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Tata AIG Student Insurance

Studying abroad is an opportunity twice over. To learn in the college of your choice, and to use free time exploring new lands, new cultures. But remember,with this opportunity comes the risk of an accident or loss of sponsorship. Tata AIG's new Student Guard Plus plan is designed for people traveling abroad for studies

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 case of death or permanent disablement of your sponsor, we'll reimburse your remaining school fees up to a specified maximum limit.

Accident Medical Expenses:
On accidental injury, we´ll reimburse your actual hospitalisation cost or outpatient treatment incurred overseas, within 90 days from the date of the accident, up to a specified maximum limit.

Compassionate Visit (2-Way):
If you are hospitalised for more than seven consecutive days, we´ll cover the cost of the round trip economy class air ticket and accommodation expenses so an immediate family member can be with you.

Visit by student:
In case of death or hospitalisation of parent (s) / spouse / child (ren) for more than seven consecutive days, we'll cover the cost of the round trip economy class air ticket.

Personal Accident:
StudentGuard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

Additional Features
•  24 hrs. Worldwide Emergency Assistance Service
•  Emergency Medical Evacuation
•  Repatriation of remains
•  Felonious assault
•  Lost luggage
•  Personal Liability abroad
•  Accident and Sickness Medical Reimbursement

Some of the new benefits that have been added this year include:

Maternity Benefits for Termination of Pregnancy:
Medical expenses related to termination of pregnancy are covered subject to maximum limits provided in the schedule of benefits, subject to a waiting period of ten months, from the effective date of policy.

Mental & Nervous Disorders:
Medical expenses related to treatment for mental and nervous disorders on recommendation of a physician, including alcoholism and drug dependency are covered in the schedule of benefits.

Cancer Screening and Mammography:
Medical expenses related to cancer screening and Mammography examination on recommendation from a physician are covered subject to the maximum limits provided as per the schedule of benefits.

Red 24 Service:
Red 24 is a unique global security service providing advice to help individuals avoid and manage personal risks for themselves and their families.

They are more of an advanced information bureau, who pro actively advice customers about potential risks in and around the country.

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
The coverage, terms & exclusions have been outlined briefly; kindly refer the policy wordings for complete details.

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