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Student Guard- Overseas Health Insurance Plan:

Student Guard – Overseas Health Insurance Plan product is designed keeping in mind the student going abroad to pursue higher studies. You have worked so hard for that opportunity to study abroad. You need to be able to focus on your mission and not worry about any unexpected hurdles that come your way, which is why you need student travel insurance. Student Guard – Overseas Health Insurance Plan, a student insurance policy to help you achieve your dreams. We assist you in case of health risks, accidents & loss of sponsorship when you travel abroad and also family emergencies back home.
  • Choose from 5 Plan options – Plan A, Plan B, Ultimate, Ultimate Plus and Supreme with Accident & Sickness Medical Expenses Reimbursement limits of $50,000, $100,000, $250,000, $500,000 and $500,000 respectively.
  • Cover includes Study Interruption, Sponsor Protection, Compassionate Visit (2-way) apart from Accident & Sickness Medical Expenses Reimbursement and Personal Accident.
  • More comprehensive cover including Maternity Benefits, Child Care, Cover for Mental and Nervous Disorders, Cancer Screening and Mammography examinations.
  • 15 days Free Look period (For the new business under annual multi trip only).
  • 30 days Grace Period (For renewals under annual multi trip only). 
  • Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal. However the quantum of increase shall be as per underwriting guidelines of the company.(For Renewals under annual trip policy only)
  • Changes will be notified to the policyholders 3 months in advance in case of revision /modification in approved product (Applicable for Annual trip Policyholders).
  • Likelihood of withdrawal of the product will be notified to the policy holders 3 months prior to the expiry of the policy and would be given the option to migrate to similar Travel Insurance Policy.
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What are the key features of Student Guard- Overseas Health Insurance Plan?
  • Accidental Death and Dismemberment (Including Felonious Assault : Coverage for Death and Dismemberment arising due to an Accident or due to felonious assault while the insured is abroad.
  • Accident & Sickness Medical Expenses Reimbursement : Provides coverage for medical expenses incurred towards the treatment due to accidental injuries / sickness.
  • Special Extensions:
    • Coverage for Pre existing Conditions : Medical expenses due to Pre-existing Condition in case of Life threatening unforeseen emergency subject to maximum amount as provided in the schedule of benefits; In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain.
    • Maternity Benefit : Coverage is towards Inpatient Medical expenses related to pregnancy and termination of pregnancy as a result of physician’s advice to terminate pregnancy due to medical reasons and not due to insured person’s choice to terminate pregnancy, subject to waiting period of 10 months from the effective date of Policy.
    • Childcare benefits : Coverage is towards the hospitalization of a child who is in between the age of 7 days - 90 days, and is hospitalized for 2 days or more for any ailment.
    • Treatment for mental and nervous disorders, including alcoholism and drug dependency
    • Cancer screening and mammography examinations :Coverage is towards reasonable and customary charges incurred for the Cancer Screening and mammographic examination which are done on recommendation of a physician. Any tests done as a part of preventive health check-up are not included under this benefit.
    • Physiotherapy :Coverage is for the ongoing physiotherapy to treat a disablement due to an accident unless this is recommended in writing by the treating registered medical practitioner.
  • Sickness Dental Relief : Provides coverage for the medical expenses incurred whilst overseas towards the treatment of sudden acute pain of Sound natural tooth which requires immediate dental treatment. Coverage of such expenses is limited to within 30 Days of date of the first treatment.
  • Assistance : Medical Assistance, Medical Evacuation, Repatriation, Legal Assistance, Lost Luggage or Lost Passport, General Assistance, Pre-Departure Services, Emergency Travel Agency.
  • Emergency Medical Evacuation : Medical evacuation of insured to nearest hospital or back to India for medical treatment subject to the certification by treating Physician that the severity or the nature of the Injury or Sickness warrants Emergency Evacuation.
  • Continuing Treatment (following Medical Evacuation to your Country of Origin): Coverage for continuing medical treatment following the repatriation to country of origin provided claim under section 2 (ACCIDENT & SICKNESS MEDICAL EXPENSE) is accepted. Coverage is applicable for 60 days from the date of your return to your Country of origin upto the amount shown in the table of benefits.
  • Repatriation of Remains : Covers cost of repatriating mortal remains of the insured to India.
  • Baggage Loss : Covers loss, in the case of permanent loss of an entire piece of Checked Baggage, 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 while insured is a ticketed passenger on the Common Carrier.
  • Baggage Delay : We will reimburse You for the expense of necessary personal effects, if Your Checked Baggage is delayed or misdirected by a Common Carrier from the time You arrive at the destination stated on Your ticket.
  • Loss of Passport : Coverage for necessary and reasonable expenses for obtaining a duplicate or new passport.
  • 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.
  • Study Interruption : Provides reimbursement of un used tuition fees if Insured suffers any of the following condition and is not able to continue his/her studies for the remaining part of a school semester for which Tuition has been paid.
    • Insured is hospitalized for more than one consecutive month for covered Injury / sickness or
    • In case of terminal illness or
    • In case medical repatriation or
    • In case of death of immediate family member
  • Sponsor Protection :In the event of injury to the Insured Person’s Sponsor resulting in Death or Permanent Disablement, 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.
  • Compassionate Visit :
    • Visit by Immediate Family Member
    • If you are hospitalized for more than seven (7) consecutive days, we will cover the cost of a round trip economy class air ticket and accommodation expenses for an immediate family member to be at your bedside.
    • Visit by Student
    • In the event of death or hospitalization of your parents(s)/spouse/child(ren) for more than Seven (7) consecutive days, we will cover the cost of a round-trip economy class air ticket if your are required to visit your home country.
  • Bail Bond : Covers bail bond cost as a result of false arrest or wrongful detention by any government or foreign power up to the amount stated in the Policy Schedule.
  • Hijack Cash Benefit : Distress allowance if insured’s common carrier has been hijacked.
  • Missed Connections/Departure : We will reimburse Reasonable Additional Expenses due to Missed Connections, or missed departure by Your scheduled airline, on your onward/ return journey.
  • Trip Delay : Coverage for additional expenses if insured trip is delayed for more than 12 hours due to inclement weather, strike with common carrier or equipment failure of the common carrier.
  • Fraudulent Charges (Payment Card Security) : We will reimburse the unauthorized charges that you are responsible for on your lost or stolen payment card.
Who is this insurance suitable for?
  • Any individual, between sixteen (16) and thirty-five (35) years of age, enroll and attending a full-time registered educational institution of higher learning, outside Republic of India.
  • This policy will be renewed till the Insured attains a completed age of 35 years thereafter it will not be renewed.
What is not covered under Student Guard- Overseas Health Insurance Plan?
This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:
  1. where the Insured Person is travelling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining treatment; or has received a terminal prognosis for a medical condition; or
  2. expenses related to any Pre-existing Condition or any complication arising there from it unless due to Life threatening unforeseen emergency subject to maximum amount shown in the table of benefits; or
  3. suicide, attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder – unless specified in Special Extensions sub section of Part D Section 2 : ACCIDENT & SICKNESS MEDICAL EXPENSE, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection; or
  4. serving in any branch of the Naval, Military or Air Forces of any country, whether in peace or War
  5. being under the influence due to usage / abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
  6. participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion; or
  7. operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or
  8. any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
  9. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
  10. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
  11. External congenital anomalies or any complications or conditions arising therefrom; or
  12. participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained. This exclusion does not apply to injuries resulting from inter collegiate sports.
  13. any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy except for those expenses specified in Special Extensions section, or
  14. for any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest;
  15. any loss, injury, damage or legal liability arising directly or indirectly from: Travel in, to, or through Afghanistan, Cuba or Democratic Republic of Congo; or
  16. any loss, injury, damage or legal liability directly or indirectly by: Any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons.
  17. Any Unproven/Experimental treatment, non allopathic treatment, including but not limited to Any Ayurvedic, Homeopath or naturopathy treatments.
  18. Any non medical expenses (list enclosed – Annexure I of policy wordings)
Note: Please refer policy wordings for complete list of exclusion.
How can I register a Claim?
  • Claim Procedure :
  • Contact Details While Abroad :
    The worldwide number is +6 03 2118 0783 / 84
  • For the *Americas Policies :
    Please Call:+1-866-866-2620 (Toll Free within US & Canada)
    +1-817-826-7018(Reverse Charge/Collect from other places)
    0800 169 9884 (Toll free from UK);
    0120-593700 (Toll free from Japan)
    *(Americas include North, Central, South America & Canada)

While In India :
Toll Free No 1800 119966 from BSNL/MTNL Landline or 1800 22 9966 (only for senior citizen policy holders)

Call these local helpline numbers in your respective cities from any other line: Mumbai - 66939500, Delhi – 66603500, Bangalore – 66500001, Pune – 66014156, Chennai – 66841050, Hyderabad – 66629882, Ahmedabad - 66610201
Email :
Write to:
Tata AIG General Insurance Company Limited.
A-501, 5th Floor, Building No. 4, Infinity Park,
Gen. A. K. Vaidya Marg, Dindoshi, Malad (E),
Mumbai, India - 400 097.
SMS ‘ CLAIM’ to 58888
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