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Student Travel Insurance is designed for eligible students travelling abroad for higher education. Alongside specified travel-related protection, the policy may cover eligible emergency medical expenses, accidental injury, emergency medical evacuation and selected journey disruptions. Student-focused benefits include study interruption and sponsor protection, subject to the policy wording and eligibility conditions. The official TATA AIG product page advertises premiums from ₹41.33 per day; this is an indicative starting price, not a guaranteed quote. The final premium depends on factors including the student’s age, destination, duration of cover and selected policy option.
Student-focused protection with medical cover, study interruption and sponsor protection, subject to policy terms
This plan is intended for students pursuing education overseas and facing potentially high medical and travel costs. Before purchasing, students and sponsors should compare the medical sum insured, deductible, study interruption conditions, sponsor protection triggers, tuition-fee reimbursement rules and baggage limits. The policy may require evidence from the educational institution and receipts for eligible tuition fees. Sponsor protection is not a general tuition-fee guarantee: it applies only to specified circumstances and subject to the wording. Students should also review pre-existing condition restrictions, adventure-sport exclusions, coverage dates and any return-to-India restrictions. Confirm that the chosen policy meets the destination country or university’s insurance requirements before departure.
Tata AIG
Key Insights
Founded
2001
Tata AIG was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.2% CSR, calculated as a 3-year average
Tata AIG settles 98.2% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-266-7780
Headquarters: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400 013, Maharashtra, India
Eligible medical expenses for covered illness or injury during the insured overseas stay may be payable under the policy.
Limits, deductibles, exclusions and required authorisation apply.
Eligible expenses and benefits related to accidental injury may be covered as specified in the selected policy.
The policy schedule and benefit definitions determine the applicable limits.
Eligible emergency transportation to an appropriate medical facility may be covered when policy conditions are met.
Subject to medical necessity and the insurer’s assistance procedures.
Eligible unused tuition fees may be reimbursed if the student must interrupt studies due to a covered medical emergency.
The educational institution’s confirmation, fee receipts and policy conditions may be required.
Specified tuition-fee expenses may be reimbursed if the sponsor experiences a covered accidental death or permanent disability, as defined by the policy.
This is not an unconditional tuition-fee guarantee; defined events and documentation requirements apply.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Tata AIG plans and claim process
It is designed for eligible students travelling abroad for higher education. Students should confirm that the selected policy option matches their age, destination and study duration.
The official TATA AIG student travel page advertises premiums from ₹41.33 per day. The final premium depends on the student’s age, destination, duration and selected cover.
Eligible emergency medical expenses may be covered subject to the selected option, benefit limits, deductibles and exclusions.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIG website before purchasing.
Official Website
tataaig.com
Visit the official Tata AIG website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The benefit may reimburse eligible unused tuition fees if a covered medical emergency prevents the student from continuing their studies. Policy conditions and supporting documents apply.
Specified tuition-fee expenses may be reimbursed if the sponsor experiences a covered accidental death or permanent disability, as defined by the policy.
Necessary and reasonable expenses for obtaining a duplicate or replacement passport may be reimbursed under the applicable benefit, subject to limits and documents.
Some adventure-sport injuries, particularly activities for which the insured is untrained, are excluded. Check the current policy wording for exact conditions and exceptions.
The published student policy wording excludes checked-baggage delay on the return journey to India. Review the wording for other baggage provisions.
TATA AIG advertises student cover for durations of up to three years. Actual eligibility and available policy duration depend on the selected option.
Refer to the official TATA AIG downloads page and the student policy wording applicable to your selected option. The issued policy schedule and wording govern the cover.