Introduction
If you’re planning to study abroad from India, one thing you should never ignore is health insurance. Many universities and countries make it mandatory to have a valid international student health insurance before joining.
In this article, we’ll explain everything you need to know about international student health insurance India — benefits, best providers, what it covers, and how to buy the right plan in 2025.
What is International Student Health Insurance?
International student health insurance is a type of medical insurance designed specifically for students studying in a foreign country. It covers the cost of:
- Emergency hospital care
- Doctor visits and medications
- Medical evacuation
- Mental health and wellness
- COVID-19 treatment (in most cases)
Without insurance, students may end up paying very high medical bills abroad. That’s why most countries, like the USA, UK, Canada, Germany, and Australia, ask for proof of valid insurance at the time of admission or visa application.
Why Indian Students Need Health Insurance for Studying Abroad
Here’s why Indian students studying abroad must buy international health insurance:
- Compulsory for university enrollment
- Required for student visa in many countries
- Covers high medical costs in foreign countries
- Helps in emergencies, accidents, and illness
- Peace of mind for students and their parents
Some countries (like the US) have very expensive healthcare systems. A simple hospital visit may cost ₹50,000 or more. With a proper insurance plan, such expenses are covered.
Best International Student Health Insurance Providers in India
Here are the top insurance companies in India that offer health insurance for international students:
| Insurance Provider | Highlights |
|---|---|
| TATA AIG | Widely accepted in USA & Europe |
| HDFC ERGO | 24/7 support, cashless hospitalization abroad |
| Religare (Care Health) | Covers OPD, diagnostics, and COVID |
| Bajaj Allianz | Offers student travel + health combo |
| ICICI Lombard | Global tie-ups with foreign hospitals |
Most of these companies provide:
- Online purchase
- Instant policy document
- Helpline numbers for students abroad
- Tie-ups with major international universities
What Does Student Health Insurance Cover?
Here’s a typical list of what is covered under an international student health insurance plan:
- Hospitalization (Inpatient & Daycare)
- Doctor consultations
- Medicines and lab tests
- Emergency evacuation
- Dental treatment (in some plans)
- Mental health support
- COVID-19 related treatment
- Compassionate visits for family
What is NOT covered:
- Pre-existing conditions (unless declared & accepted)
- Self-inflicted injuries
- Drug/alcohol abuse treatment
- Cosmetic surgeries
Always read the policy document carefully before buying.
How to Buy International Student Health Insurance from India
You can easily buy international student health insurance online from India:
Step-by-step:
- Compare plans on the official websites or aggregator platforms like Policybazaar or Coverfox
- Check if your destination university has any specific requirements
- Select the plan duration (6 months, 1 year, etc.)
- Fill in your details: name, passport, college name, etc.
- Make payment online
- Receive e-policy instantly on email (PDF format)
You can print and submit it with your university/visa documents.
Estimated Cost of Student Health Insurance
Cost depends on the destination country, duration, and coverage type.
| Destination | Estimated Annual Premium (₹ INR) |
|---|---|
| USA | ₹25,000 – ₹60,000 |
| Canada | ₹18,000 – ₹40,000 |
| UK | ₹15,000 – ₹35,000 |
| Germany | ₹12,000 – ₹30,000 |
| Australia | ₹20,000 – ₹50,000 |
Some scholarships cover insurance too. Check with your university.
Tips Before You Buy
- Compare multiple plans online
- Check for network hospitals in the country
- Talk to your university if they have approved providers
- Start early, don’t wait till the last minute
- Keep digital and printed copies of your insurance at all times
Conclusion
If you’re planning to study abroad, international student health insurance is not just a formality — it’s a lifeline. Medical emergencies can happen anytime, and healthcare abroad is expensive.
So, whether you’re going to the USA, UK, Canada, or Europe, choose the best international student health insurance from India that gives you complete peace of mind.
Compare wisely. Buy early. Study stress-free.