Indian student health insurance for studying in America

India student health insurance quotes for America

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  • Personalized support provided.
  • Help complete waiver form.
  • Pay in INR and get coverage in USD.

Indian students studying in America

Indian students can apply for the student visa at the corresponding countries consulate in India. There are certain formalities that students have to follow for being eligible for a student visa and to study in a foreign country. The required documents have to submitted to the consulate for processing the student visa.

There will be a interview for the students at the consulate office before issuing the visa. At the time of interview the applicants have to carry the original to show as a proof for all the documents submitted with the application.

America - General information

America Flag
North America
Washington, D.C.
Best time to visit
Spring and Autumn
Country code
327.16 million
American English
Football and Basketball
9.834 million km²
Vacation spots
New York City, Los Angeles, Chicago, Las Vegas, Washington, D.C., Yellowstone, San Francisco, Jacksonville, Savannah, New Orleans, Asheville, Hawaii, Florida, Redwood National Park.

Is health insurance mandatory for F1 students ?

Student Insurance is mandatory for every student travelling abroad for their higher studies. It is not permitted for any student to enrol in a College/University abroad without having an insurance coverage in place. The students have two options to purchase student insurance. The most preferred method currently is to purchase the same from the College/University where they are joining as part of their overall educational expense.

The other option is to purchase a comparable and competitive student insurance plan from India, which is offered by multiple insurers. The Indian insurance plans also have a comprehensive range of coverages (both non medical and medical) which the student can compare and before opting for a suitable plan. Every student should understand from their College/University the Minimum Health Requirements of the institution and then explore insurance plans with comparable features from the Indian bouquet of student insurance options and then take an informed decision. It should also be noted that the process of buying a student insurance policy is simple and will require some basic information and payment. EIndia offers the most comprehensive plans online for the student to compare and choose from. This process is as simple as buying the policy form the College/University.

Which is the best health and travel insurance for an Indian student going to US for studies?

Today India sends the second largest number of students abroad for their higher studies after China. Almost 200,000 Indian students are venturing out to Universities/Colleges across the world for their higher education. It is important to note that Student Health insurance is mandatory at educational institutions across the world and hence Indian insurance companies have launched specific student insurance plans catering to this segment of India travellers.

The coverages under the Indian insurance plans also meet the local health insurance requirements as prescribed by the University/College and hence the students can confidently purchase a comparable insurance plan.

What is significantly different is the premiums charged by the US insurers for International students (like Indians) when compared to the premiums charges by the Indian insurance companies. An illustration is tabled below for a quick perusal.

Insurance Plan Comparison** Insured's Age USA Student Health Insurance Premium in $ USD USA Student Health Insurance Premium in ₹ INR Indian Insurer Premium in ₹ INR
Plan Coverage - $300,000 + Duration is 364 days Age 30 years years $2,238* ₹1,56,702 22,845 – 24,146
Plan Coverage - $500,000 + Duration is 364 days Age 30 years years $3,254*            ₹2,27,791 42,294 – 43,990

* - as per detail available on the website on 15.04.2019. These are liable to change from time to time.

India Insurance companies like Tata AIG, Bajaj Allianz, HDFC Ergo, Religare Health, Reliance General, Apollo Munich, Royal Sundaram etc offer comprehensive Student Health Insurance options. Hence it is advisable to review the Indian insurance Student Health insurance plans prior to making a final decision.

What is the cheapest student medical insurance available for an international student (Indian) studying in the USA?

Every year almost 1,00,000 Indian students travel to USA for their higher studies. The Indian student community in USA is one of the largest, only after the Chinese. Acknowledging this many of the Indian Insurance companies identified a potential insurance opportunity and started offering competitive and comprehensive Health insurance solutions for the Indian students going to International Universities/Colleges for their higher education. Today almost all the Indian insurance companies offer a standalone Health insurance plan for students irrespective to whichever country they are going to pursue their studies. A couple of important points to be noted:

  • Indian insurance plans can be purchased for 1 year or even upto 2 years at a time.
  • The coverages are comparable to the plans offered by the University/Foreign Insurers as per local health insurance guidelines.
  • Indian Insurance companies have Third Party Administrators (TPA or Assistance Company) for supporting the student in case of any exigency – medical or non-medical. Cashless Inpatient treatment for hospitalisation post an accident or sickness can also be availed by the student.
  • The premiums for comparable coverage are much lower than what is offered by the companies abroad.

Popular tourist destinations in America

San Francisco

San Francisco

San Francisco, in northern California. It's known for its year-round fog, iconic Golden Gate Bridge, cable cars and colorful Victorian houses.
Yellowstone National Park

Yellowstone National Park

Yellowstone National Park is a nearly 3,500-sq.-mile wilderness recreation area atop a volcanic hot spot. Mostly in Wyoming, the park spreads into parts of Montana and Idaho too.
Glacier National Park

Glacier National Park

Glacier National Park is a 1,583-sq.-mi. wilderness area in Montana's Rocky Mountains, with glacier-carved peaks and valleys running to the Canadian border.



Miami is an international city at Florida's southeastern tip. Its Cuban influence is reflected in the cafes and cigar shops that line Calle Ocho in Little Havana.

Student Insurance Partners

Student Travel Insurance
Insurance Companies offering student medical insurance
  • TATA AIG Insurance Plans
  • Bajaj Allianz Insurance Plans
  • Reliance Insurance Plans
  • Cholamandalam Insurance Plans
  • Apollo Munich Insurance Plans
  • Future Generali Insurance plans
  • Religare Insurance Plans
  • HDFC ERGO Insurance Plans
  • Royal Sundaram Insurance Plans
  • Star Health Student Insurance Plans
  • Universal sompo Insurance Plans
Student Travel Insurance is an insurance policy specifically designed for students travelling abroad on student visa to pursue their higher studies. The policy covers students who are enrolling in colleges, universities or institutes in a foreign country for professional/other academic courses. There are coverages specific to students that include Sponsor Protection, Compassionate Visit , Bail Bond and Study Interruption.
Coverages Offered
  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Treatment of Mental Disorders
  • Cancer Screening and Mammography
  • Maternity Coverage
  • Study Interruption
  • Sponsor Protection
  • Missed Connection
  • Compassionate Visit (2 way)
  • Emergency Cash Advance
Policy Exclusions
  • Travelling against the advice of a Physician
  • Pre-existing Conditions
  • Serving in any branch of the Naval, Military or Air Forces
  • Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants
  • Ionising radiation or contamination by radioactivity from any nuclear fuel
  • External congenital anomalies
  • Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
  • Ayurvedic, Homeopath or naturopathy treatments

Student Insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Student outside India

Student medical insurance for Indian students already outside India.

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Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Compare student plans

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Eindia Insurance – Blog.

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Resourceful Indian student insurance links

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