Health Insurance Policy for Students

Are you a student doing your college? Well, if yes, then don’t hesitate to take out a health insurance policy. All students should be well aware of their health if they care about their future. Unique health insurance policies are designed for students who are doing graduation. These health care policies take care of any unpredictable accidents or health hazards that may occur while studying. This cannot be covered by the minimum financial help you may have while you are studying. 

As a student, your health is a top priority. In case of an unexpected illness or accident, having a health insurance policy can provide peace of mind and financial protection. Here’s a simple guide to help you understand health insurance policies for students.

If you study abroad, then most international universities require students to be covered under an overseas travel insurance plan. Buying student health insurance in India is significantly cheaper than buying it in foreign countries. It is therefore recommended you purchase the insurance before leaving the home country. Most of the insurance companies offer foreign travel insurance for students. Here we will discuss some eligibility criteria you must meet to avail of such coverage.

  • Your age must be between 16 years to 35 years of age.
  • You must be travelling overseas to pursue higher education.
  • You may be already eligible if you are a student living in an international institution.

What is Health Insurance for Students?

Health insurance for students is a type of insurance policy designed to provide coverage for medical expenses incurred during your time as a student. These policies can be purchased individually or offered through your college or university.

What does it cover?

Health insurance policies for students typically cover a wide range of medical expenses, such as doctor visits, hospitalization, prescription medications, and emergency care. Some policies may also include coverage for mental health services, dental care, and vision care.

How does it work?

If you have a health insurance policy, you’ll typically pay a monthly premium for coverage. When you need medical care, you’ll visit a healthcare provider who is in your insurance network. Depending on the policy you have, the insurance company will cover all or a portion of the costs associated with your care.

What are the benefits?

One of the benefits of having a health insurance policy as a student is the peace of mind it provides in case of unexpected medical expenses. Additionally, some colleges and universities require students to have health insurance coverage, so having a policy can ensure you meet the necessary requirements. Finally, many policies offer preventive care services, such as immunizations and health screenings, which can help keep you healthy and catch potential health issues early on.

Emergency medical expenses

Health insurance for students policies cover expenses caused due to an unexpected sickness or an accident. In case you need to return home to get treatment, the plan will reimburse the payments as per the terms and conditions. Moreover, if you die, the insurer will pay the cost of repatriating your corpse home. Also, if you get permanently disabled, you will receive compensation as per the policy terms.

Personal liability

If you are legally bound to pay damages resulting from a lawsuit for property damage, the insurer will cover the same. The policy for college students also covers bodily injury to another person in case of an accidental lawsuit against you.

Other benefits

The insurance company reimburses expenses if your sponsor passes away, your studies get interrupted due to some reasons, a family member needs to make a compassionate visit, in case you require a pregnancy treatment or childcare benefits.


As a student, having a health insurance policy is an important investment in your health and financial well-being. Be sure to review the different policies available to you and choose one that fits your needs and budget. With the right coverage, you can focus on your studies and enjoy your college experience with greater peace of mind.

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