TATA Student Travel
General Insurance Company Limited
Tata AIG General Insurance Company Limited is a joint venture between Tata Group and American International Group (AIG).The company offers a range of general insurance covers for businesses and individuals and has a comprehensive range of general insurance products for Liability, Marine Cargo, Personal Accident, Travel, Rural-Agriculture Insurance, Extended Warranty etc. Each product offering is backed by professional expertise. Tata AIG General Insurance Company Limited has an asset base of approximate 0.6 billion USD.
Toll Free - 1800 266 7780
TATA AIG Student Guard is a policy that covers students against any uncertainties that could interrupt their education. It’s a comprehensive policy that assist you in case of health risks, accidents & loss of sponsorship when you travel abroad and also family emergencies back home.
Unique Features of TATA Student Travel
Cover for study interruption, compassionate visit & sponsor protection
Relocation Support Program for the 365 day (including Americas) option
Treatment for mental and nervous disorders, including alcoholism and drug dependency
Comprehensive emergency medical evacuation and Repatriation of Remains
Eligibility Criteria for TATA Student Travel
| Product Name | Travel Guard | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Age of Entry | 16 Years | ||||||||||||
| Maximum age of Entry | 35 years | ||||||||||||
| Renewal Age | Up to 35 years | ||||||||||||
| Sum Insured | USD 50,000/250,000 | ||||||||||||
| Policy Tenure | Maximum duration is 365 days | ||||||||||||
| Family Definition | Individual | ||||||||||||
| Premium Calculated on Basis of | Age, Trip duration, Destination and Sum Insured | ||||||||||||
Product Benefits of TATA Student Travel
| Coverages (Amount in USD) | Plan A | Plan B | Ultimate | Ultimate Plus | Supreme |
| AD & D 24 Hours | 10,000 | 25,000 | 25,000 | 30,000 | 50,000 |
| Felonious Assault (AD & D) | 5000 | 5000 | 25,000 | 25,000 | 25,000 |
| Accident & Sickness Medical Expenses Reimbursement |
50,000 | 1,00,000 | 2,50,000 | 5,00,000 | 5,00,000 |
| Deductible | 100 | 100 | 100 | 100 | 100 |
| Child care benefits | 250 | 500 | 1000 | 1250 | 1500 |
| Coverage for Pre existing Conditions under A&S |
500 | 1000 | 2500 | 5000 | 5000 |
| Maternity Benefit (Only Inpatient Treatment including 1 month post Natal Cover) - Waiting Period - 10 Months |
500 | 1000 | 2000 | 2500 | 3000 |
| Ambulance Charges | 250 | 250 | 250 | 500 | 500 |
| Treatment for mental and nervous disorders: including alcoholism and drug dependency. |
--- | 500 | 1000 | 2000 | 2500 |
| Cancer screening and mammography examinations |
250 | 500 | 1500 | 2500 | 3000 |
| Physiotherapy | 500 | 500 | 500 | 500 | 500 |
| Sickness Dental Relief | 250 | 300 | 400 | 500 | 500 |
| Deductible | 100 | 100 | 100 | 100 | 100 |
| Assistance Services | Included | Included | Included | Included | Included |
| Emergency Evacuation | 5,000 | 10,000 | 15,000 | 25,000 | 25,000 |
| Continuing Treatment (following Medical Repatriation to your Country of Origin)## |
NA | NA | NA | NA | 20,000 |
| Repatriation of Remains | 2500 | 5000 | 7500 | 10000 | 10000 |
| Checked Baggage Loss | 500 | 1000 | 2000 | 2500 | 2500 |
| Checked Baggage Delay# (After 12 hours only) |
---- | 50 | 150 | 250 | 250 |
| Loss of passport | 250 | 250 | 250 | 250 | 250 |
| Deductible | 30 | 30 | 30 | 30 | 30 |
| Personal Liability | 1,00,000 | 1,00,000 | 5,00,000 | 5,00,000 | 5,00,000 |
| Deductible | 200 | 200 | 200 | 200 | 200 |
| Study Interruption | 7500 | 7500 | 15000 | 25000 | 25000 |
| Sponsor Protection | 10,000 | 10,000 | 20,000 | 25,000 | 25,000 |
| Compassionate Visit ( 2-Way) Visit | 1,500 | 5,000 | 7,500 | 10,000 | 10,000 |
| Bail Bond | 500 | 1000 | 5000 | 5000 | 5000 |
| 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) |
| Deductible | 1 Day | 1 Day | 1 Day | 1 Day | 1 Day |
| Missed Connection/ Missed Departure |
250 | 500 | 750 | 1000 | 1000 |
| Deductible | 25 | 50 | 75 | 100 | 100 |
| Trip Delay | 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) |
| Deductible | 12 Hrs | 12 Hrs | 12 Hrs | 12 Hrs | 12 Hrs |
| Fraudulent Charges(Payment Card Security) |
500 | 1000 | 1500 | 2000 | 2000 |
Exclusions for TATA Student Travel
- 1. Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining treatment.
- 2. Any Pre-existing Condition or any complication arising from it;
- 3. Suicide, attempted suicide(whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immuno Deficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV) infection
- 4. Serving in any branch of the Military or Armed Forces of any country, whether in peace or War
- 5. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens,
- 6. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline;
- 7. Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy,
- 8. Performance of manual work for employment or any other potentially dangerous occupation,
- 9. Participation in winter sports, skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing,
- 10. Pregnancy and all related conditions. This however does not include ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Physician
- 11. Any non medical expenses
Claim Process for TATA Student Travel
Assistance service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.
Service Provider details
Assistance Details: While in India
Contact No: 1800 119966 from BSNL/MTNL Landline or 1800 22 9966
E Mail: general.claims@tata-aig.com
Assistance Details: While abroad
Contact No: +603-2118-0783 or +603-2118-0784
E Mail: TGAP.TATAclaims@aig.com
SMS: 'CLAIM' to 5616181