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Which is the best Student insurance plan in India?

India today exports around 200,000 students every year to foreign Universities/Colleges for their higher education, this is the second ranked country after China in terms of students travelling abroad. Not surprisingly, USA is a the most popular destination for Indian students although the number of students visiting USA have started reducing year on year, given the visa challenges as well as growing popularity of other countries. Given this growth of the student insurance numbers, the Indian insurance companies have rolled out Student Health insurance plans which are comprehensive in terms of coverage and competitive in terms of premiums. An important factor to consider is that the Indian Student Health Insurance plans are comparable with local health insurance requirements in foreign countries and hence can be used as a substitute insurance plan in place of the plans offered by the University / College.

Currently most of the students avail their insurance coverage from the University/Colleges but it is recommended that they review and compare the Indian Student Health insurance plans as well before making a final decision. Most Indian insurers have a Student Health insurance plan for both American Markets as well as Rest of the World depending on the destination country that the student is proceeding to for their studies – Americas, Rest of the World, Asia etc. The advantage of the Indian insurance plans is that they not only offer Medical coverage but also Non-Medical covers like Sponsor Protection, Compassionate Visit, Study Interruption, Maternity Cover etc. You can compare the available Student Health Insurance plans to make a final decision.


(All benefits displayed at maxmimum available limits - $USD)	Apollo	Bajaj Allianz	Cholamandalam	Future Generali	HDFC Ergo	Reliance	Care(Formerly Religare)	Royal Sundaram	Tata AIG
Emergency Accident & Sickness Medical Expenses	500,000	1,000,000	250,000	500,000	500,000	500,000	1,000,000	750,000	500,000
Coverage for Pre Existing Conditions (in Life Threatening situations)							100,000	5,000	5,000
Maternity Benefit	500			2,000	500			3,000	3,000
Treatment for Mental & Nervous disorders (including drug dependence)	1,000			1,000	1,000		1,000	2,500	2,500
Cancer Screening & Mamography	2,000				2,000		4,000	3,000	3,000
Sickness Dental Coverage	500	500	250	500	500	500	750	500	500
Personal Liability	100,000	150,000	100,000	200,000	100,000	150,000	100,000	500,000	500,000
Study Interruption	10,000		7,500		7,500	10,000	15,000	25,000	25,000
Sponsor Protection	20,000	10,000	10,000	15,000	10,000	10,000	15,000	25,000	25,000
Compassionate Visit (2 way)	7,500	7,500	7,500	10,000	7,500	7,500	7,500	10,000	10,000
Bail Bond	5,000	500	5,000	2,500	5,000	5,000		5,000	5,000
Tution Fee		10,000		25,000
Laptop Insurance		500					250	500
Felonious Assault	7,500			10,000				25,000	25,000
University Insolvency							7,500

Student insurance partners

Insurance Companies offering student medical insurance

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	Policy Exclusions
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	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