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Indian student health insurance in the US

Even with a 1 percent decrease in 2010/2011, India still provides the second largest population of international students in the US according to the Open Doors report.

Indian students studying in the US with an F1 visa will need to ensure they meet any international student health insurance requirements that their school has in place. Often, the minimum requirements include repatriation of remains and emergency medical evacuation. Most schools have a much more comprehensive list of requirements that exceed just these two requirements and it must be met by those with an F1 visa to be enrolled.

Individuals from India with a J1 visa will need to meet the requirements of the Department of State. These requirements include the following:

  • Medical Benefits of at least $50,000 per accident or illness
  • Repatriation of Remains in the amount of $7,500
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000
  • A deductible not to exceed $500 per accident or illness
  • A policy underwritten by an insurance carrier with:

1. an AM Best rating of “A-” or above
2. an Insurance Solvency International, Ltd (ISI) rating of “A-I” or above
3. a Standard and Poor’s Claims Paying Ability rating of “A-” or above
4. or a Weiss Research, Inc. rating of “B+” or above

Since the United States has a private healthcare system, Indian student health insurance in the US can be purchased through a private insurance company.

If you are looking for Indian student health insurance in the US that meets the J1 requirements, you might be eligible for the J1 student and scholar visa insurance.

If you are trying to meet your school’s insurance requirements you can contact one of our agents to find out if we have a plan that fits your needs.

Posted by Bryanna Davis

Bryanna joined International Student Insurance in 2011 after returning to the United States from teaching English in China. Her interest in international education, sparked initially by her own study abroad experience in Wales, led her to the company. Bryanna is originally from Missouri and is a graduate from the University of Central Missouri.

4 thoughts on “Indian student health insurance in the US”

Riya patel says:

I am a kidney transplant patient and i want to apply for students visa(USA). So will I be eligible for insurance that covers my transplant treatment cost?

Hi Riya,

It would be best for you to get the procedure completed in your home country before traveling abroad. If this isn’t an option, there could be plans that would cover the transplant – it would be a good idea to contact the school that you’ve been admitted to in the US and see if their health insurance plan could cover your treatment. Good luck!

sa hussain says:

which indian insurance providers are best for student health insurance please
sa hussain

Bryanna Davis says:

Hi Sa,

Unfortunately we’re not familiar with Indian insurance providers. However, we have a number of great options for international students from India. You should check out our Student Secure plan!

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