Study Interruption Protection
Protection For Sponsors
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Student Travel Insurance With COVID-19 Covered*
Follow Your Dreams, Safely!
Every year, thousands of young Indians decide to leave the nest while pursuing their education. You might want to travel to America, Germany or the UK to follow your passion and get the education you want. But, studying abroad can be expensive. Apart from your tuition fee and cost of living, it’s entirely possible that a sickness or unpredictable situation ends up burning a massive hole in your pocket. To keep you and your family’s finances safe, it’s always best to get student travel insurance before heading off to broaden your mind.
TATA AIG’s student travel insurance plan has been built keeping the unique needs of every student in mind. Apart from providing cover against lost baggage and medical emergencies, like other travel insurance policies, your student travel insurance plan will also reimburse you if you’re forced to interrupt your studies due to a medical emergency. What’s more, our plans can be customised so you only pay for the days when you’re out of India instead of for the whole year.
Offering safety, security and care-free travel, a student travel insurance policy is a must-have in every Indian student’s carry-on!
*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply
Features Of TATA AIG Student Travel Insurance
Your International Student Travel Insurance Policy Provides You With Safety And Comfort While You’re Studying Abroad. Here’s A Look At The Features You Can Enjoy When You Purchase A TATA AIG Overseas Student Travel Insurance Plan:
Cover For Accidents And Illnesses
Cover For Accidents And Illnesses
Falling sick is always a terrible experience, but falling ill abroad is overwhelming. Our policy will help take care of the costs associated with getting treatment when you’re ill. But that isn’t all. An accident could lead to a short hospitalisation or end up being fatal. Whatever happens, our international student travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our student travel insurance policy will even provide cover for emergency dental services, if required.
Compassionate Visits
Compassionate Visits
Being away from your family can be difficult, especially when somebody’s sick. If you’re hospitalised for more than seven consecutive days, your student travel insurance policy will help look after the cost of having a family member fly down to be with you. If a family member is ill back home and has been hospitalised for more than seven consecutive days, your travel insurance policy will help you cover the cost of flying down to be with them.
Study Interruption
Study Interruption
There are a number of difficult situations that you might have to deal with while studying abroad. You could end up terminally ill or have to be hospitalised for treatment for more than a month. You might not want to think about it, but a family member may pass away, requiring you to travel back home immediately. If you end up unable to complete a semester for which you’ve already paid due to these unfortunate circumstances, your student travel insurance policy will help reimburse you for unused tuition fee.
Travel Assistance
Travel Assistance
Studying in a foreign country and experiencing the culture can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or how to go about applying for a new passport if yours is lost or stolen, our international student travel insurance plan will be there for you.
Hijack Cover
Hijack Cover
If you’re the victim of a hijacking, our international travel insurance policy will provide you with distress allowance. We know it can’t make up for the trauma you experience, but we hope it helps.
Personal Liability
Personal Liability
If you’re involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our student travel insurance policy will help take care of the cost of necessary medical expenses or repairs.
Baggage Loss or Delay
Baggage Loss or Delay
If your bag is stolen, lost or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our overseas student travel insurance policy will help you deal with the cost of purchasing necessary personal items or reimburse you for the cost of your lost luggage.
Advantages Of TATA AIG International Student Travel Insurance
1
Study Interruption
We’ll reimburse your semester fee if you’re unable to continue your studies due to a medical emergency.
2
Sponsor Protection
If your sponsor is fatally injured or left permanently disabled, your student travel insurance policy will help take care of your tuition fees for the remainder of your course.
3
Pay In Rupees Get Cover In Dollars
When you opt for a student travel insurance policy, your premiums are in Indian Rupees, but you’re covered in USD. So, you can rest easy knowing you’ll get the cover you need at an affordable cost.
4
Affordable Policies
Our student travel insurance policies start at just INR 41.33 per day! That’s a small price to pay for care-free semesters abroad!
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What’s Covered Under TATA AIG International Student Travel Insurance?
Our Overseas Travel Insurance Policy Will Help You Take Care Of A Number Of Situations!
COVID-19 Covers
Accident & Sickness Medical Expense
Under the Accident & Sickness Medical Expense, Student travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.
Baggage Covers
Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:
Delayed Checked-In Baggage
Almost everybody has a story about a time when they travelled and their luggage was unnecessarily delayed. If this happens and you have our student travel insurance policy, you can rest easy. Your overseas student travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.
Lost Checked-In Baggage
Having your bag delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our student travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.
Journey Covers
Travelling to study abroad can be an exhilarating experience. You can enjoy stress-free semesters abroad with our travel insurance policy that will provide cover for:
Sponsor Protection
We understand that an unfortunate accident could mean that your sponsor, or the person who helps pay for your fees, is no longer able to do so. This can leave you in an uncertain position and may force you to withdraw from your course. With our student travel insurance policy, you don’t have to worry. We’ll help you pay the tuition for the rest of your course so you can continue to follow your dreams.
Lost Passport
Obtaining a new passport in a foreign country isn’t always easy. Your international student travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.
Missed Flights
Bad weather, a strike of some kind or equipment failure could mean that you miss your departure or connecting flights. If this is the case, you don’t have to worry. Our international student travel insurance policy will help you deal with any additional expenses you may incur while trying to get home.
Hijack Help
Our international student travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.
Personal Liability
Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our overseas student travel insurance policy will help cover damage caused to any third-party individual or property while you’re abroad.
Fraudulent Charges
Most often, our loved ones will tell us to be careful with our belongings while travelling abroad. In case your cards are stolen or used to make unauthorised purchases, our student travel insurance policy will reimburse you for the fraudulent charges, as long as you report the issue within 12 hours of the event.
Bail Bond
If you’re wrongfully detained or arrested by a foreign government, your student travel insurance plan will help you pay for the bail bond.
Medical Covers
We can’t think of anything worse than having to get emergency medical treatment while you’re abroad. Luckily, our overseas student travel insurance plan will help you deal with:
Medical Emergencies
Your international student travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re abroad. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities.
Emergency Evacuation
If the company providing assistance feels that you need to be moved to another location or return to India for better medical treatment, your student travel insurance policy will help cover the cost of such a journey.
Continuing Treatment
Your student travel insurance policy will help take care of medical expenses that arise due to an injury or illness for which a successful and valid claim has already been settled.
Accidental Death and Repatriation
We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s international student travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to India.
Study Interruption
If you happen to be hospitalised for more than a month due to a covered illness or injury, or have to travel back to India because a family member is ill or passes away, you don’t have to worry about losing out on your tuition fee. Your student travel insurance policy will help reimburse you for any unused tuition if you have to interrupt your studies.
Compassionate Visit
If you’re hospitalised for over seven consecutive days and cannot be repatriated back to India, we’ll take care of the cost of having an adult family member travel to you and help look after you.
Maternity Benefit
After a waiting period of 10 months, your international student travel insurance policy will help you take care of in-patient maternity treatment costs as well as the cost of one month of post-natal care.
Childcare Benefits
Looking after an infant is difficult. If your child is between the ages of 7 and 90 days and is hospitalised for two or more days, we’ll help you deal with the costs.
Cancer Screening
Your health is always our topmost priority. While you’re studying abroad, we’ll help cover the cost of any cancer screening or mammography exams if a qualified physician recommends the tests. If these tests are part of a routine check-up, we won’t be able to cover the cost.
Physiotherapy
The cost of any medically necessary physiotherapy that you require after an accident will be taken care of by your student travel insurance policy.
*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.
What’s Not Covered By TATA AIG's Student Travel Insurance Plans?
Unfortunately, Some Things Are Out Of Our Hands. Here’s A Look At A Few Situations Where We’ll Be Unable To Help:
Journey Exclusions
- If your flight is delayed due to a reason that you were already aware of before you purchased the policy, we will not be able to help.
- Participation in adventure sports, like skydiving, scuba diving, or mountain climbing will not be covered under our international student travel insurance plans.
- We will not entertain refund requests if you’ve missed your flight due to a local protest or agitation.
- Any losses experienced while drunk or under the influence of other drugs will not be covered.
- If you cancel your trip because a pet is ill or passes away, your student travel insurance policy will not cover the cost of cancellation or refunds. Instead, you can reschedule your trip and travel once you’re ready.
Medical Exclusions
- If you have travelled against the advice of your doctor, we will not be able to provide you with overseas student travel insurance cover.
- If you suffer from a complication or require assistance due to a pre-existing health condition, the medical bills will not be covered.
- Damages or loss caused by a nuclear reaction, radiation, radioactive contamination or through the dispersal of pathogenic or poisonous materials will not be covered.
- Any injuries sustained while serving as a member of the armed forces will not be covered.
- The medical costs of dealing with self-inflicted injuries, sexually-transmitted diseases, and mental or nervous disorders will not be covered.
- Any treatment required due to injuries sustained under the influence of alcohol, drugs, hallucinogens or other intoxicants will not be covered.
Baggage Exclusions
- Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
- We cannot provide cover if your baggage is delayed while you’re in India while you’re leaving for your trip or once you return.
When Is Student Travel Insurance Required?
Deciding to go abroad to further your education is not an easy decision to make. As a student, you’ll likely be travelling and living alone in a foreign country for the first time in your life. You may not have any family or support where you’re heading. As a parent, letting your child leave the nest and move to a foreign country is a scary thought. You won’t be there to help take care of them and any number of things could go wrong. This is precisely why student travel insurance is a must. Let’s take a look at a few instances in which a good overseas student travel insurance policy will come in handy:
For Admission
Depending on where you’re headed, you may have to purchase a travel insurance policy to get the requisite visa and confirm your seat in your chosen college. Several educational institutions today require students to have student travel insurance so that they’re safeguarded from all kinds of issues in the future.
In Medical Emergencies
Getting quality medical treatment in a foreign country could lead to hefty medical bills. Often, students may not be able to get the healthcare they need without a good insurance policy. This is why student travel insurance is so crucial. It will help you get the quality treatment you need in case of an emergency. The policy will look after the cost, leaving you free to focus on your health.
When You Need Family
Some medical issues are more serious than others. If you’re sick or injured and hospitalised for over a week, we’re sure you don’t want to weather that storm alone. With a student travel insurance plan, you won’t have to. The policy will ensure that a family member can come and be with you until you’re discharged. The reverse is also true. If a family member is hospitalised for a long time and you need to be with them, your student travel insurance policy will pay for you to go home.
When Your Studies Are Interrupted
We may not want to think about it, but it’s entirely possible that a critical or terminal illness may need you to be hospitalised for over a month. In more severe cases, you may have to suspend your course entirely. Since you pay the fee for the entire semester in advance, you could end up losing money while dealing with a difficult time. When you have a student travel insurance plan, you won’t have to worry about losing out on the fees you’ve paid. We’ll reimburse you for the fee you’ve paid in advance.
Self Service Options
Service request
Make changes to your policy & update your contact details.
Service request:
Make changes to your policy & update your contact details.
Documents
Print policy document and view renewal notice
Documents:
Print policy document and view renewal notice
Did Not Find What You Were Looking For?
Frequently Asked Questions
What is a free-look period?
The free-look period is a 15-day buffer during which you can go through all the policy documents and decide to cancel the policy without having to pay a cancellation fee. The period starts on the day the policy papers are received by the insured individual.
What is evacuation and repatriation coverage?
Evacuation and repatriation coverage is helpful in times of medical and fatal emergencies. Under this cover, our international student travel insurance policy will help take care of the cost of using medically-equipped flights to transport the injured individual or repatriate the mortal remains of the insured back to India.
Is there an age limit for the student travel insurance policy?
Yes. To be eligible to purchase a student travel insurance policy, the insured must be between the ages of 16 and 35.
What situations will be covered under compassionate travel?
There are only two circumstances in which compassionate travel is allowed. If you are unwell and hospitalised for over seven consecutive days and a family member needs to visit you, it will be compassionate travel. If your parent, spouse or child is hospitalised back home for over seven consecutive days or if one of them passes away, that will also be covered.
What happens if I fall ill and am unable to continue with my studies?
In situations where you need to be hospitalised for over a month or cannot continue your education due to a covered illness or injury, your student travel insurance policy will reimburse you for any tuition fees that you’ve already paid to the educational institution.
Will I get cover for pre-existing illnesses?
Sorry, no, your student travel insurance policy will not cover the costs associated with treatment of a pre-existing illness unless it’s a life-threatening situation.
Does my policy cover dental treatment?
Absolutely! If you require a dental surgery to treat acute pain from a sound natural tooth, your policy will help take care of the cost.
What happens if my claim is rejected?
There are a number of situations in which claims against your overseas student travel insurance policy might be rejected. If this happens, we will inform you of the reason why your travel insurance claim has been rejected. You are free to raise another ticket if you’d like us to revaluate our decision.
How do I raise a claim against my student travel insurance policy?
To make a claim quickly, you can call the helpline number 1 800 266 7780 or send an SMS to 5616181. If you’ve purchased your policy through an agent, you could also call them and inform them about the claim. Make sure you have your policy number on hand for a smooth claims journey.
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