Student travel insurance from India
Student travel insurance from India covers medical treatment, evacuation and personal belongings while you study abroad. We hold 400 live premiums across 6 student plans from 4 Indian insurers, with cover from USD 50,000 to USD 1,000,000 and durations up to 365 days. Premiums start at ₹480. It is not the same thing as the health plan your university may require — see below.
Every premium on this page is read live from the insurers’ own published student rate charts. We sell nothing and take no commission from any insurer.
Read this before you buy for a US university
An Indian student travel policy will very often notsatisfy an American university’s insurance requirement. There is no US federal law forcing F-1 students to be insured, but most universities impose their own Student Health Insurance Plan, and waiving it needs an ACA-compliant plan. Typical waiver conditions are a deductible no higher than USD 500, full cover for preventive care, at least USD 50,000 for medical evacuation and USD 25,000 for repatriation.
An Indian travel policy is generally not ACA-compliant. It is still worth holding for the journey, your belongings and cover outside the campus plan — but check your university’s written waiver rules first, and remember a waiver lasts one academic year and must be applied for again.
What it costs
Cheapest premium in each duration band, across all 4 insurers, both regions and every sum insured we hold.
| Length of stay | From | Up to |
|---|---|---|
| 1 to 30 days | ₹480 | ₹9,680 |
| 31 to 60 days | ₹878 | ₹14,848 |
| 61 to 90 days | ₹1,411 | ₹21,219 |
| 91 to 120 days | ₹1,715 | ₹29,597 |
| 121 to 180 days | ₹1,715 | ₹29,597 |
| 181 to 240 days | ₹2,887 | ₹46,608 |
| 241 to 270 days | ₹2,902 | ₹46,608 |
| 271 to 365 days | ₹4,807 | ₹58,376 |
Cover is priced in bands, not per day — a 200-day and a 240-day course cost the same.
The 4 insurers we hold student rates for
IndusInd
1 student plan
From ₹480
Bajaj Allianz
2 student plans
From ₹552
Tata AIG
1 student plan
From ₹1,051
ICICI Lombard
2 student plans
From ₹1,053
Regions
- Worldwide excluding USA & Canada
- Worldwide including USA & Canada
Including the USA and Canada roughly doubles the premium on most plans — American medical costs are the single biggest driver of price.
Sum insured
8 options, from USD 50,000 to USD 1,000,000.
If your university publishes a minimum, match it. Otherwise the sum insured is your own judgement about worst-case medical costs where you are going.
What each destination actually requires
United States
No federal insurance requirement for an F-1 visa, but nearly every university has its own mandate and its own waiver rules. Assume you will be paying for the campus plan unless your university tells you otherwise in writing.
United Kingdom
The Immigration Health Surcharge — £776 a year for students in 2026 — gives NHS access for the length of your visa. It excludes eye tests, dentistry and prescriptions, and covers nothing to do with your journey or belongings.
Schengen area
At least €30,000 of medical cover including evacuation and repatriation, valid across the Schengen area — Article 15 of EU Regulation 810/2009. What that means in practice.
Common questions
Does Indian student travel insurance satisfy my US university?
Usually not, on its own. There is no US federal law requiring F-1 students to hold insurance, but the great majority of American universities mandate their own Student Health Insurance Plan. To waive it you must show an ACA-compliant plan, and typical waiver conditions include a deductible no higher than USD 500, 100% cover for preventive care, at least USD 50,000 for medical evacuation and USD 25,000 for repatriation. An Indian travel policy is generally not ACA-compliant, so it does not waive the university plan. Read your university's exact waiver rules before buying, and note the waiver is granted for one academic year at a time.
Do I need it for the UK if I have paid the Immigration Health Surcharge?
The IHS — £776 per year for students in 2026 — gives you NHS access for the length of your visa, so you do not need a policy for routine NHS treatment. It does not cover eye tests, dentistry or prescriptions, and it does nothing for your flights, baggage or belongings. Travel insurance in the UK is supplementary, not a replacement.
What does a Schengen student visa require?
At least €30,000 of medical cover valid across the Schengen area, including emergency treatment, evacuation and repatriation. That is set by Article 15 of EU Regulation 810/2009. Every Schengen plan we hold is written to that minimum or above.
How long can a student policy run?
Up to 365 days, which covers a full academic year. Cover is priced in duration bands rather than by the day, so a 200-day course and a 240-day course fall in the same band and cost the same. Cheapest year-long cover we hold is ₹4,807.
How much does student travel insurance cost from India?
From ₹480 for a short trip to ₹58,376 for the highest sum insured over a full year. The two things that move the price most are whether the USA and Canada are included, and the sum insured you pick — 8 options between USD 50,000 and USD 1,000,000.
Is a separate student plan better than a normal travel policy?
For a course abroad, yes, usually. Student plans are built for stays measured in months rather than weeks, and commonly add things a holiday policy has no reason to carry, such as study interruption and sponsor protection. A standard single-trip policy is priced per day and becomes poor value over a semester.
See your actual premium
Pick Student in the comparison tool, choose your region, sum insured and length of stay, and every matching plan appears with its real price. Free, and we take no commission.
Compare student plansSources for the non-price facts on this page: US university insurance mandates and ACA waiver conditions; UK Immigration Health Surcharge rate for 2026; Article 15 of EU Regulation (EC) No 810/2009 for the Schengen minimum. University rules change and vary — always confirm with your own institution in writing.