Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

Tata AIG Student Guard Overseas Health Insurance Plan


TATA AIG General Insurance has designed Tata AIG Student Guard Overseas Health Insurance Plan to ensure that you have a comfortable stay while studying abroad. In a new place, it might become difficult to adjust to new environment, and if you happen to succumb to severe food poisoning there, you will be given a medical cover. You trip on a paved street and have some dental injury. Any personal or road accidental injury while doing city tour or visiting a fall. If you want 24*7 medical assistance facilities in a new country, TATA AIG student travel insurance policy would offer you the desired help.

Features of Tata AIG Student Guard Overseas Health Insurance Plan

  • Option to buy a Single trip or Annual trip  insurance plan
  • There is 15 days free-look period in Annual trip insurance plan
  • This Student health insurance plan also covers cancer screening and mammography test cost
  • Physiotherapy cost is also covered under this Tata AIG  Travel Insuranceplan

Why Choose Tata AIG Student Guard Overseas Health Insurance Plan?

  • Tata AIG Student travel insurance plan offers coverage for any pre-existing medical condition or any life-threatening  emergency arising out of any complications due to illnesses
  • Reimbursement for any accidental injuries or accidental death during the travel
  • Coverage for any unforeseen medical expenses arising out of any disease, bodily injuries and emergency dental treatment
  • Compensation for  emergency medical conveyance to a nearby hospital or treatment center
  • Repatriation expenses on transportation of mortal remains or body  to home country

 Tata AIG Student Guard Overseas Health Insurance Plan Eligibility Criteria

Tata AIG Student Travel Insurance Eligibility Criteria

Minimum Age

16 Years

Maximum Age

35 Years

Maximum Trip Duration

365 days


Tata AIG Student Guard Overseas Health Insurance Plan Coverage

In India, it might not be that costly, but medical treatments overseas are quite exorbitant. Not only medical expenses, even non-medical expenses like personal liabilities and baggage loss can cost you a bomb. Why repent later, when you have options to protect yourself against such situations with an international travel Insurance policy. You all need to pay a small sum of premium once a year and you get all the benefits in return as mentioned below:

Trip Delay Cover

Loss of Passport Cover

Flight Delay/Missed Connection Flight

Accidental Death and Disarmament

Medical Expenses Reimbursement in case of an accident or illness

Coverage for Pre-existing Conditions (life-threatening conditions only)

Ambulance Charges

Emergency Dental Treatment

Maternity Benefits

Physiotherapy Charges

Emergency medical evacuation cover

Repatriation of Remains

Sponsor Protection Cover

Checked Baggage Delay (after 12 hours only)

Checked Baggage Loss Cover

Personal Liability

Hijack Cash Benefit

Study interruption Cover

Child Care Benefits

Compassionate Visit by A Family Member( 2-Way) Visit

Bail Bond Benefit

Costs incurred on Cancer screening/Mammography

Fraudulent Charges(Payment Card Security)


Tata AIG Student Guard Overseas Health Insurance Plan Coverage Table

Tata AIG Student Travel Insurance Coverage Tata AIG Student Travel Insurance Plan A Tata AIG Student Travel Insurance Plan B Tata AIG Student Travel Insurance Ultimate Plan Tata AIG Student Travel Insurance Ultimate Plus Plan Tata AIG Student Travel Insurance Supreme Plan Deductibles
Cancer screening and mammography examinations2 USD 250 USD 500 USD 1,500 USD 2,500 USD 3,000 N/A
Loss of Passport USD 250 USD 250 USD 250 USD 250 USD 250 USD 30
Child care benefits USD 250 USD 500 USD 1000 USD 1250 USD 1500 N/A
Accidental Death and disarmament USD 10,000 USD 25,000 USD 25,000 USD 30,000 USD 50,000 N/A
Medical Expenses Reimbursement USD 50,000 USD 1,00,000 USD 2,50,000 USD 5,00,000 USD 5,00,000 USD 100
Coverage for Pre-existing Conditions ( if only it is life-threatening situation) USD 500 USD 1,000 USD 2,500 USD 5,000 USD 5,000 N/A
Ambulance Charges USD 250 USD 250 USD 250 USD 500 USD 500 N/A
Sickness Dental Relief USD 250 USD 300 USD 400 USD 500 USD 500 N/A
Maternity Benefit (Only Inpatient Treatment incl 1 month post Natal Cover) 10 months waiting period USD 500 USD 1,000 USD 2,000 USD 2,500 USD 3,000 N/A
Physiotherapy USD 500 USD 500 USD 500 USD 500 USD 500 N/A
Emergency Evacuation USD 5,000 USD 10,000 USD 15,000 USD 25,000 USD 25,000 N/A
Repatriation of Remains USD 2,500 USD 5,000 USD 7,500 USD 10,000 USD 10,000 N/A
Checked Baggage Delay (after 12 hours only) - USD 50 USD 150 USD 250 USD 250 N/A
Checked Baggage Loss* USD 500 USD 1,000 USD 2,000 USD 2,500 USD 2,500 N/A
Personal Liability USD 1 lakh USD 1 lakh USD 5 lakh USD 5 lakh USD 5 lakh USD 200
Hijack Cash Benefit 100 per day (Max 500) 100 per day (Max 500) 100 per day (Max 500) 100 per day (Max 500) 100 per day (Max 500) 1 Day
Study Interruption USD 7,500 USD 7,500 USD 15,000 USD 25,000 USD 25,000 N/A
Sponsor Protection USD 10,000 USD 10,000 USD 20,000 USD 25,000 USD 25,000 N/A
Compassionate Visit ( 2-Way) Visit USD 1,500 USD 5,000 USD 7,500 USD 10,000 USD 10,000 N/A
Bail Bond USD 500 USD 1,000 USD 5,000 USD 5,000 USD 5,000 N/A
Missed Connection/ Missed Departure USD 250 USD 500 USD 750 USD 1,000 USD 1,000 N/A
Trip Delay Cover 10 per 12 hr. (Max 100) 10 per 12 hr. (Max 100) 10 per 12 hr. (Max 100) 10 per 12 hr. (Max 100) 10 per 12 hr. (Max 100) 12 Hrs.
Fraudulent Charges(Payment Card Security) USD 500 USD 1000 USD 1500 USD 2000 USD 2000 N/A


Tata AIG Student Guard Overseas Health Insurance Plan Exclusions

Mentioned above were all the coverage, benefits and features of Tata AIG Student Guard Overseas Health Insurance plan. Here is a quick rundown of the limitations that are followed. The insurer will not compensate for claims arising due to the following reasons:

Loss of your baggage sent separately or within India

Loss of  passport due to confiscation by customs

Theft that is not reported within 24 hours

Missed connection flight due to a reason that was known before

Medical treatment that was not declared necessary by a medical practitioner

Study interruption cover is not provided in case of any loss resulting from routine physical check-up, cosmetic surgery or a trip taken for medical treatment


Tata AIG
 Student Travel Insurance FAQs

Q1. What is Compassion visit in Travel Insurance plan for students?

In case you need to visit your family back home due to hospitalization of a family member, then the insurer will reimburse the round-trip cost. In case the insured person is hospitalization for more than 7 days then the insurer will compensate the cost of visiting family member (if prescribed by the doctor).

Q2. What is Study Interruption Cover under this Tata AIG Student travel Insurance plan?

In case the policy holder is hospitalized for more than one month consecutively due to an illness or medical repatriation that makes it difficult for the insured person to continue his/her studies for which the tuition has been paid. The insurer shall compensate the already paid tuition to the educational institution up to the amount specified in the policy wordings.

Q3. Are pre-existing diseases covered by Tata AIG Student Guard Overseas Health Insurance plan?

Tata AIG Student Guard Overseas Health Insurance plan covers pre-existing diseases only if it is a life-threatening condition.

Q4. Can I buy separate baggage insurance plan for my trip?

Yes, you can checkout different baggage insurance plans online and buy one that offers maximum coverage benefits.

Written By: PolicyBazaar - Updated: 14 November 2019

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