Best Affordable Student Insurance for USA Universities
Looking for the best student insurance for USA universities? Bajaj General offers affordable student insurance for Indian students in USA - plans from ₹22/day*, covering medical care, emergency evacuation, visa-compliant insurance, tuition protection, and 24/7 travel support.
Why Buy Bajaj General Student Insurance?
Trusted by 15,500+ Students
How Much Does Bajaj General Student Insurance for USA from India Cost in 2026?
The Bajaj General Student Health Insurance for USA from India costs starts at ₹22 per day for a 22-year-old student, depending on the plan type and coverage amount.
*Price shown is for a 365-day trip to USA for an adult aged 22. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
Best Health Insurance for Indian Students in USA, USA
Finding the best health insurance for Indian students studying in USA requires balancing cost, coverage, and university compliance. Bajaj General's student plans are widely recognized as the best student insurance for USA universities because they combine comprehensive medical benefits with affordable premiums - all payable in Indian rupees while you receive coverage in US dollars.
Whether you are joining USA University, Bajaj General's plans are structured to meet or exceed the health insurance requirements set by these institutions. As a trusted provider of student medical insurance for USA from India, Bajaj General has helped over 15,500 students secure coverage before departure.
University-Accepted Coverage
Plans accepted by USA Universities. Proper benefit tables provided for waiver submission.
F1 Visa Compliant
Plans meet university requirements for F-1 visa students, including minimum coverage thresholds and emergency evacuation benefits.
Pay in ₹, Covered in $
Premium paid in Indian rupees. Medical bills reimbursed or paid cashless in US dollars - no foreign exchange hassle for your family.
What Are The Health Insurance Coverage Options for Indian Students Studying at USA?
Bajaj General offers several insurance plans for international students, including the Study Companion, Student Elite, Student Prime, each designed to provide comprehensive coverage for students studying abroad.Student Companion
- Coverage Range: $50,000 – $200,000
- Sponsor Protection: $10,000
- Includes: Medical expenses, evacuation & repatriation
- Additional Benefits: Emergency dental, Tuition fee, Personal accident
- Other Coverage: Accident to sponsor, Family visit
- The cheapest travel insurance from Bajaj General is the Student Companion Plan starts at ₹22/day*, offering multiple student-friendly benefits.
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Policy Maximum ?
$50,000 – $200,000 -
Sponsor Protection ?
$10,000 -
Starting Premium
₹22/day*
Student Elite
- Coverage Range: $50,000 – $200,000
- Sponsor Protection: $10,000
- Includes: Medical expenses, evacuation & repatriation
- Add-on Options: Mental & Nervous disorders, Maternity & Pre-existing
- Additional Benefits: AD&D common carrier, Bail Bond
- Extended Coverage: Emergency dental, Personal accident, Tuition fee, Family visit
- The Student Elite plan premium starts at ₹25/day*, offering enhanced and comprehensive coverage options.
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Policy Maximum ?
$50,000 – $200,000 -
Sponsor Protection ?
$10,000 -
Starting Premium
₹25/day*
Student Prime
- Coverage Range: $50,000 – $1,000,000
- Sponsor Protection: $10,000
- Special Benefits: Suicide & Loss of Laptop cover for $300,000+ coverage slabs
- Includes: Medical expenses, evacuation & repatriation
- Coverage Duration: Initial 1-year purchase, renewable up to 3 years
- Extended Benefits: Emergency dental, Personal accident, AD&D, Bail Bond, Tuition fee, Family visit
- The Student Prime is considered the best travel insurance plan from Bajaj General, starts at ₹31/day*, offering comprehensive coverage with additional security benefits.
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Policy Maximum ?
$50,000 – $1,000,000 -
Sponsor Protection ?
$10,000 -
Starting Premium
₹31/day*
What Is Student Travel Insurance?
Student travel insurance is a specialized form of coverage designed for high-school and college students traveling away from USA & Canada-whether for study abroad programs, internships, research exchanges, conferences, cultural programs, or personal trips. It helps protect students against unexpected financial losses or travel emergencies during their stay overseas.
Why Students from USA & Canada May Need Travel Insurance
USA & Canadan students frequently travel for academic programs through universities such as the University of Vienna, TU Wien, University of Graz, University of Innsbruck, and others. These academic or cultural exchange programs often require travel insurance because:
- Domestic USA & Canadan health insurance (ÖGK, BVAEB, SVS) may offer limited or no coverage outside USA.
- Certain countries require proof of travel insurance for visa issuance (e.g., USA, Canada, USA & Canada).
- University or Erasmus-related trips may require minimum medical coverage.
- Students may engage in excursions, fieldwork, volunteering, or sport activities that involve higher risk.
Student Insurance for F1 Visa Students in USA - What You Need to Know
As an Indian student on an F-1 student visa in the USA, having valid student insurance for F1 visa USA is not just recommended - most universities mandate it as a condition of enrollment. Here is what F-1 students must understand before selecting a health plan:
What F1 Students Need from a Health Insurance Plan
- Minimum Coverage Threshold: Most USA universities require a policy maximum of at least $50,000 per accident or illness. Bajaj General plans start at $50,000 and go up to $1,000,000 well above the minimum requirement.
- Emergency Evacuation Coverage: F-1 visa students must have emergency medical evacuation included. All Bajaj General student plans include this benefit.
- Mental Health Coverage: Student Elite and Student Prime plans include coverage for mental and nervous disorders - an important benefit for students managing academic pressure far from home.
- Sponsor Protection: If your sponsoring parent or guardian passes away due to an accident, Bajaj General reimburses up to $10,000 toward remaining tuition fees - a benefit uniquely designed for Indian students.
- OPT and CPT Extension: Completing Optional Practical Training (OPT) or Curricular Practical Training (CPT) after your coursework? Your Bajaj General policy can be renewed to cover your extended stay in the USA.
- University Waiver Eligibility: Bajaj General provides all documents - including a benefits table needed to apply for a health insurance waiver at your USA university. Most waivers are approved within 48 hours when documentation is complete.
What Student Travel Insurance Typically Covers?
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A. Medical & Health Protection
- Emergency medical treatment
- Hospitalization and urgent care
- Emergency medical evacuation
- Repatriation of remains
- Coverage for injuries during common academic or cultural exchange activities
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B. Trip Protection
- Trip cancellation due to illness, injury, or other covered reasons
- Trip interruption and delays
- Missed connections
- Coverage for travel supplier default
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C. Personal Belongings & Travel Issues
- Lost, damaged, or stolen baggage
- Passport replacement assistance
- Coverage for stolen electronics (depending on plan)
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D. Assistance Services
- 24/7 international emergency assistance
- Help locating medical care abroad
- Translation and communication support
- Emergency travel assistance during natural disasters or political unrest
Special Considerations for Students from USA & Canada
- Study-Abroad Requirements: Many foreign universities require specific coverage limits for international students.
- Sports & Adventure Activities: Students participating in hiking, skiing, mountaineering, or adventure activities may need additional coverage.
- Driving Internationally: Students renting vehicles abroad may require supplemental car-rental insurance.
- Internships or Work Abroad: Some training programs require personal liability or professional liability insurance.
Bajaj General Student Insurance for USA & Canada: How It Works
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How to Buy Bajaj General Student Insurance Online - Step-by-Step Guide
Buying student medical insurance for USA from India through NRIOL takes less than 10 minutes. Here is the complete process for Indian students and their parents:
1Enter Your Travel Details
Use the Get Quote form at the top of this page. Enter your date of birth, travel start date, end date, and destination (select "Including USA & Canada" for USA). Add your mobile number and email to receive the quote instantly.
2Compare Plans & Choose
Review the Companion (₹22/day), Elite (₹25/day), and Prime (₹31/day) plans side by side. If your university is USA, the Prime or Elite plan is strongly recommended for waiver approval.
3Upload Documents
Upload a clear copy of your passport (photo page) and your university I-20 form. These are needed to issue the policy in the correct name and coverage period.
4Pay in Indian Rupees
Pay using UPI, credit card, debit card, net banking, NEFT, RTGS, or cheque. No foreign currency needed - the entire premium is in Indian rupees. You receive an instant payment receipt.
5Receive Policy Instantly
Your international student insurance for USA policy PDF is emailed within minutes. It includes your certificate of insurance - ready to submit to your university or the US consulate for your F-1 visa appointment.
6Submit University Waiver (if required)
NRIOL provides the university-format benefit table needed for your waiver application at USA and other USA institutions. Most waivers are approved within 24–48 hours of submission.
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Real Student Case Examples
Case 1: Emergency Room Visit
A student traveling in USA suddenly experienced severe abdominal pain and required immediate hospitalization.
- Location: USA
- Medical Situation: Emergency surgery for appendicitis
- Emergency Costs: USD 8,900 (treatment, surgery, hospitalization)
- Insurance Response: Claim processed quickly after submitting reports
- Outcome: Full reimbursement within 14 days
Case 2: Insurance Waiver Approved
A student applied to use existing coverage instead of the university’s in-house policy.
- Location: University in the United States
- Process: Waiver form, benefits table submitted
- Outcome: Waiver approved in 48 hours
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Buy, Renew, or Extend Policy
Buying from India
Students can easily purchase a Bajaj General policy before departure:
- Instant online enrollment
- Digital KYC
- Policy PDF emailed immediately
- Coverage aligned with university requirements
Buying After Arrival in the USA
Indian students who have already reached the United States can still purchase the policy with conditions:
- Subject to insurer approval and case to case basis
- Documents required:
- Passport copy
- Valid visa
- University ID or admission proof
- Approval in 24–48 hours
Renewal & Extension
- Renew before expiry to avoid gaps
- Required: Passport + previous policy copy
- Premium only for extended period
- Annual renewals available
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Exclusions & Limitations
Students should be aware of conditions that are not covered or may have limitations:
1. Pre-existing Diseases
- Not covered immediately
- May have a waiting period
2. Routine Checkups
- General health checkups excluded
3. Vision & Dental
- Only emergency dental treatments covered
4. High-Risk Sports
- Extreme sports excluded unless added as riders
5. Pregnancy
- Pregnancy care typically excluded
6. Mental Health
- Limited coverage for psychiatric care
International Student Insurance – USA & Canada | Disclaimer
The information provided on this website is intended solely as a general resource for international students seeking health insurance options for travel to or from USA & Canada. This content is informational and should not be interpreted as creating, suggesting, or implying any affiliation, endorsement, or official relationship between any USA & Canadan university and our organization.
Students are strongly advised to verify directly with their educational institution in USA & Canada to confirm whether any referenced health insurance plan meets university-specific requirements for student, exchange, or visa-related coverage.
Universities in USA accepting Bajaj General Student Insurance
Travel Safe to USA & Canada with Bajaj General Student Insurance
How can I extend or renew my Bajaj General student travel insurance while studying at USA & Canada
Students who have travelled from India to the USA to study at USA & Canada with a valid Bajaj General student travel insurance policy, and need to extend their stay, must renew or extend their policy to ensure uninterrupted coverage. Many students may need an extension due to academic requirements, delayed semesters, OPT/CPT periods, or extended course duration.
Follow these simple steps to renew your student insurance online:
- Click the URL extend or renew Bajaj General student insurance online .
- Fill in the renewal form with accurate personal and policy details.
- Our insurance support team will receive your renewal request instantly.
- The request will be forwarded to the Bajaj General head office for review and approval.
- Approval or rejection typically happens within a few hours (maximum 1 working day).
- If approved, you will receive a secure payment link to complete the premium payment for renewal.
- Upon successful payment, your renewed Bajaj General policy will be emailed to you.
- If your request is rejected, our advisors will reach out with suitable alternative insurance options (if applicable).
Why Buy Bajaj General Student Insurance for USA Universities?
Choosing the right health insurance for Indian students studying in USA is one of the most important decisions before departure. Here is why over 15,500 students have trusted Bajaj General through NRIOL for their international student insurance USA needs:
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verifiedUniversity-Accepted Across USA
Bajaj General's plans are structured to meet each institution's specific waiver criteria. NRIOL provides the correct documentation format for every major USA university.
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currency_rupeeAffordable Premiums in Indian Rupees
Affordable student insurance for Indian students in USA - pay in ₹, get covered in $. Starting at just ₹22/day with 0% GST, there are no hidden charges or foreign exchange fees for your family.
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school20+ Years Serving Indian Students in USA
NRIOL has been India's trusted provider of student medical insurance for USA from India since 1997. Our team understands the exact documentation needs of F-1 visa students at USA universities.
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support_agent24/7 Emergency Support in the USA
Whether it is an ER visit at an Atlanta hospital or a medical evacuation mid-semester, our round-the-clock global emergency assistance team ensures Indian students in USA are never left without support.
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family_restroomSponsor & Family Protection Built In
All plans include ,000 sponsor protection - if your parent or guardian passes away due to an accident, Bajaj General covers your remaining tuition fees. Family visit benefits are also included across all three plans.
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autorenewEasy Renewal for OPT/CPT & Extended Stays
Staying on for OPT or CPT after graduation? Your Bajaj General policy can be renewed online in minutes. The Student Prime plan supports renewals for up to 3 years total - covering your entire academic journey in USA.
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shopping_cartHow to Buy the Plan?
Buy Student Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
Know more » -
assessmentStudent outside India
Students already outside India without insurance? We can try to get special approval to buy Bajaj General student insurance online.
Know more » -
assignment_turned_inHow to Make a Claim?
For Claim or reimbursement, Contact Bajaj General via toll-free helpline.
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descriptionBajaj General Student Brochure
Download Bajaj General Student Insurance brochure online!
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autorenewBajaj General Policy Renewal
Renew your Bajaj General Student insurance policy online anytime before expiry.
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Student Destinations
Discover Popular Student Destinations with Bajaj General Travel Insurance
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".
FAQs of Bajaj General travel insurance for students studying overseas
Bajaj General medical insurance for students studying abroad come in 3 variants namely Companion, Elite and Prime. The plans vary with the benefits and coverage. Below are the some of the key features which the policies provide.
- After deductible, cashless hospitalization for more than 24 hrs. stay in the hospital in overseas.
- After deductible, outpatient medical expenses are on reimbursement basis.
- Most of the policies cover for emergency medical evacuation and repatriation benefits.
- Custom made plans to suit the overseas university requirements.
- Health insurance cover in foreign countries ranging from $50,000 to $1,000,000 US dollars
- Pay the premium in Indian rupees and get health coverage in US dollars.
- Cancellation of the policy in case of rejection by the university.
- Covers for compassionate visit, study interruption and sponsor protection.
- Covers for mental and nervous disorders, bail bond and more.
Yes most of the foreign universities accept the Bajaj General student health insurance.
You can cancel the Bajaj General student travel insurance provided you have to provide the proof of rejection letter from the university.
When the insurance application and the payment is completed online, you will immediately get a confirmation email along with insurance details. You will then get a policy document in the PDF format by email (within a few hours and at most within one working day). The policy document will have your name, policy number, insurance company's contact information such as the toll-free telephone number and the address where claims should be submitted.
It is very simple to purchase insurance online. Click on the 'Buy' to get relevant online application and complete it with required details. The premium payment can be completed by using a credit/debit card. An email acknowledgment will be received after the premium payment and the policy will be emailed within 1 business days. The coverage will start from the start date as indicated on the form.
Travelers can use credit card (Indian/international) and Indian debit cards to buy Bajaj General travel insurance. Travelers can also use a cheque to buy Bajaj General travel insurance policy.
When students travel internationally for higher education, they need to ensure that their health and stay overseas is insured. While international travel insurance has coverage benefits for the international traveller, Bajaj General student insurance along with most travel insurance benefits, also has benefits unique to the needs of Indian students while outside India. Some of the unique student coverage benefits are sponsor protection, compensation in case of study interruption, compassionate visit by family members
The best student insurance for USA universities depends on which institution you are attending and the coverage level it mandates. As a general guide:
- Student Companion (₹22/day) - Ideal for universities with basic coverage requirements. Covers $50,000–$200,000 in medical expenses and includes sponsor protection and tuition fee benefit.
- Student Elite (₹25/day) - Best for mid-tier requirements. Adds mental health, maternity add-on options, bail bond, and AD&D coverage. Widely accepted for waiver at USA Universities.
- Student Prime (₹31/day) - Recommended for USA University, which often require higher maximum benefits. Covers up to $1,000,000 and includes laptop cover for higher-tier slabs.
All three plans are structured as university accepted student insurance USA plans - NRIOL provides the benefit summary in the format required by most USA institutions for waiver approval.
The most affordable student insurance for Indian students in USA from Bajaj General is the Student Companion Plan, starting at just ₹22 per day for a 22-year-old student on a 365-day policy. For the full academic year, this works out to approximately ₹8,030 per year - significantly lower than what most US university insurance plans charge.
Key reasons the Companion plan is affordable without compromising coverage:
- Medical coverage up to $200,000 - above the minimum required by most USA universities
- Emergency evacuation included at no extra charge
- Premium paid in Indian rupees - no currency conversion fees
- 0% GST applicable on policies purchased through NRIOL
For students at universities that require higher coverage, the Student Prime at ₹31/day is still far more affordable than purchasing insurance locally in the USA.
Yes. One of the key advantages of Bajaj General's student medical insurance for USA from India is that it can be purchased entirely by the student's family from India - before the student departs. The process is 100% digital:
- Parents fill out the Get Quote form on this page with the student's details
- Upload the student's passport and I-20 document
- Pay in Indian rupees using any Indian payment method
- The policy PDF is emailed to the student and the family simultaneously
The student can carry the policy PDF to the US consulate for their F-1 visa interview and submit it to the USA university's international student office on arrival. No visit to an insurance office is required.