Healthcare in the USA is costly, so Indian students on an F1 visa should get affordable international student health insurance to avoid high bills. University plans can be expensive, and since there’s no F1 visa insurance requirement, students can opt for cheaper private plans if waivers are allowed. Students should also compare international student insurance plans to find the best coverage at the most reasonable cost.
While in the US students may need emergency medical care and therefore it is recommended that students stay insured. Medical insurance for Indian students studying abroad can be bought at our website. Health benefits such as hospitalization expenses, emergency medical evacuation, dental treatment... are covered by these health plans.
It is true that all universities have insurance coverage available, however the plans that we offer are cheaper with similar coverage. We work with all the well known US insurance providers who offer F1 visa international student medical insurance. Indian students can compare different student travel insurance USA plans to find the best US student insurance for their needs.
The most recent annual "Open Doors" report on international students in the US indicates that Indian students numbering over 196,271 contribute about 17% to the total number of international students. US colleges are known worldwide for their academic and research rigor. It is estimated that approximately 30% of all international student in the world are either studying or have applied to study in the USA with Indian constituting the second largest nationality.
It is a wonderful opportunity for Indian students to study under noble laureates and renowned scholars from across the world who teach in American universities. Given the cost of healthcare in USA, it is important to buy good student travel insurance for Indian students in usa.
Covers doctor visits in case of sudden injury or sickness.
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Some plans cover high school sports activities.
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Repatriation of remains expenses to home country in case of death.
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Expenses from sudden dental pain and accidental dental injuries.
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Some plans offer coverage for pregnancy, maternity and new born.
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Student insurance who need coverage for existing medical ailments.
Know more »The cost of health insurance for an international student per month aged 20 years old.
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| Student Journey Lite IMG | $150,000 | $100 | $30 |
| StudentSecure Smart WorldTrips | $200,000 | $0 | $32 |
| Student Journey Plus IMG | $300,000 | $500 | $48 |
| StudentSecure Budget WorldTrips | $500,000 | $0 | $53 |
| Patriot Exchange IMG | $50,000 | $250 | $58 |
| Diplomat America Global Underwriters | $50,000 | $250 | $63 |
| Student Journey Platinum IMG | $500,000 | $250 | $74 |
| StudentSecure Select WorldTrips | $1,000,000 | $0 | $104 |
| Student Health Advantage Standard IMG | $500,000 | $250 | $115 |
Source:American Visitor Insurance®
The U.S. Department of State does not mandate specific health insurance requirements for F1 visa holders. However, most schools mandate health insurance for international students to register for classes.
Requirements for F1 visa student medical insurance for Indian students in USA will usually determined by your school, check with your school to see what coverage is mandatory to have, if any, you can find a plan that fits both your needs and the school’s requirements on American visitor insurance. Some schools require all international students to have school-sponsored insurance, while others allow students to purchase their own plan.
The cheapest health insurance for F1 students is offered by Student Journey Lite insurance plan, starting at just $30 per month. Other affordable student health insurance option includes Student Secure Smart insurance and Student Journey Plus insurance. This cost mainly depends on different factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
The best health insurance for international students in the USA are Student Journey Platinum by IMG, Patriot Exchange Program from IMG, StudentSecure Select from WorldTrips. Choosing the best health insurance for international students in the USA depends on factors such as personal health needs, budget, university insurance requirements, and visa status.
Ask if they provide the best health insurance for international students in the USA and whether enrollment in their plan is mandatory.
If your university offers a plan, determine whether you must purchase it or if you can choose an alternative plan that meets their standards.
If alternatives are allowed, compare the most affordable and best-rated F1 student health insurance options on American Visitor Insurance.
Compare university-offered insurance with alternative plans, considering price, coverage benefits, deductibles, co-pays, and exclusions.
If you have dependents, review options for F2 visa health insurance and J2 visa medical insurance to ensure everyone is covered.
Select the F1 student health insurance that fits your budget, meets your healthcare needs, and complies with university requirements.
After purchasing your plan, keep all documents you receive by email, as they may be needed for enrollment verification at your university.
Choosing the best health insurance for international students in the USA depends on personal needs, budget, university requirements, and visa status. Here are some top providers:
Best health insurance providers for international students in the USA are:Offers a wide range of plans like Student Journey, designed for international students seeking affordable coverage for medical expenses and hospitalization.
Provides plans like StudentSecure Smart starting at $31/month with $0 deductible, covering emergency medical expenses, evacuation, and repatriation.
Offers the Navigator Student plan with unlimited medical maximum, global provider access, and coverage for U.S. and international students.
or United HealthCare Policy maximum?
$50,000 to $5,000,000
Deductible options?
$0 to $500
Period of coverage?
1 month up to 12 months
Policy maximum?
$500,000
Deductible options?
$250
Period of coverage?
30 days to 12 months
Policy maximum?
$1,000,000
Deductible options?
$0
Period of coverage?
30 days to 364 days
or United HealthCare Policy maximum?
$500,000
Deductible options?
$250
Period of coverage?
1 month up to 12 months
Policy maximum?
$1,000,000
Deductible options?
$0
Period of coverage?
30 days to 364 days
or United HealthCare Policy maximum?
$1,000,000
Deductible options?
$100
Period of coverage?
1 month up to 12 months
If you’re an international student planning to study in the USA on an F1 visa, having the right health insurance is essential. Most universities typically require F1 students to have health insurance coverage for medical expenses, emergency medical evacuation, repatriation of remains, and often mental health or maternity care. To make sure you meet both university and visa requirements, explore our comprehensive guide on best F1 visa health insurance requirements in USA.
International students in the US come from different countries, with diverse economic backgrounds and face different financial needs. At American Visitor Insurance we offer health insurance for international students with flexible payment structures designed to make it more affordable and convenient, whether they are in the US for a semester or for an entire program spanning many semesters.
There are different student insurance payment options available depending on the insurer and the length of coverage. The payment options are mainly either monthly or yearly, and the purchase can be either by paper or bought online. Here are some details of the different payment options for international student insurance in the U.S.
| Payment Period | Highlights | Advantage | Disadvantage |
|---|---|---|---|
| Monthly | Monthly payments, with recurring installments | Flexible with small installments | Overall higher total cost, and time consuming, Student must remember to pay on time to keep student medical insurance active. |
| Yearly | Pay the full premium up front (for entire policy period usually one year) | Cheaper than monthly payments, no risk of losing coverage by oversight | Larger upfront cost |
| Method | Description | Speed | Highlight |
|---|---|---|---|
| Online Application | Complete online application and payment on American Visitor Insurance | Fast — Policy issued instantly | Most common and use Credit card |
| Paper Application | Complete paper forms and submit documents by post | Slower — Takes time (few days) to process | Can pay by Check |
There are quite a few US student health insurance for international students that cover sports activities. At American Visitor Insurance, we offer some of the best options tailored for international student athletes.
Choosing American Visitor Insurance for your F1 student health insurance or international travel insurance needs comes with several key benefits:
Choosing the right student health insurance is important to ensure you’re protected from high U.S. healthcare costs while meeting university requirements. Here’s how to choose the best student health insurance plan:
Yes. International students can apply and get medical insurance while studying outside their home country on American Visitor Insurance. In the United States, it is required for the students to have medical insurance in order to enroll in the University. Before purchasing health insurance, it is important to check the requirements of the University to which particular benefit coverage is mandatory. Some Universities make it mandatory for some particular benefits like mental illness, preventive care.
It is important to compare student medical insurance plans and choose the right plan and having the right health insurance plan for a student can ease the whole situation of staying in foreign country and managing unexpected health related issues.
While traveling in a foreign country, unexpected sickness or injuries can result in huge medical expense which can make a student's life difficult to deal with such situations. Some of the important reasons why students need travel insurance:
Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints. In order to choose the best plan based on the Indian students requirements and to get sufficient coverage from the health insurance plan for students from India, it is important to compare different features available in the best health insurance for Indian students in USA:
The following are important factors for comparing cheapest health insurance for Indian students plans:
Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.
There is no f1 visa health insurance requirements mandated by US consulates, and unless the University insists on the College insurance plans, India students can compare international student insurance plans offered by popular US student insurance providers and buy the F1 student health insurance that they like best. Their plans offer coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and more. They also have a wide range of deductibles and co-insurance options to choose from.
Patriot Exchange Insurance: This is a plan designed by International Medical Group (IMG) which is the best international health insurance for F2 visa holders. Patriot Exchange insurance can be bought by the F2 visa dependents even if the F1 visa student is not covered by the Patriot exchange plan. Their plans offer coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and more. They also have a network of providers that accept direct billing, which means you don’t have to pay upfront and file a claim later. The cost of their plans starts from $50 per month for individuals and $100 per month for families.
Yes, you can waive your school’s insurance plan if you buy a private student health insurance policy like those available on American Visitor Insurance that meets the university’s requirements. Some U.S. universities allow this through a formal waiver process. To qualify, your international student health insurance should offer a minimum coverage limit (such as $100,000 or more), a low deductible (usually under $500), and include essential benefits like emergency services, mental health care, maternity, and coverage for pre-existing conditions. If your plan meets these criteria, you can submit a waiver form along with proof of coverage before your school’s deadline. Always review your university’s waiver guidelines before buying insurance for students studying abroad.
Yes, Indian students studying in the U.S. are strongly encouraged to buy health insurance for students studying abroad, even though it’s not a legal requirement by U.S. immigration authorities. Most universities mandate valid student health insurance for enrollment, and students are often auto-enrolled in expensive school plans.
However, you can often waive this if you buy a comparable private student health insurance plan. Since U.S. healthcare is costly, having medical insurance for students studying abroad ensures that Indian students are financially protected from unexpected medical issues during their academic journey.
University waiver compliance allows students to choose an out of campus insurance by showing proof of equivalent international student health insurance. The private plan must usually offer these coverages:
Universities provide a waiver form outlining the minimum required benefits. Submit this form along with your insurance proof by the school’s deadline.
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Click here to read more »Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints. In order to choose the best health insurance for international students in USA based and to get sufficient coverage, it is important to compare different student health insurance usa benefits:
These are important factors to compare the best health insurance for Indian students in USA:
Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.
Yes, students from India can definitely get good student health insurance on the student F1 visa. F1 visa holding students can compare international student insurance plans offered by US student insurance providers and buy the F1 student health insurance that they like best.
The popular student insurance plans on our website are not aca compliant health insurance for international students, however international students insurance are not required to satisfy ACA requirements up to five years in the USA.
Yes, we do have student insurance plans for international students on a valid student visa, who are on Optional Practical Training (OPT) and are currently not taking any courses on campus.
In most cases, health insurance from India is not enough to meet the requirements of US universities and colleges. International students are usually required to purchase a specific health insurance plan offered by their institution or a private insurance provider in the US. Do also note that since US insurance preferred provider organization (PPO) network healthcare billing is significantly lower than regular hospital bills without PPO network in the United States, it is very useful to have US student health insurance offered by US insurance providers. Simply having US student health insurance can reduce your hospital bills in the United States even before the coverage pays anything.
Indian students can buy the insurance option provided by their educational institutions. Alternatively, students can compare student insurance plans on American Visitor Insurance which works with the best US insurance companies that specialize in offering student medical insurance coverage for international students. The plans offered on American Visitor Insurance are comparable to University insurance plans, but are significantly cheaper.
No, the US Department of State does not make it mandatory that F1 visa applicants buy medical insurance coverage during their stay in the US. However, even if not mandated by the US authorities, it is prudent for Indian students to buy US student medical insurance given the very high cost of healthcare in the country.
Yes, students can purchase insurance after arriving in the US, but it is recommended to arrange for student insurance before arriving in the United States. This ensures that students are covered from the moment they arrive on campus.
The cost of health insurance for Indian students studying abroad varies significantly depending on different factors such as the insurance provider, the age of the student, the deductible, the co-insurance, the medical coverage amount and the specific plan chosen.
Here are some key points to consider while buying health insurance for Indian students in USA in American Visitor insurance:
Keep in mind that student medical insurance USA costs can change over time, and there may be new plans or regulations in place since my last update. It's essential to research and compare different insurance options on American Visitor Insurance to find a plan that fits your specific needs and budget.
If you are an international student looking for health insurance, We recommend using the compare student insurance plans tool to explore the health insurance options available to you on American Visitor Insurance.
Yes, in fact many international students studying in the United States are required to have student travel insurance USA coverage to satisfy University needs. The specific requirements for best health insurance for international students varies depending on the educational institution, state regulations, and the type of visa the student holds.
Some key points to consider:
At American Visitor Insurance we offer the best international student insurance USA plans from top rated insurance providers.
"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance."
"Appreciate all the help that you provided me. It really worked well and I was able to purchase the student insurance policy."
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
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For a detailed breakdown of these factors and tips on choosing the right plan, visit our guide on the factors for buying best student health insurance plan.
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Read more »India is one of the more recent countries that US students are choosing to study in. The country has much to offer to US students being one of the oldest civilizations in the world, India impresses for its ability to celebrate human diversity in all its forms. With its population of 1.35 billion, India is home to over 15% of the global population.
Along with being an old civilization, India is also an technology powerhouse with a vibrant information technology industry, and is home to the research centers for many of the global companies. US students will find an Indian experience enriching both for it cultural experience as well as the opportunity to live in one of the 21st century economic growth centers.
US students while studying in India need to make sure that they have proper student health insurance which will work in India. There are excellent healthcare facilities in India which match western standards, but can be expensive if one is not insured.
Best health insurance for students studying abroad »
Indian universities offer a robust curriculum with sound theoretical and research study programs for its students. India is a great destination for students all over the globe due to its renowned rich culture and history, lower fees and great learning exposure. Many international students like to study in India as the education system is not complex yet effective. India welcomed about 49,348 international students for the year 2019-20 and aims to increase the number to fourfold by 2023.
India is also attractive to the large number of children of the Indian diaspora which is about 25 million globally and is about 4 million strong in the United States itself. According to the Institute of International Education Open Doors 2020 report there were over 3,300 US students studying in India.
US students studying in India need good student health insurance. Healthcare in Indian cities are excellent, but are also getting expensive and getting emergency treatment without insurance can result in huge large medical bills. US student insurance will offer coverage during unexpected medical emergencies that may arise while they are at the university, especially given the covid19 pandemic.
Good student medical insurance will cover medical expenses related to illness or injury. U.S. students should compare international student insurance options and choose a plan that offers coverage for both travel and medical emergencies. Many plans also include coverage for acute onset of pre-existing conditions and international sports activities. The best insurance plans for U.S. students studying in India are StudentSecure Smart, StudentSecure Budget and the Patriot Exchange Program. These plans offer essential coverage at affordable prices, ensuring students are well protected throughout their academic journey in India.
It's never too late to buy student travel insurance for Indian. The only time it is too late is if a person is already sick or injured. As long as the student is healthy, you can purchase a Indian student travel insurance to have coverage for future accident or illness. Compare and buy the best student travel insurance for Indian.
The cost for the India student travel insurance varies depending on the age of the student and the duration of coverage required. The older the student the higher will be the cost.
The longer the duration of India travel insurance required, the greater will be the cost. Our India student travel insurance quote comparison facility lists the travel insurance that satisfy your requirements comparing them based on price and benefit. Compare student travel insurance India and get free online.
The US student abroad cost ranges from $26 to $289 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
The best student health insurance abroad cost per month for an international student aged 20 years.
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| StudentSecure Smart WorldTrips | $200,000 | $0 | $26 |
| Patriot Exchange Program IMG | $50,000 | $250 | $39 |
| StudentSecure Budget WorldTrips | $500,000 | $0 | $47 |
| Student Health Advantage Standard IMG | $500,000 | $250 | $82 |
| StudentSecure Select WorldTrips | $1,000,000 | $0 | $80 |
| Student Health Advantage Platinum IMG | $1,000,000 | $25 | $246 |
| Navigator Student GeoBlue | Unlimited Coverage | $0 | $289 |
Source:American Visitor Insurance®
Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.
We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for F1 students studying abroad. Our international student insurance plan comparison facilities lists the travel insurance for students that satisfies the f1 visa health insurance requirements.
Students can find the affordable health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.
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