Student Health Insurance

All USA-bound Master’s students require a health insurance plan to cover their medical expenses for the duration of their program. With GradRight, you can explore plans that offer better coverage and savings—up to ₹1.5 lakhs per year—compared to university-provided options

Success Stories

I took the Elite Student Health Insurance Plan, saved E60K, and got unlimited coverage with 0 deductible and 100% copayment

Alapati Krishna

MS Business Analytics

Sai Sree Meka

MS Computer Science

I didn’t have any collateral or cosigner or any financial support. I'd tried everything but nothing worked out. Then for the first time, I heard from GradRight that even without collateral and cosigner, I could get a loan.

Sneha Rasaily

MS Business Analyst

Frequently Asked Questions

Where can I buy a health insurance plan accepted by my university?

You can buy any health insurance plan which covers the minimum health insurance requirements required by your university. It can be purchased directly via your university or can be availed from an aggregator at a lower cost which gives you an option to customize your plan as well.

What is a waiver?

In the context of health insurance, a waiver allows students to opt out of purchasing the university’s health insurance plan. For example, if your university offers health insurance for $2,000, but an aggregator provides a similar plan for $1,000, you can choose the aggregator’s plan, waive the university’s insurance, and save $1,000. Our advisors are happy to guide you through the process and assist you with the application.

How to identify health insurance plans that meet a university's waiver requirements?

Most universities in the USA have specific criteria for waiving their own health insurance plans. Students need to choose external health insurance plans that fulfill the requirements or criteria of the university insurance waiver. The criteria are often outlined in the brochures of external health insurance providers and can be compared with the university’s guidelines. Some common requirements include:

– No limit on maximum coverage
– ACA compliance
– Out-of-pocket maximum not exceeding $6,350
– Coverage for both inpatient and outpatient care in the relevant state or city
– Coverage for medical evacuation and repatriation

When is the best time to buy a student health insurance plan?

Students going to the USA on an F-1 visa should carefully plan the purchase of their insurance plan. Students planning to opt for an external health insurance plan to waive the university’s insurance should purchase the plan once the university’s waiver system is activated, typically about one month before the start of classes.