimate |
| Accident & Sickness Medical Expenses Reimbursement | $50,000 | $100,000 | $250,000 |
| Deductible | $100 | $100 | $100 |
| 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 |
| Travel Inconvenience | |||
| 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 |
| Deductible | $30 | $30 | $30 |
| Personal Liability | $100,000 | $100,000 | $500,000 |
| Deductible | $200 | $200 | $200 |
| Study Interruption | $7,500 | $7,500 | $15,000 |
| Sponsor Protection | $10,000 | $10,000 | $20,000 |
| Campassionate Visit (2-Way) | $1,500 | $5,000 | $7,500 |
| Bail Bond | $500 | $1,000 | $5,000 |
| 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 |
| Assistance Services | Included | Included | Included |
| Relocation Services (Applicable only for Students covered on 365 days Including Americas Plan) | |||
* - Included under the overall limit of Accident & Services Medical Expenses Reinbursement.
# - Reinbursement of purchase of necessary personal effect, due to baggage delay overseas.
TATA AIG Student Insurance - Eligibility
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.
TATA AIG Student Insurance - Policy Coverage
Study Interruption
We'll 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, we'll reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.Accident and Sickness Medical Expenses
We 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.Compassionate Visit(2-way)*
Visit by Family Member: - If you are hospitalized for more than seven(7) consecutive days, we 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 hospitalisation 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 Guard Plus provides worldwide coverage against Accidental death and permanent Disablement whilst you are abroad, upto maximum limit shown in the Schedule of Benefits.Assistance Services
Our assistance team will be available around the clock for any assistance or referral services.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.*Condition Apply: Please refer to policy documents for terms and conditions.
Other benefits include: 24 hrs Wolrdwide Emergency Assistance Services, Emergency Medical Evacuation, Repatriation of Remains, Felonious Assault, Lost Luggage, Personal Liability Aboard, Accident and sickness Medical Coverage
All Rates, Tax Amounts & Total Gross Figs. Have been rounded to the Nearest Rs. Value.
TATA AIG Student Insurance - Key Exclusions
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.
