Overseas Student Travel Insurance 2026
Overseas Student Travel Insurance protects Indian students studying abroad against unexpected medical expenses, hospitalization, accidents, sponsor protection and study interruption. Compare student insurance plans online and buy coverage from ₹12/day to help meet university and student visa insurance requirements.
Why Buy Bajaj General International Student Travel Insurance?
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What are the key benefits of Overseas student travel insurance?
- Medical Coverage: The plan will cover you for illness or injury treatment abroad.
- Emergency Evacuation: You will be paid for evacuation to a medical facility or home.
- Trip Cancellation: You will get reimbursement of cost in case of trip cancellation or interruption.
- Lost/Stolen Belongings: Covers lost, stolen, or damaged personal items.
- 24/7 Assistance: Your will get round-the-clock emergency support.
- Personal Liability: Covers legal costs if you're responsible for injury or damage.
- Peace of Mind: The student insurance will ensure that you're protected and you can focus on your studies peacefully.
Most universities require proof of insurance before you can complete enrollment, and some visa interviews ask for it too. It's worth arranging your policy at least a couple of weeks before your enrollment deadline, so there's time to complete the waiver process if your university requires one.
How Much Does Bajaj General International Student Travel Insurance Cost in 2026?
Bajaj General Student Health Insurance for International Student travel Insurance from India costs between ₹12 to ₹52 per day for a 22-year-old student, depending on the plan type and coverage amount. Get your instant quote in 2 minutes →
*Price shown is for a 365-day trip to International Student travel Insurance for an adult aged 22. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
An Indian student insurance plan for a year in the US typically costs a fraction of what university-arranged coverage costs for the same period - while a single emergency hospital visit abroad without insurance can run into lakhs of rupees. Comparing the cost of the policy against even one semester's tuition puts the expense in perspective.
How to choose the best Overseas student travel insurance?
To choose the best overseas student travel insurance:- You must ensure that plan covers medical emergencies, trip interruptions, lost baggage, and personal liability.
- Know your university visa requirements and check if the policy meets it.
- You can compare plans on our portal for cost, coverage, and network hospitals at your destination.
- Policy wordings will be useful to read information about exclusions and claim processes.
- It is important to buy plans with good reviews and strong customer service.
Indian student medical insurance policies for overseas college education
An overviewIndian students registered in foreign universities should buy the student travel insurance india commonly known as student health insurance while studying in a foreign university. Student health insurance India is mandatory in most international universities, however even if it is not mandatory, student travel medical insurance is very strongly recommended while studying abroad given the high costs of healthcare overseas.
Many universities have their own student health insurance plans that is offered along with other education expenses. However the cost of these university plans are very high when compared to the Indian student insurance plans which are priced in Indian rupees. Some international universities do accept Indian student health insurance plans. The usual procedure is that the student is given "insurance wavier form" which the student is required to have completed by the Indian insurance provider. He/She should then submit the completed wavier form to the university. Once the student submits the wavier form, the university will verify this with their requirements and approve the Indian student health insurance as an alternative to the university plan. In case the university rejects the wavier form for non-fulfillment of eligible criteria, then the student can cancel his / her insurance purchased from the Indian insurance provider by providing the university rejection letter and he / she will get the pro-rata (refund for unused policy period) refund.
If the student is unsure whether the university will accept the Indian insurance plans, he/she can buy the student travel insurance India plans for a short duration say just for one month and after getting approval from the university for using the Indian student plan, extend the best insurance policy for students for the duration of his/her education in the college.
The eligibility requirements to satisfy wavier from the university insurance varies from one university to another. There are a few common policy benefits like policy maximum for medical expenses, medical evacuation, medical repatriation, deductible, cover for pre-existing diseases, doctor visits…. Some of other benefits might be cover for maternity, alcohol and drug abuse, HIV, mental and nervous disorder coverage, emergency dental pain, cover for sports. Indian student health insurance plans are designed to cover the above listed coverage benefits. Compare and buy best travel health insurance for students in India students!
Not sure if your university will accept an Indian plan?
Talk to a student insurance specialist about your university's waiver requirements - no form, no obligation.
📞 Call (080) 41101026 💬 WhatsApp UsAdvantages of Indian student insurance plans when compared to international student options
The biggest advantage of an Indian student medical insurance plan is that it is significantly cheaper than most international university student insurance plans. For example, US university plans cost close to USD $2000 for annual coverage, while the Indian student plans range from USD $ 300 to USD $500.
Indian student medical insurance while covering healthcare also benefits like study interruption, sponsor protection, bail bond, compassionate visit, baggage loss, baggage delay, loss of passport etc which will not be available in typical international university plans. Students do have the option of buying student health insurance India plans as an additional plan along with the university insurance. Compare and buy health insurance for students in India.
Indian student health insurance destination options
The following are the main destinations considered in Indian student insurance plans. The price of the insurance plan varies based on the destination.
- Student traveling to USA or Canada has to the buy the worldwide coverage policy. He / she can buy the medical insurance for students studying abroad as per his/her requirements.
- Student traveling to outside USA and Canada should buy the worldwide excluding USA & Canada policy. Students going for UK (health insurance for Indian students in UK), Australia, Singapore and Schengen countries for studies buy this plan.
- Very few Indian insurance providers offer student health insurance plans for Asian countries. They are usually cheaper than the other two above plans. Students traveling to Asian countries for studies can buy these plans. It is advisable that the student get in touch with the insurance advisor before buying student insurance policy as some countries like Japan are not covered under the Asian insurance plans.
Duration of Indian student insurance plans
Indian students can buy the study insurance in india either for 1 month, 1 year or 2 year as per his / her requirements. There are few companies which offer insurance for 2 years at one stretch while other companies allow for one year and successfully renew the policy for next year.
How Much Does Student Travel Insurance from India Cost?
For a 25-year-old student heading to the USA for one year with USD 500,000 coverage, Indian student insurance plans typically range from around ₹26,000 to ₹38,000 for the full year - compared to university-arranged plans, which can cost the equivalent of ₹1,60,000 or more for the same period. For destinations in Europe, the UK, Australia, and Asia, premiums are generally lower still. As a rough guide, Indiian insurance works out roughly to be 4 to 5 times cheaper than the university sponsored insurance.
Not sure if your university will accept an Indian plan?
Talk to a student insurance specialist about your university's waiver requirements - no form, no obligation.
📞 Call (080) 41101026 💬 WhatsApp UsWhat If My University Rejects the Insurance Waiver?
If your university rejects the waiver form usually because the Indian plan doesn't meet a specific minimum requirement you can cancel the policy and receive a pro-rata refund for the unused period, provided you submit the university's rejection letter. This is why we recommend buying a short-duration policy first if you're unsure whether your university will accept an Indian plan, then extending it once approval comes through.
Alternatively, get the university insurance requirements, check for suitable Indian student health insurance plans which meet your university insurance requirements or get in touch with our NRIOL insurance advisors who will suggest you the best plan after going through the university benefits list. Buy that plan, our advisors will also help you in getting the waiver form filled by the respective insurance company which in turn when submitted by you to the college will be easily accepted.
What Is Tuition Fee Cover, and Do I Need It?
Tuition fee cover reimburses tuition fee paid in advance for the current semester if your studies are interrupted for a covered medical or due to any reasons as mentioned in the policy schedule. For example, a serious illness that forces you to withdraw partway through the term. Please go through the policy terms and conditions understand the plan benefits.
Does Student Insurance Cover Mental Health Support?
Coverage for mental and nervous disorders varies significantly between plans some offer outpatient counselling support, while others cover only inpatient psychiatric treatment, and some exclude it altogether. Given how common adjustment stress is during the first year abroad, it's worth specifically asking about outpatient mental health coverage limits before choosing a plan, rather than assuming it's included. Check you student university insurance requirements and take a call whether you want to include this benefit or not as some insurance plans offer this benefit as an add-on benefit.
Planning a Multi-Year Course? Here's How Renewal Works
Most Indian student insurance plans can be purchased for one, two or three years at a time, and renewed for the remaining duration of a longer course as per policy terms and condition. Set a reminder about a month before your policy's expiry date so there's no coverage gap a lapsed policy can complicate both claims and future university compliance checks.
Also talk to our NRIOL insurancce advisor to confirm that you will be covered for your entire course incluidng your renewals so that you can concentrate on your studies than bothering on your student health insurance cover while you are in overseas.
What Does It Actually Cost to Study Abroad Without Insurance?
A single emergency room visit in the US can cost the equivalent of ₹40,000–₹80,000 before any treatment begins, and a short hospital stay can run into several lakhs of rupees. Against an annual student insurance premium that's typically a small fraction of one semester's tuition, the insurance coverage cost is a minor addition to your overall study budget and one that protects the much larger investment you're already making in your education.
Indian Students Studying Abroad: Quick Facts
- India has one of the largest populations of internationally enrolled students in the world, with hundreds of thousands studying across more than 80 countries
- The United States remains the single largest destination, followed by the UK, Canada, and Australia
- Most universities require proof of health insurance before completing enrollment, whether through a university plan or an approved external provider
What You'll Need Before You Start the Quote Form
- Know when you are leaving India
- Know your return date to India
- Know your university insurance requirements (if any)
- Know your personal details as per passport as you need these to be filled while filling the proposal form and completing the online purchase.
International student insurance India - FAQ's
Most of the colleges and universities in the US insist that international students have adequate student health insurance. It is advisable to buy the best student health insurance while studying in an US university. Most universities require that the network of hospital must be close to the campus, coverage for out patient expenses, ambulance charges, maternity, mental illness and sports injuries. The best student travel insurance plans in India are much cheaper when compared to US university insurance options, while providing comparable coverage.
International student health insurance cost depends on different factors. The important factors are the age of the student, study destination, the maximum medical coverage, the deductible, coinsurance as well as coverage for optional requirements like maternity, sports, pre-existing condition. Typically the cost of student insurance coverage in the US is most expensive followed by Europe and Asia.
Yes International students need to buy health insurance to cover emergency medical expenses, study interruption, sponsor protection, mental health, passport loss, baggage loss, compassionate visit. In a foreign country like the US where health care is sophisticated but the cost of medical treatment is very high, being forced to go to an US hospital can be financially catastrophic.
International student health insurance covers medical expenses for students pursuing their studies in a foreign country. In case the student suddenly falls sick or sustain injuries due to accident and gets admitted to the hospital. The health insurance will pay the hospital bills, ambulance charges, doctor and physician visits as per the policy terms and conditions. This will protect the student from paying huge medical bills which can be traumatic. Indian student insurance plans also provide benefits like sponsor protection and compassionate travel for family members which are not available in India international student insurance plans.
Yes, international student health insurance is available for all Indian students provided they are enrolled as a full time student in foreign university and satisfy the age requirements indicated on the insurance terms and conditions. However Indian insurance companies have also designed student travel insurance plans which satisfy the student university requirements.
Standard travel insurance and student travel insurance are not the same thing. A regular travel insurance policy is built for short trips and typically doesn't cover long-stay needs like study interruption, sponsor protection, or multi-year renewal. Student travel insurance is purpose-built for the length and nature of an academic stay abroad, and is the version most universities will accept for their insurance waiver process - a standard short-term travel policy usually will not be accepted.
Yes most of the colleges and universities offer international student health insurance when a student enrols as a full time student. However these health insurance plans are more expensive. Indian companies offer university comparable student insurance coverage with competitive benefits for Indian students going overseas.
To access affordable healthcare and focus on your studies peacefully you must be covered under student health insurance coverage. You need not have to worry about unexpected medical expenses.
Student health insurance plans offer coverage for hospitalization, outpatient consultations, prescription medications, preventive care, and mental health support. You will also get coverage for dental care, maternity benefits, and pre-existing conditions under some plans.
Compare plans based on coverage, premium costs, network hospitals, and additional benefits like mental health support or international emergency assistance.
If you are sick or injured abroad it can lead to high medical costs, not having student health insurance can be risky since you have to our of pocket for healthcare expenses. There is also chances of delay in getting treatment without insurance coverage especially in case of emergencies. Usually mental health support like therapy will be covered under insurance. Lack of proper student insurance coverage can lead to financial strain and difficulty in managing pre-existing conditions. Some schools or countries mandate health insurance for student visa or enrolment.
There are several benefits under student health insurance like coverage for doctor visits, hospital stays, and emergencies. You can get access to healthcare services such as check-ups, vaccinations, and mental health support. When you are studying abroad its best get global coverage for emergencies and some countries and schools require it. Also it will give you peace of mind knowing that you have proper coverage in case of emergencies like illness or injury.
Student Insurance India, Insurance for students in India
Indian Insurance companies offer wide range of overseas student travel insurance plans for Indian students studying in USA, UK (health insurance for indian students in UK), Australia, Germany, France, Canada… Student medical insurance india offer comprehensive coverage for medical expenses, emergency medical evacuation, personal liability, bail bond, compassionate visit of a family member.
Students travel insurance comparison and purchase of student overseas travel insurance plan can be completed online. You can view frequently asked questions here. Feel free to contact our customer support for clarifications and specific details.
Student insurance for Indians - Useful links
You can buy insurance online by using a credit/debit card, UPI, direct funds transfer using NEFT or RTGS or by using a cheque.
Student medical insurance for Indian students already outside India.
Get all the answers to the most frequently asked questions (FAQs) regarding international student medical insurance.
In case of Claim or reimbursement of treatment expenses, notify student travel medical insurance.
Useful discussions and forum entries for best international health insurance for students studying abroad.
Students can renew their existing policy online before the exipry date at any time.
List of some of the Universities whose students have purchased student insurance in the past.
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