Bajaj General Student Insurance for International Students
Our comprehensive student travel insurance covers both medical emergencies and travel-related expenses for Indian students studying abroad. If you're already overseas and need renewal, check our online renewal options.
How to extend or renew student insurance while studying outside India?
Indian students who are studying outside India and want to extend or renew Bajaj General student insurance online due to various reasons. These students can complete the Bajaj General international student travel insurance renewal request form online and we can try to get an approval for you.
Which universities accept Bajaj General student insurance?
Universities in Europe
Universities in America's
Universities in Australia or New Zealand
Universities in Asia & Africa
What are the steps to buy Bajaj General international student insurance?
The following are the steps to buy Bajaj General student insurance for Indian students studying abroad
- Find out if your University offers an health insurance policy for international students
- If so, is it mandatory to buy that University plan, or can international students buy other insurance
- If you are allowed to buy Indian student insurance, then review the student insurance offered by Bajaj General (Bajaj General is much cheaper)
- Compare the Bajaj General student medical insurance plans with the University plan based on price as well as coverage benefits
- Select the student health insurance plan that best fits your budget and needs.
- If you buy the Bajaj General student insurance online here, you will receive the policy documents by email
- If applicable, we can complete the University student insurance waiver form.
Frequently Asked Questions About Bajaj General Student Insurance
Yes, Bajaj General student insurance provides emergency dental coverage under the Student Elite and Student Prime plans.
Coverage includes:
- Emergency dental treatment: Up to $500 for pain relief and emergency procedures
- Covered procedures: Temporary fillings, extractions, emergency root canals
- Not covered: Routine check-ups, cleaning, and cosmetic dental work
- Plans with coverage: Student Elite and Student Prime only
Tip: Student Prime offers better coverage. Most students abroad face at least one emergency dental issue during their stay.
Yes, with limitations depending on your plan:
| Plan | OPD Limit | What's Covered |
|---|---|---|
| Student Companion | None | Hospitalization only |
| Student Elite | $250 | Doctor consultation & basic meds |
| Student Prime | $350 | Consultation, meds, diagnostic tests |
What's included in OPD: Doctor consultation fees, prescribed medications for acute illnesses, diagnostic tests if hospitalization is needed
What's NOT included: Routine check-ups, preventive care, wellness programs
Tip: Student Prime is recommended if you expect regular doctor visits (15% of students use this annually).
Fully Covered Conditions:
- Acute illnesses (flu, pneumonia, gastroenteritis, COVID-19)
- Injuries from accidents
- Hospitalization for any medical condition
- Infectious diseases (excluding some rare conditions)
- Emergency surgical procedures
- Mental health treatment (up to 30 days per year)
Partially Covered:
- Pre-existing conditions: Covered after 24 months of continuous coverage if declared
- Maternity complications: Emergency care only
- Dental emergencies: Elite/Prime plans only
NOT Covered:
- Chronic diseases present before policy start
- High-risk activities and extreme sports
- Self-inflicted injuries
- Treatment for alcohol/drug abuse
- Cosmetic and elective procedures
- Weight loss and wellness programs
Important: Declare any pre-existing conditions when applying. If declared, they're covered after a 24-month waiting period.
Yes, cataract surgery is covered under specific conditions:
- Emergency cataracts: Fully covered if causing vision-threatening complications
- Planned cataract surgery: Covered if hospitalization is required (minimum 24-hour stay)
- Coverage limit: Up to the policy maximum ($50,000-$100,000)
- Pre-authorization: Required before elective surgery
- Exclusions: Cosmetic eye surgery not covered
Next steps: If you need cataract surgery, contact us at +91-80-41101026 for pre-authorization before the procedure.
Cost Comparison:
| Factor | Bajaj General | Typical University |
|---|---|---|
| Monthly Cost | ₹481-674 | $1,200-2,500 |
| Annual Cost | ₹4,324-₹6,079 | $14,400-$30,000 |
| Savings | 20-25% cheaper | |
Coverage Advantages:
- ✓ Worldwide coverage - Not limited to campus
- ✓ Travel benefits included - University plans exclude travel
- ✓ Personal liability - Up to $1 million coverage
- ✓ Study interruption - Covered if forced to return home
- ✓ Repatriation - Covered in case of death
- ✓ 500+ university acceptance - Flexible, not tied to one school
Real Example: A student in USA for 2 years saves ₹8,00,000+ by choosing Bajaj General, while getting equal or better coverage.
Flexibility: You can buy Bajaj AND satisfy university requirements by submitting a waiver form (we'll help with this).
Bajaj General offers 3 comprehensive student insurance plans:
1️⃣ Student Companion - Entry Level
- Medical limit: $50,000
- Cost: ₹997/month (USA/Canada), ₹481/month (Other countries)
- Coverage: Hospitalization, emergency care, personal accident protection
- Best for: Budget-conscious students with basic needs
2️⃣ Student Elite - Mid-Range (Most Popular)
- Medical limit: $75,000
- Cost: ₹1,353/month (USA/Canada), ₹652/month (Other countries)
- Coverage: Companion benefits + Emergency dental/eye care + Limited OPD
- Best for: Students wanting better coverage and flexibility
3️⃣ Student Prime - Comprehensive (Best Value)
- Medical limit: $100,000
- Cost: ₹1,379/month (USA/Canada), ₹664/month (Other countries)
- Coverage: Elite benefits + Higher OPD ($350) + Wider coverage
- Best for: Students wanting maximum protection and peace of mind
How much does Bajaj General student travel insurance cost in 2026?
The cost of insurance for Indian students studying abroad is significantly lower for Indian insurance plans compared to international plans, as the premium is paid in Indian Rupees. Bajaj General student travel insurance offers affordable plans specifically designed for international students. The monthly premium for students going to the USA and Canada ranges from ₹997 to ₹1,401, while for students going to countries other than the USA and Canada, the cost ranges from ₹481 to ₹674. These rates apply to a 20-year-old student with a policy maximum of $50,000. Bajaj General student insurance plans are accepted by most overseas universities and fulfill international student health insurance requirements.
| For students going to USA & Canada | ||
|---|---|---|
| Plan Name | Cost per month | Cost per year |
| Student Companion | ₹997 | ₹7,973 |
| Student Elite | ₹1,146 | ₹9,169 |
| Student Prime | ₹1,401 | ₹11,208 |
| For students going to countries other than the USA & Canada | ||
|---|---|---|
| Plan Name | Cost per month | Cost per year |
| Student Companion | ₹481 | ₹4,324 |
| Student Elite | ₹552 | ₹4,973 |
| Student Prime | ₹674 | ₹6,079 |
Choose your study destination from USA, UK, Canada, Australia, Europe, and Asia to get location-specific insurance options.
Popular student travel destinations
Customer testimonials
Bajaj General Citation
Mr. Anshul Nijhawan, Head Travel Services at Bajaj General says NRIOL and Bajaj General have been working together for quite sometime now and NRIOL has successfully delivered seamless customer service by making available Bajaj General travel insurance products to its customers online".
What are the advantages of Bajaj General student insurance compared to university insurance plans?
- The Bajaj General student medical insurance are designed specifically for Indian students studying abroad
- Bajaj General student travel insurance plans are charged in Indian Rupees with coverage in US Dollars and are much cheaper (usually 20% to 25% of University plans)
- Bajaj General student health insurance provides coverage throughout the country and are not limited to the college campus
- Indian student travel insurance also cover travel related expenses and health expenses far from University campus.
- Bajaj General student insurance also includes personal liability, sponsor protection, study interruption, baggage loss, trip delay, compassionate visit, repatriation of remains coverage.
- Compare features and see detailed plan comparisons between Student Companion, Elite, and Prime options.
Ready to get covered? Get a free quote above or view colleges and universities that accept our insurance.