Student Travel Insurance (COVID - 19 Covered*)Let’s get you started on your student travel insurance journey!
Every year, just like thousands of Indian students, you might travel to the US, the UK, Germany, and other countries to pursue higher education. Notably, some of the most desirable destinations for education are also some of the most expensive. Apart from all the budgeted expenses, you may incur some unpredictable ones too.
To ensure that such expenses do not burn a hole in your pocket, and disrupt your higher education dreams, opt for special travel insurance policies available to students.
A standard travel insurance policy will take care of all that could go wrong during your trip. From lost baggage to a health emergency, your travel insurance would have you covered. As a student travelling abroad for your education, you might have a completely different set of worries. Opting for a student travel policy is sure to address your unique needs and concerns. Besides, our student travel insurance policy lets you choose the plan depending on your course duration, i.e., pay only for the total number of days you will spend abroad and not the entire year.
*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply
What's Covered In Tata AIG Travel Insurance
Checked Baggage Loss: If your carrier misplace, held in the care, custody and control of a Common Carrier, due to theft or due to misdirection by a Common Carrier or due to non-delivery at its destination.
Checked Baggage Delay: Tata AIG will also reimburse the cost of your expense of necessary personal effects for more than the deductible if delayed or misdirected by your carrier. Check the terms and conditions of your policy.
Sponsor protection: We understand that due to Death or Permanent Disablement as defined in this policy caused to your enrolled sponsor (someone who pays your tuition fees), you may be left in a position of uncertainty. In these circumstances, Tata AIG 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.
Missed Connections / Missed Departure: We will reimburse reasonable additional expenses due to a missed connection or departure by your scheduled airline on your return. This is subject to a maximum stated in the policy.
Fraudulent Charges (Payment Card Security): If your payment card is lost or stolen, we will reimbursethe unauthorized charges up to 12 hours prior to the first reporting the event to the payment card issuer(s)
Personal liability: Covers damages for claims legally filed on insured against property damage and medical expenses to others as a result of bodily injury caused by insured in an accident.
Hijack cash benefit: Should your travel plans be disrupted by the hijack of any common carrier, Tata AIG will compensate distress allowance if insured’s common carrier has been hijacked.
Loss of passport: In case your passport is stolen or misplaced, assisting the insured by contacting appropriate authorities and provide directions for replacement
Bail bond: In case you are wrongfully arrested or detained by a foreign government, we will pay for the bail bond incurred, up to the amount stated in the policy.
Accident & Sickness Medical Expenses Reimbursement: Medical expenses are reimbursed subject to the deductibles and up to a maximum amount per disease / illness / injury sum insured, as mentioned in the Policy Schedule or the
Accidental death and dismemberment 24 Hours:
- If the insured is injured during an insured journey and the accident leads to disablement, Tata AIG will pay a percentage of the principal sum insured as shown in the Policy Schedule.
- The loss must occur within 365 Days from the date of the accident which caused injury.
- If more than one loss results from any one Accident, only one amount, the largest, will be paid.
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.
Compassionate visit: 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
Repatriation of remains: In case of insured's person’s demise, necessary arrangements are made to carry his remains to India. The date of demise should be within the contract dates of the policy as mentioned in the Service Agreement.
Maternity benefit: You can avail inpatient treatment and 1-month postnatal cover under this benefit, after a waiting period of 10 months.
Maternity Benefit: (Only Inpatient Treatment incl 1 month post Natal Cover) - Waiting Period -10 Months
Cancer screening and mammography examinations: Medical expenses related to cancer screening and mammographies are covered, subject to a recommendation by a physician. However, it will not be covered if it is done as part of a preventive health check-up.
Physiotherapy: Physiotherapy treatment to an accident is covered, up to the amount stated in the policy document.
Sickness Dental Relief:
- If the insurer requires immediate dental treatment during his insured journey, Tata AIG will pay reasonable and customary charges for such treatment subject to the deductibles shown in the Policy Schedule.
- Dental benefits will include teeth filling or surgical treatment, services or supplies subject to per tooth and per occurrence up to the maximum amounts as shown in the Policy Schedule.
- Dental benefits shall be limited to treatment sustained to sound natural teeth.
- ‘Covered emergency dental expenses’ refer to the dental expenses incurred during the insured journey and within 30 days of the first treatment.
Childcare benefits: If your child is between 7-90 days and is hospitalised for two days or more due to an ailment, we will reimburse you based on the terms stated in the policy.
Continuing treatment: We will also pay for your continuing Medical Expenses which relate to the same injury or Sickness for which a valid claim has been paid under section 2 Medical Expenses
Emergency Evacuation: When, in the opinion of the Assistance Company's medical panel, it is judged medically appropriate to move You to another location for better treatment or return You to India, the Assistance Company will arrange the evacuation.
What's Not Covered
Forewarned is forearmed. It’s always better to know all the probable exclusions from your travel insurance policy. This way, you can plan your overseas and domestic travel better.
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.
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.
Adventure activities Our student travel guard will exclude claims arising from high-risk activities such as rock climbing, scuba diving, paragliding, etc.
Death or illness of a pet If you cancel your trip because your pet has fallen ill or died, we might turn down your claim. Please reschedule your travel plans once your pet has recovered.
Losses arising from intoxicated behaviour Losing your belongings while being drunk or under the influence of drugs might entail forfeit of your claim for a refund. We are within rights to investigate your mental condition when your loss happened.
Local agitations and protests If you miss your flight because of a local protest or agitation and ask for a refund, we might turn down your claim. To be safe, do not plan a trip to politically unstable countries.
Pre-existing medical conditions We might deny you a travel insurance policy if you suffer from a pre-existing condition. However, you might get a special extension in case of a life-threatening emergency. In such a case, the treatment for any emergency measures will be paid until you are stable or relieved from severe pain.
Losses sustained during a nuclear attack or radiation leak Any injuries or disorders caused due to radioactive equipment or nuclear exposure are not treated the same way as regular illnesses, and you won’t find any relaxation in terms of financial aid.
Self-harm There is no compensation for injuries inflicted upon oneself or from suicide attempts. Please read the policy papers to get an understanding of all the conditions that are excluded from coverage.
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Frequently Asked Question
What is the free-look period in travel insurance?
The ‘free-look’ period in travel insurance implies that the buyer gets a specified number of days to review the terms and conditions of the plan. Tata AIG Travel Insurance plans come with a free-look period of 15 days for the multi-trip policy. However, the single-trip policy does not come with a free-look period.
What is evacuation and reparation coverage?
Evacuation and reparation coverage under travel insurance extends the facilities for medical evacuation in the event of a medical emergency. It comes with facilities such as medically equipped return flights and the reparation of mortal remains back to the family in the event of death.
How to raise a claim for student travel insurance
In case you ever need to make a claim, the process is simple and easy to follow. You can call us on our helpline number 1800-266-7780 or send an SMS to 5616181 to inform us about the situation and start your claim process. Alternatively, you can reach out to your insurance agent to file a claim. For further assistance, you can contact the numbers provided in your insurance document.
However, the quickest way would be to make a claim online. Fill out the claim settlement form available on our website to register a claim by yourself. You can expect a response to your application within the next 24-48 hours.
- Please keep your policy number saved in a place where you can always access it. Without a policy number, we may not be able to process your claim.
- Make sure you save a copy of all relevant travel documents such as your flight and hotel bookings, passport and visa details, bank statements, etc. as you might be required to present them at the time of claim.
- Please coordinate with the customer service desk to expedite your claim settlement.
- Before making a claim, please check if you have all the documents that may be needed and verify whether the situation at hand isn’t listed in the exclusions. Your claim would only be entertained as per the inclusion clauses
- It may take us up to seven working days to process the claim and reimburse you, as long as we have received all the documents. Your patience is highly appreciated, and we hope you have a wonderful trip!