Comprehensive Student Health Insurance for USA

Stay fully covered while studying with trusted, student-focused insurance plans in the USA.

Overview Of Student Health Insurance for the USA

Buying the right health insurance before you go abroad is essential for your safety and financial security.
Here’s why international student health insurance for the USA is a must:

Healthcare in the USA is extremely expensive.
Even minor treatments can cost thousands of dollars.
Most US universities make it mandatory.
Health insurance for USA from India helps meet visa compliance.
Insurance shields you from unexpected hospital expenses.
Coverage includes doctor visits, diagnostics, and urgent care.

Types of Student Health Insurance Plans for the USA

Choosing the right health insurance is essential for students studying in the USA.
There are multiple plan types available—each offering different coverage and benefits.

University-Sponsored Plans

Offered by U.S. universities in partnership with major insurance providers.

Private Insurance Plans

Buy online with custom coverage—hospital stays, mental health, more.

Short-Term Plans

Best for short stays or J-1 visa exchange programs in the USA.

Coverage Details & Benefits of Student Health Insurance

It’s crucial for students to understand what their health insurance covers—so they stay protected throughout their time studying in the USA.

Doctor Visits

Covers consultations with medical professionals and specialists.

Hospital Stays

Covers the cost of hospital stay for inpatient treatment.

Emergency Services

Covers costs for urgent medical care and ambulance services.

Prescription Medications

Some plans cover the cost of prescribed drugs.

Medical Evacuation

Some plans include coverage for medical evacuation in case of a serious medical emergency.

How to Apply for Student Health Insurance in the USA

Applying for health insurance for students studying abroad is a simple process. Follow these steps:

Choose a Plan

Select a student health insurance plan for the USA that fits your needs.

Compare Providers

There are many providers such as ISO, Cigna Global, and IMG. Evaluate the various based on coverage, pricing, and benefits.

Submit Documents

Submit necessary documents, such as a letter of admission, proof of enrollment, identification, and visa details.

Complete Payment

Use a debit or credit card to complete the payment and retain the invoice and policy details sent to your email.

Student Testimonials: Real Experiences with Health Insurance for USA

At GradRight, we have helped thousands of students secure health insurance in the USA. GradRight allows you to compare multiple plans side-by-side before you purchase and offers substantial savings in health insurance costs.

200,000+

students assisted

₹16,300 crore

secured in insurance coverage

50+

insurance plans

Find the best student health insurance plan & stay protected in the USA.

Frequently Asked Questions

Is health insurance required for students studying in the USA?

There is no compulsory mandate for students entering the USA on a F-1 visa to buy student health insurance. However, nearly all US universities require international students to have adequate health insurance coverage as a condition of enrollment. Note that J-1 visa holders are required by law to hold health insurance for the duration of their visa.

Can I get health insurance for studying in the USA from India?

Yes, you can obtain health insurance for studying in the USA from India. You can buy it from your university during admission. Check with your university to see if they offer a plan and what the requirements are.

Otherwise, you can buy from providers such as ISO and IMG. Simply visit their website, create a profile, and buy the health insurance plan you want.

What does student health insurance cover in the USA?

Here are the essential benefits a student health insurance plan has to cover:

Ambulatory patient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder treatment
Prescription drugs
Rehabilitative and habilitative services
Laboratory services
Preventive and wellness services
Pediatric services

Besides, it may also offer dental coverage and coverage for chronic conditions.

What is ACA-compliant insurance in the USA?

In the USA, “ACA insurance” refers to health insurance obtained through the Affordable Care Act (ACA), also known as Obamacare.

The provisions of the ACA don’t apply to international students studying in the USA. However, buying an ACA-compliant plan means it must cover the 10 essential benefits outlined above.

What is the cost of student health insurance for the USA?

A simple, no-frills plan will cost you between $800 and $2,000. Some packages cost as little as $30 per month. More comprehensive plans might cost up to $3500 per year.