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.
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