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For Universities

ACA-compliant

ACA-comparable plans

Save up to $10,000 on
Student Health Insurance

Every plan is pre-checked against your university’s waiver requirements. Full coverage, at a fraction of the campus rate.

University Name

Date of Birth

Coverage Start date

Do you have F1 Visa

Find a Plan

Universities covered

0 +

Starting price

0 /year

Waive approval rate

0 %

Which Plan Fits You?

Elite 450

Starts from $1620/year

Elite 250

Starts from $1908/year

Elite Plus

Starts from $2460/year

Royal 1500

Starts from $968/year

Royal 500

Starts from $1026/year

Royal 100

Starts from $1420/year

Royal Plus

Starts from $1997/year

*Gradright directly does not sell any insurance

How much can you save vs SHIP?

Most university SHIP plans cost $4,000–$8,000/year. GradRight plans cost a fraction of that, with waiver-approved coverage.

Harvard University SHIP

$4,908/yr

With GradRight

$948/yr

Save $3,960/year

Stanford University SHIP

$8,808/yr

With GradRight

$968/yr

Save $7,840/year

University of California

$6,000-8,000/yr

With GradRight

$968/yr

Save $7,032/year

University of Chicago

$5,517/yr

With GradRight

$968/yr

Save $4,549/year

Carnegie Mellon University

$3,093/yr

With GradRight

$968/yr

Save $2,125/year

University of Southern California

$3,787/yr

With GradRight

$1,620/yr

Save $2,167/year

Don’t see your university? Check your savings here.

Why students choose GradRight

Pay in INR

Skip the forex markup. Pay from home before you fly.

Waiver guaranteed

Waiver guaranteed, pre-approved by your university

24/7 Concierge Support

Real help, in your language, any time zone.

Pre-Existing Conditions, Covered

No exclusions. No waiting period games.

Behavioral Health Included

Therapists, psychiatrists, and substance-use support through Optum.

Travel Coverage Beyond Campus

Protection extends to travel outside the U.S.* (*see visa-specific terms)

Anywhere Document Access

Pull up your policy on any device, the moment you need it.

Success Stories

GradRight helped Mano save $500 with the right student health insurance plan.

Mano

USC

Electrical Engineering

GradRight provided me with a health insurance plan and I saved $2000.

Sakshi Soni

University of Virginia

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

Alapati

Washington University

MS Supply Chain Management

Pujan

UChicago

Dhanush Srikanth

Parent

Akhil saved $10,000 on student health insurance, without losing any of the benefits.

Akhil

UC Berkeley

Social Entrepreneur

Purva

Harvard University

Prisicila

UC Berkeley

Blog

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Shivani Mani

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Best International Health Insurance for Students in 2026: Top Plans Ranked

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10 min read • Jul 3, 2026

Health Insurance

Private Health Insurance in Germany: Eligibility, Cost & Benefits

Phanindra Munnamgi

12 min read • Jun 25, 2026

Health Insurance

Before You Board: The Hidden Risks of Skipping International Travel Health Insurance

Shivani Mani

9 min read • Jun 25, 2026

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Germany Health Insurance for Students: What No One Tells You Before You Apply

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9 min read • Jun 25, 2026

Frequently Asked Questions

Is health insurance mandatory for international students in the USA?

Most universities require international students to have health insurance that meets their coverage standards. Some institutions automatically enroll students in a university plan, while others allow waivers if you purchase an approved alternative plan.

Do F-1 visa students need health insurance in the USA?

The best plan depends on your university requirements, budget, deductible preference, and coverage needs. Students should compare coverage limits, network access, and out-of-pocket costs before enrolling.

Can international students waive university health insurance?

While federal regulations do not require health insurance for all F-1 visa holders, most universities require students to maintain adequate health coverage throughout their studies.

How does GradRight's plan compare to my university's health insurance cost?

Costs vary by university and insurer. International students can often save significantly by comparing university-sponsored plans with ACA-compliant alternative plans.

Can Indian students buy private health insurance instead of university insurance?

Many universities allow students to waive their health insurance plan if they can demonstrate that an alternative policy meets all university coverage requirements.

Is Indian private health insurance accepted for a U.S. university waiver?

Most plans cover doctor visits, hospitalization, emergency care, prescription medications, preventive care, mental health services, and diagnostic tests.

Does my education loan insurance cover my university's health insurance requirement?

The cheapest plan is not always the best value. Students should compare premiums alongside deductibles, co-insurance, provider networks, and coverage limits.

How much does student health insurance cost in the USA?

Yes. Many Indian students purchase private health insurance plans that satisfy university waiver requirements and often cost less than university-sponsored plans.

What does international student health insurance typically cover?

Most plans cover doctor visits, hospitalization, emergency care, prescription medications, preventive care, mental health services, and diagnostic tests.

Does student health insurance cover pre-existing conditions?

Coverage varies by insurer and plan. Students should review policy documents carefully to understand how pre-existing conditions are treated.

Why should I buy my health insurance through GradRight?

GradRight plans are pre-approved for university waivers, priced by age group starting at $968/year*, and require no extra paperwork.

How do I choose the right health insurance plan for studying in the USA?

Compare plan costs, annual coverage limits, deductibles, provider networks, prescription benefits, university requirements, and claims support before making a decision.

Get international student health insurance. Save up to 6 lakhs. 0 Copay.

Find Insurance Plans

Popular Areas of Study

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Save up to $10,000 on Student Health Insurance

Which Plan Fits You?

Elite 450

Elite 250

Elite Plus

Royal 1500

Royal 500

Royal 100

Royal Plus

How much can you save vs SHIP?

Save $3,960/year

Save $7,840/year

Save $7,032/year

Save $4,549/year

Save $2,125/year

Save $2,167/year

Why students choose GradRight

Pay in INR

Waiver guaranteed

24/7 Concierge Support

Pre-Existing Conditions, Covered

Behavioral Health Included

Travel Coverage Beyond Campus

Anywhere Document Access

Success Stories

Mano

USC

Electrical Engineering

Sakshi Soni

University of Virginia

Alapati

Washington University

MS Supply Chain Management

Pujan

UChicago

Dhanush Srikanth

Parent

Akhil

UC Berkeley

Social Entrepreneur

Purva

Harvard University

Prisicila

UC Berkeley

Blog

Health Insurance Cost in Germany for International Students in 2026: Complete Guide

What Does International Student Health Insurance in the UK Actually Cover?

Best International Health Insurance for Students in 2026: Top Plans Ranked

Private Health Insurance in Germany: Eligibility, Cost & Benefits

Before You Board: The Hidden Risks of Skipping International Travel Health Insurance

Germany Health Insurance for Students: What No One Tells You Before You Apply

Frequently Asked Questions

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