Student Travel Insurance FAQs

The following unique benefits of Student Guard Plus allow you to study worry free:

• Study interruption: Reimburse tuition fee paid in advance for the current semester if you cannot continue your studies due to your terminal sickness or in case of medical repatriation or in case of death of your immediate family member.
• Sponsor protection: In case of accidental death or permanent disablement due to accident of your sponsor, we'll reimburse your remaining school fees upto a specified maximum limit as stated on the Policy Schedule.
• Accident medical expenses: On accidental injury, we'll reimburse your actual hospitalisation cost or outpatient treatment incurred overseas, upto a specified maximum limit as stated in the Policy Schedule.
• Compassionate Visit (2-Way):
  • Visit by family member - If you are hospitalised for more than seven consecutive days, we'll cover the cost of the round trip economy class air ticket and accommodation expenses for your immediate family member to be with you.
  • Visit by student: In case of death or hospitalisation of parent (s)/spouse/ children, for more than seven consecutive days, we'll cover the cost of the round trip economy class air ticket.
• Personal accident: Student Guard gives you worldwide coverage against accidental death and dismemberment while you're abroad anywhere in the world.
• Maternity benefits for termination of pregnancy: Medical expenses related to termination of pregnancy are covered subject to maximum limits provided in the schedule of benefits, subject to a waiting period of ten months, from the effective date of policy.
• Mental and nervous disorders: Medical expenses related to treatment for mental and nervous disorders on recommendation of a physician, including alcoholism and drug dependency are covered in the schedule of benefits.
• Cancer screening and mammography: Medical expenses related to cancer screening and Mammography examination on recommendation from a physician are covered subject to the maximum limits provided as per the schedule of benefits.
• Red 24 service: Red 24 is a unique global security service providing advice to help individuals avoid and manage personal risks for themselves and their families. They are more of an advanced information bureau, who pro-actively advice customers about potential risks in and around the country.
• 24 hours worldwide emergency assistance service
• Emergency medical evacuation
• Repatriation of remains
• Felonious assault (ADandD)

The Assistance Services include Medical Assistance and Non-Medical Assistance

Non-Medical Assistance includes:

• Pre-departure services: Information about foreign locations, passport / visa requirements, immunisation requirements etc.
• Embassy referral services.
• Claims procedures Information services.
• Lost luggage or Lost Passport: If You, outside India, notify the Assistance Company that your luggage or passport has been lost, the Assistance Company will endeavour to assist you by contacting the appropriate authorities involved and providing direction for replacement.
• General assistance: The Assistance Company will serve as a central point for translation and communication during emergencies. The Assistance Company agrees to provide advice on contacting and using services available from consulates, government agencies, translators, and other service providers that can help with travel problems. In addition, the Assistance Company will provide insurance coordination, verifying coverage, guaranteeing payment to the medical provider, based on confirmation of benefits, a charge to credit card(s) and coordinating the payments, documentation and translation to ease claim filing when you return to India.
• Pre-departure services: Prior to your departure, upon request the Assistance Company will provide hazard information about foreign locations, information about immunisation requirements and passport or visa requirements, general information about weather and State Department and private service warnings about travel to certain locations. The Assistance Company will also arrange for special medical care en-route (i.e. dialysis, wheelchairs, etc.). Subject to receiving reasonable notice of this request.
• Emergency travel agency: The Assistance Company agrees to provide 24 hour travel agency service for airline and hotel reservations. The Assistance Company will also arrange payment for airline tickets and other travel services, using your credit card. Prepaid ticket pickup at airline counters or ticket delivery by mail or courier will also be arranged by the Assistance Company.
• Emergency cash transfers and advances: The Assistance Company will arrange for cash payments, through a variety of sources, including credit cards, hotels, banks, consulates and Western Union. The Assistance Company provides this service to supplement the facilities of your credit cards. Credit card transactions performed by the Assistance Company are subject to confirmed credit.
• Legal assistance: If you are arrested or are in danger of being arrested as the result of any non-criminal action resulting from responsibilities attributed to you, Assistance Company will, if required, provide you with the name of an attorney who can represent you in any necessary legal matters.

Medical Assistance includes:

• Medical services provider referral.
• Arrangement of hospital admissions.
• Monitoring of medical condition during hospitalisation.
• Medical assistance: As soon as the Assistance Company is notified of a medical emergency resulting from an accident or sickness, the Assistance Company will contact the medical facility or location where you are located and confer with the physician at that location to determine the best course of action to be taken. If possible and if appropriate, your family physician will be contacted to help arrive at a decision as to the best course of action to be taken. The Assistance Company will then organise a response to the medical emergency, doing whatever is appropriate, including, but not limited to, recommending or securing the availability of services of a local physician and arranging hospital confinement of you where, in its discretion, deems such confinement appropriate.
• Medical evacuation: When, in the opinion of the Assistance Company's medical panel, it is judged medically appropriate to move you to another location for treatment or return you to India, the Assistance Company will arrange the evacuation, utilising the means best suited to do so, based on the medical evaluation of the seriousness of your condition, and these means may include air ambulance, surface ambulance, regular airplane, railroad, or other appropriate means. All decisions as to the means of transportation and final destination will be made by the Assistance Company.
• Repatriation: The Assistance Company agrees to make the necessary arrangements for the return of your remains to India in the event you die while this policy is in effect as to you.

Any individual, between sixteen (16) and thirty-five (35) years of age, enrolled and attending a full-time registered educational institution of higher learning, outside Republic of India. The insured person can only be covered under one such policy for the period.

You are not covered if any expenses incurred directly or indirectly are in respect of:

• Travelling against the advice of the physician
• For obtaining treatment; pre-existing ailments and complications arising out of them
• Suicide or attempted suicide
• War and terrorism
• Illegal acts and dangerous sports etc.

Call at 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: axisbankhelpline@tata-aig.com

Worldwide Assistance Contact:
For Rest of the world policies excluding the Americas:
Call:+603-2118-0782 or +603-2118-0784 (Toll Worldwide)
Email (assistance): TGAP.TATAmedical@travelguard.com
Email (claims): TGAP.TATAclaims@travelguard.com

For the Americas Policies:
Call: +1-866-866-2619 (Toll Free within US and Canada)+1-817-826-7017 (Reverse Charge/Collect from other places)
Email: tata.aig@aig.com

For more details, please call us at our Toll Free No 1800-2092001

There is a possibility of some unexpected occurrence when travelling abroad. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can take place. Having Overseas Travel Insurance protects you from all such perils. It ensures that in a foreign land you are not left stranded in any kind of an emergency.

The Insurance cover commences on the day specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy, whichever is later.

Insurance Cover shall terminate:

• With the end of Insurance Period i.e. the period for which the premium has been paid
• When the insured person first disembarks on return to India.

Where your stay abroad is extended for reasons beyond your control, the extension may be granted by insurance company after collecting appropriate additional premium. You have to contact your insurer with details in such cases.

In case of any emergency, wherein you might need immediate medical care or assistance, you may call upon the Alarm Centre or assistance companies, stating the necessary details.

The original bills and vouchers must be submitted along with all claims.

• Bills/ Prescriptions/ vouchers/ reports/ discharge summary must contain the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment.
• Prescriptions must clearly show the medicines prescribed, the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/ vouchers/ reports must give the details of the tooth treated and the treatment performed.
• For reimbursement of the extra costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death.
• For reimbursement of the extra costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death.
• For reimbursement of extra expenses of transportation of Insured Person to the Republic of India, a medical statement indicating the cause of illness and the necessity of the transportation. Medical statements from relations or spouses will not be accepted.
• In case of loss of baggage, a Property Irregularity Report or other report usually issued by the carriers in the event of loss of baggage. Proof of value for article above deductibles.
• For personal liability, proof of judicial decision rendered by a court of law.
• For Personal Accident, bills/ vouchers/ reports/ discharge summary, Death Certificate, First Information Report, Post Mortem Report Legal Heir Certificate and such other documents as applicable.
• Any other document(s) that the company requires from the Insured Person to process the claim.

You can get your policy cancelled only if you have not undertaken the journey and you produce your passport as a proof that the journey has not been undertaken. Any such request of cancellation will be entertained upto 14 days after the first date of insurance as indicated in the schedule of the policy. In case of cancellation of your policy, a specified amount will be deducted as administration charges, from the refundable amount.

The insurance covers you only for accidents or sickness which happen unexpectedly and unintentionally while you are travelling abroad.

• Single trip Insurance –free look period not applicable. It is non-renewable, not cancel-able and not refundable while effective.
• Annual Multi-trip Insurance -15 days free look period for the new business annual multi-trip only.

Grace period is not applicable for single trip policies. This is applicable only for renewal of annual multi-trip policies.