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    Student Guard - Overseas Health Insurance Plan

    Studies can be a fulltime job, and even more so when you are in a foreign country. So why add health and travel worries to your already long list of things to focus on. Let us take care of them so you can focus on your studies.

     

    At Tata AIG General Insurance Company Limited, journey is as important as the destination.

     

    UIN:TATTIOP07004V010607

    TAGIC/WebApp/SG/Mar 17/02      Ver1/ All

    Have Us Call You!
    Or You Can Contact Us on Our Toll Free No 1800 266 7780

    • Features that make it the #RightInsurance

      To make your journey and stay as easy and carefree as possible, we will

      • Baggage loss (common carrier) - Pay compensation if your entire piece of checked-in baggage is permanently lost while in care, custody of a common carrier, subject to the deductible and up to the maximum shown in the policy schedule, for the cost of replacement of the entire baggage and its contents.

      • Baggage delay - Reimburse the cost of necessary personal effects if your checked-in baggage is delayed or misdirected by a common carrier for more than the deductible shown on the policy from the time you arrive at the destination stated on your ticket

      • Loss of passport - If you lose your passport and incur necessary and reasonable expenses in connection with obtaining a duplicate or new passport up to the maximum stated in the Policy Schedule 

      • Hijack cash benefit - Pay you a distress allowance as shown in the policy schedule for every 24 hour period during which any common carrier in which you are traveling has been hijacked, where as a direct consequence, your trip has been disrupted up to a maximum amount stated in the policy schedule subject to any applicable deductible.

      • Missed connections / missed departure - We will reimburse reasonable additional expenses due to missed connections, or missed departure by your scheduled airline, on your onward / return journey, subject to the maximum shown in the policy schedule, if the missed connection / departure is due to a covered hazard during the course of an insured journey.

      • Trip delay - We will reimburse reasonable additional expenses for trip delay, subject to the maximum shown in the policy schedule, if your trip is delayed for more than 12 hours due to a covered hazard 

      • Personal liability - Pay up to the sum mentioned in the policy, if you become legally liable to pay for any property damage or the necessary medical expenses that are incurred or medically ascertained within one year from the date of an Accident causing Bodily Injury.

      • Fraudulent charges (payment card security) - If your payment card as specified in the schedule is lost or stolen, we will reimburse the unauthorized charges that you are responsible for on your lost or stolen payment card, up to 12 hours prior to your first reporting the event to your payment card issuer(s).

         

        For complete list of detailed benefits, please refer policy wordings

    • Medical benefits you should not miss out on

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      • Accident and sickness medical expense - We will pay the Reasonable and Customary Charges for Covered Medical Expenses incurred overseas by You up to the maximum stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by You while this Policy is in effect.

      • Accidental death and dismemberment (including felonious assualt) - We will pay a percentage of the Principal Sum shown in the Policy Schedule if Injury to You results in one of the losses shown in the Table of Losses available in the policy wordings. The loss must occur within 365 Days from the date of the Accident which caused Injury.

      • Repatriation of remains - We will pay benefits for the expenses incurred to transport your body from the place of death to India. All Repatriation of Remains arrangements must be approved in advance by Assistance Company.

      • Compassion visit - We also care about your family back home so in case of an unfortunate event or hospitalisation of a family member, we will cover the cost of your round-trip air ticket. 

        In the event the Insured Person is Hospitalized for more than Seven (7) consecutive days, and his medical condition forbids his repatriation and no adult member of his immediate family is present, the Assistance Company , will provide a round trip economy class air ticket, or first class railway ticket, to allow the Immediate Family Member be at his bedside for the duration of his stay in the hospital. 

      • Study interruption - In the event of Hospitalization of the insured person of more than one consecutive month from either a covered Injury or Sickness or in the case of Terminal Sickness or in the case of a medical repatriation or in case of the death of an immediate family member, which prohibits the Insured Person from continuing his/her studies for the remaining part of a school semester for which Tuition has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the educational institution, up to the amount stated in the Policy Schedule.

      • Sponsor protection - In the event of injury to the Insured Person’s Sponsor as stated in the Enrolment Form resulting in Death or Permanent Disablement as defined in this Policy, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education upto the maximum limit stated in the Schedule of benefits

         

        For complete list of detailed benefits, please refer policy wordings

    • Situations in which the policy won’t work

      Policy doesn’t apply if

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      • Baggage loss (common carrier) - Loss of your baggage sent in advance or souvenirs or articles mailed or shipped separately.

      • Baggage delay - Any baggage delay while in India is not covered under this policy.

      • Loss of passport - due to delay or from confiscation or detention by customs, police or other authority. Theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained.

      • Trip delay - Flight delay due to an insured Covered Hazard which was made public or known to You prior to the purchase of this Policy.

      • Missed connections / missed departure - Missed connections due to an Covered Hazard which was made public or known to You prior to the purchase of this Policy and your failure to allow sufficient time to get to the departure point.

        Expenses that you would have incurred during the normal course of your trip would not be covered under missed connections / missed departure

      • Personal liability - Liability which is expected by or intended by you. liability arising out of or in connection with a business engaged in by you, ascertained within one year from the date of an Accident causing Bodily Injury.

      • Fraudulent charges (payment card security) - Charges made on your lost or stolen payment card more than 12 hours prior to your first reporting the event to your payment card issuer(s)

      • Accidental and sickness medical expense - services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved, and certified as Medically Necessary by a Physician.

      • Accidental death and dismemberment (including felonious assualt) - Medical or surgical treatment except as may be necessary solely as a result of injury

      • Study interruption - With respect to this Section of Study Interruption, this Policy does not cover any loss, fatal or non-fatal, directly or indirectly, in whole or in part, caused by or resulting from: a) Routine physical check-up and/or any related thereto; b) A trip, the purpose of which was to obtain medical care c) Cosmetic or plastic surgery except as a result of an accident

      • Sponsor protection - An insured person cannot claim under Study interruption and Sponsor Protection for the same event.

         

         

        For complete list of detailed exclusions & conditions, please refer policy wordings.





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    2008, Tata AIG General Insurance Company Limited, all rights reserved.

    Registered Office : Peninsula Business Park, Tower A, 15thFloor, G.K.Marg, Lower Parel, Mumbai-400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425.

    Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation.

    For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

    Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id –customersupport@tata-aig.com. Fax Number – 022 66938170