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Health Insurance Plans for Students Studying Abroad

Updated On Nov 08, 2020

Health Insurance covers the whole or a part of the medical expenses that occur in a person’s life. These expenses can be hospitalization costs, Consultation fees and medicine costs. It is defined as the coverage that provides for the payments of benefits due to sickness or injury. 
For students, who intend to go to foreign countries to pursue further education, health insurance is compulsory.

Read more: Health Insurance Facts for Students Travelling Abroad to Study!

How To Choose Health Insurance For Studying Abroad?

Choosing an insurance policy that fits all the necessities of the consumer can be done using the following steps:

  • Deciding the Right Policy: The consumer or student should determine what they are looking for in an insurance policy before applying for one as that would make the process that much more efficient. Factors to be considered are - where one is planning to go to study, the minimum amount payable and other essential details.
  • Searching Online for Policies: The predetermined qualities are now looked up online to find the possible insurance policies that would be best suited for the individual. The policies can also be found by meeting with a professional who deals in these aspects.
  • Finding Out the Details of the Policies: To pick one of the policies, the consumer has to use or match certain qualities and aspects of the policy like minimum amount to be paid, the term of payment, i.e., how many months one would have to pay the amount and other technical details.
  • Picking the Best One: After sorting through all the possible insurance policies, the consumer can pick the best one suited for them, which includes all their requirements. The consumer may be eligible for most policies if they are between the ages of 16 and 35 as those are the usual ages of people seeking Student Health Insurance policies.
  • Applying For the Policy: The consumer has to apply for the policy and then provide the necessary details required by the company. The details of previous insurance policies if any also have to be provided to the company. The company needs all these details so as to ensure that there are no missing details or incorrect information provided by the student. This can be done online for more ease.
  • Obtaining the Policy: After the company approves and verifies all the details submitted, it then issues the consumer with the proposal. Once all the formalities are completed, the student’s health is now insured, and the policy will be in effect immediately.

Know more: Travel Insurance & Its Significance

Table of Insurance Plans For Students Studying Abroad

Company Name

Plan Name

Entry Age

Future Generali India Insurance 

Student Suraksha Insurance 

18 years -35 years

Care Health Insurance

Student Explore Plan 

12 years -40 years

HDFC Ergo Health Insurance

Student Suraksha

16 years -35 years

1. Future Generali Student Suraksha Insurance

The plan offers worldwide coverage, the plan reimburses the tuition fee if the policyholder is hospitalized for too long . The plan offers the following:

  • Medical expenses including evacuation and repatriation.
  • Dental Pain relief.
  • Personal Death, Accidental Death or injury cover.
  • Cover during events of suicide, passport loss, loss of laptop, and loss of check-in baggage.

2. Care Health Student Explore Plan

The plan offers worldwide coverage. The plan has the following features:

  • Medical expenses and the repatriation of mortal remains.
  • Includes cover for accidental death, permanent total and permanent partial disability. 
  • Includes cover for loss of passport, loss of baggage and compassionate visit.

3. HDFC Ergo Student Suraksha Plan

The plan is offered in the market in 5 variants. These include Standard, Bronze, Silver, Gold, Platinum. The plan also has the following features:

  • Medical expenses cover during emergencies including evacuation and repatriation.
  • Cover for accidental death or permanent total disability. 
  • It also covers loss of baggage and loss of passport.    

Read more: Travel Insurance: Coverage for the Unexpected


The student can rest assured in matters related to their insurance policy as all the formalities are fulfilled, and the policy would be in effect, and the student’s life is now insured. Thus, any student who desires to go abroad for pursuing their education can easily avail an insurance policy.

Disclaimer: This article is issued in general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.​

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