Home
Student
Compare Plans
TATA AIG vs Care(Formerly Religare) Student insurance

TATA AIG vs Care(Formerly Religare) Student insurance

Compare TATA AIG vs Care(Formerly Religare) Student Insurace


Student Guard Plan A	Student Guard Plan B	Student Guard Ultimate	Student Supreme	Explore Plus	Explore Super	Explore Ultra

Accident & Sickness Medical Expenses
$50,000 Deductible: $100	$100,000 Deductible: $100	$250,000 Deductible: $100	$500,000 Deductible: $100	$50,000 Deductible: $100	$50,000 Deductible: $100	$50,000 Deductible: $100
Medical Evacuation
$5,000	$10,000	$15,000	$25,000	$7,500	Included under Medical Expenses	Included under Medical Expenses
Repatriation of Remains
$2,500	$5,000	$7,500	$10,000	$7,500	Included under Medical Expenses	Included under Medical Expenses
Accidental Death & Disablement
$10,000	$25,000	$25,000	$50,000	$15,000	$30,000	$30,000
Pre - existing conditions cover
$500	$1,000	$2,500	$5,000	Up to 10% of policy maximum Deductible: $100	Up to 10% of policy maximum Deductible: $100	Up to 10% of policy maximum Deductible: $100
Sickness Dental Relief
$250 Deductible: $100	$300 Deductible: $100	$400 Deductible: $100	$500 Deductible: $100	$250 Deductible: $50	$500 Deductible: $50	$750 Deductible: $50
Personal Liability
$100,000 Deductible: $200	$100,000 Deductible: $200	$100,000 Deductible: $200	$500,000 Deductible: $200	$100,000 Deductible: $200	$100,000 Deductible: $200	$100,000 Deductible: $200
Study Interruption
$7,500	$7,500	$15,000	$25,000	$7,500	$10,000	$15,000
Loss of Checked Baggage
$500	$1,000	$2,000	$2,500	$500	$1,000	$2,000
Loss of Passport
$250 Deductible: $30	$250 Deductible: $30	$250 Deductible: $30	$250 Deductible: $30	$150 Deductible: $50	$150 Deductible: $50	$200 Deductible: $50
Hijack Cash Benefit
$100 per day; Maximum $500 Deductible: 1 Day	$100 per day; Maximum $500 Deductible: 1 Day	$100 per day; Maximum $500 Deductible: 1 Day	$100 per day, Maximum $500 Deductible: 1 Day	Not Avaliable	Not Avaliable	Not Avaliable
Trip Delay
$10 per 12hrs, Max $100 Deductible: 12 hours	$10 per 12hrs, Max $100 Deductible: 12 hours	$10 per 12hrs, Max $100 Deductible: 12 hours	$10 per 12hrs, Max $100 Deductible: 12 hours	Not Avaliable	Not Avaliable	$200 Deductible: 12hrs
Missed Connection
$250 Deductible: $25	$500 Deductible: $50	$750	$1,000 Deductible: $100	Not Avaliable	Not Avaliable	Not Avaliable
Bail Bond Insurance
$500	$1,000	$5,000	$5,000	$500	$5,000	$5,000
Sponsor Protection
$10,000	$10,000	$20,000	$25,000	$10,000	$15,000	$15,000
Child care benefit
$250	$500	$1,000	$1,500	Not Avaliable	Not Avaliable	Not Avaliable
Physiotherapy
$500	$500	$500	$500	Not Avaliable	Not Avaliable	Not Avaliable
Cancer Screening and Mammography
$250	$500	$1,500	$3,000	Not Avaliable	$2,000	$4,000
Mental and Nervous disorders
Not Avaliable	Not Avaliable	Not Avaliable	Not Avaliable	Not Avaliable	$1,500	$3,000
Alcoholism and Drug Dependency
Not Avaliable	Not Avaliable	Not Avaliable	Not Avaliable	Not Avaliable	$1,500	$3,000

	TATA AIG	Care
Claims Settlement Ratio ^**	66.59%	61.24%
Number of Lives Covered ^*	827,689	267,698
Number of policies issued ^*	509,990	190,335
* As per IRDAI report for 2018-19 ** As per NL25 data published on the Insurance Company website

Compare TATA AIG international student health and Care(Formerly Religare) Student health insurance

Key features of TATA AIG

Full refund of premium if rejected by the university
Will help complete University Waiver form if required
Special approval possible for students already outside India
Offers coverage for Study Interruption, Sponsor protection, 2 way Compassionate visit
Premium paid in Indian rupees while coverage is in US dollars

Key features of Care(Formerly Religare)

Optional Covers like Maternity Cover, Pre-existing cover under life threatening situation, Adventure sports injury, HIV / AIDS cover, Vision care and self-inflicted injury.
Flexibility to choose your coverage.
Extended coverage in country of residency and coverage at home country.
Offers coverage for Bail Bond, Laptop / Tablet, Sponsor Protection.
It is a cheaper and affordable plan. There is no pre-policy medical check-up.

Student Insurance Partners

Student Travel Insurance
Insurance Companies offering student medical insurance
Student Travel Insurance is an insurance policy specifically designed for students travelling abroad on student visa to pursue their higher studies. The policy covers students who are enrolling in colleges, universities or institutes in a foreign country for professional/other academic courses. There are coverages specific to students that include Sponsor Protection, Compassionate Visit , Bail Bond and Study Interruption.
Coverages Offered Emergency Accident & Sickness Reimbursement Medical Evacuation Repatriation of Remains Treatment of Mental Disorders Cancer Screening and Mammography Maternity Coverage Study Interruption Sponsor Protection Missed Connection Compassionate Visit (2 way) Emergency Cash Advance	Policy Exclusions Travelling against the advice of a Physician Pre-existing Conditions Serving in any branch of the Naval, Military or Air Forces Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants Ionising radiation or contamination by radioactivity from any nuclear fuel External congenital anomalies Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing Ayurvedic, Homeopath or naturopathy treatments