1. Study Interruption
If you are unable to continue your school semester due to serious medical or compassionate reasons, we will reimburse you the tuition fee paid in advance for the current semester.

2. Sponsor Protection
In the event of accidental death or permanent disablement of your sponsor, you will be reimbursed the remaining school fees up to the maximum limit shown in the Schedule of Benefits.

3. Accident Medical Expenses
If you are injured accidentally, we will reimburse you the actual cost of hospitalisation or outpatient treatment, incurred overseas within 90 days from date of the accident, up to the maximum limit shown in the Schedule of Benefits.

4. Compassionate Visit (2-Way)
Visit by Family Member
If you are hospitalised for more than five (5) consecutive days, we will cover the cost of a round-trip economy class air ticket and accommodation expense of an immediate family member to be at your bedside.

Visit by Student
In the event of death or hospitalisation of your parent(s) for more than five (5) consecutive days, we will cover the cost of a round-trip economy class air ticket if you are required to return to your home country.

5. Personal Accident
AIG Student Assist provides worldwide coverage against Accidental Death and Permanent Disablement whilst you are studying abroad, on vacation anywhere in the world or even when you are back to your home country.

6. AIG TRAVEL ASSIST 
A full range of 24-hour worldwide emergency & assistance services is available to you absolutely FREE! Just place a reverse charge call to the AIG Travel Assist anytime of the day, wherever you are to enjoy:
• Pre-Trip Assistance Service
• Medical Service Consultation / Advice / Referral
• Hospital Admission Assistance (including Guarantee of Hospitalisation Deposit and Direct Settlement of covered hospitalisation bills)
• Emergency Medical Evacuation and Repatriation
• Baggage Service
• Legal Service
• Emergency Ticket Service

7. Emergency Medical Evacuation
In the event that you suffer from injury or illness, which necessitates your emergency medical evacuation, AIG Travel Assist will arrange for the evacuation and pay for the expenses incurred.

8. Repatriation of Remains
In the unfortunate event of your death during your stay overseas, AIG Travel Assist will arrange and pay for all reasonable covered expenses incurred to return your remains to your home country.

9. Felonious Assault
You will be covered in the event that you suffer accidental death or disablement as a result of events such as robbery, felonious assault or any criminal act of violence directed at you. This benefit is payable in addition to the Accidental Death and Disablement cover.

10. Lost Luggage & Personal Effects
You will be covered for accidental loss to your checked-in luggage whenever you travel. Coverage for hand-carried Lap-Top computers is also included.

11. Personal Liability Abroad
You will be covered for legal liability to third parties or damage to their property caused by his/her negligence.

12. Medical Expenses for Accident and Sickness
(Optional for Long Term Plan and included for Short Term Plan)
In addition to the Core Benefits described above, you have the flexibility to include an optional medical plan that covers both outpatient and hospitalisation medical expenses for Sickness and Accident. Even Home Country medical expenses are covered.

Main Exclusions 
As with all insurances, there are exclusions. The main ones are highlighted below:
• Acts of war, participation in illegal acts, professional and/or competitive sports, pregnancy or childbirth, suicide or self-inflicted injury, AIDS, mental and nervous disorders. 

• Any pre-existing conditions for which the Insured Person received medical treatment, diagnosis, consultation or prescribed drugs within one (1) year preceding the effective date of this policy or, a condition for which medical advice or treatment was recommended by a physician within one (1) year preceding the effective date of the cover. 

• Any loss due to your engagement in naval, military or airforce service or operations; acting as a crew member or an operator of any air carrier; testing of any kind of conveyance; engagement in any kind of labour work; engagement in offshore or mining or aerial photography; handling of explosives.

Important Notes   
• Eligible Persons - Any individual, between fifteen (15) and forty-five (45) years of age, who is enrolled and attending full-time, a registered educational institution for higher learning, outside of his Home Country, and who has paid the appropriate premium for this insurance

• The Insured Person can only be covered under one such policy for the same period.

Country Exclusion
• AIG Assist will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Sudan or Syria. 

Q1.  When would AIG Student Assist start and end?
A1. Coverage will begin on the latter of the following:
i) The Insured Person’s departure from his Home Country; or
ii) The date the Application and premium are received by AIG  or its designated representative
iii) The date requested on the Application

Coverage will end on the earlier of the following :
i) The Insured Person’s permanent return to his Home Country
ii) The date the Insured Person ceases to be an Eligible Person
iii) The date requested in the Enrolment Form for which premium has been paid

Q2. What should be the duration of my cover?
A2. Preferably the whole duration of your study overseas to avoid the hassle of policy renewal and also save on the total amount of premiums paid.

Q3. Can my parents enrol on my behalf after my departure from Singapore?
A3. Yes! Enrolment by parents/authorised representatives is acceptable. Policy will be effected at date of enrolment upon receipt of full premium.

Q4.  I have completed my first year of study and going for my second year. Can I apply for AIG Student Assist?
A4. Yes! Policy will be effected at date of enrolment upon receipt of full premium.

Q5. If I courier/freight some personal belongings to the country of study before my departure, will those properties be covered in case of loss/damage?
A5. No! Only luggage & personal effects that the Insured travels with (ie, accompanying luggage) will be covered.

Q6.  Under the “Compassionate Visit” benefit, it is mentioned in the policy that AIG will provide a round-trip economy class air ticket, or first class railway ticket, to allow the immediate family member to be at the bedside of the Insured for the duration of the stay in the hospital.
(a) Will AIG provide transportation via other mean such as ferry or coach where appropriate? 
(b) If an air ticket AND a railway ticket is required to get to the destination, will they be provided?
(c) For what duration will accommodation charges of the visiting family member be covered?

A6. 
(a)  Yes
(b)  Yes
(c)  Accommodation charges for the visiting family member will be covered for the duration of Insured’s hospitalisation from the 6th day onwards. This is subject to a maximum of S$320 per day up to the maximum limit specified in the plan selected

Q7.  Can an AIG Student Assist policy be terminated: 
(a) before the effective date (which is departure date)?
(b) after the effective date?

A7. 
(a) If 30 days written notice is given to AIG, policy may be terminated with full refund of premiums? If less than 30 days written notice is given, an administrative charge of S$ 25 will be levied.
(b) If the remaining term of the policy is 6 months or longer, the policy may be terminated with pro-rated refund of the premiums that have been paid. 
PS : The above also applies to Family Cover.