International Student Health & Overseas Travel Insurance Services
Get affordable, university-compliant health and travel insurance coverage for studying abroad in USA, Canada, UK, Europe, Australia & 14 other destinations.
Affordable Medical & Overseas Travel Coverage
Comprehensive health and travel insurance is a mandatory prerequisite for student visa approval and university course registration across major global destinations. BharathRise provides IRDAI-approved overseas student health insurance plans that meet or exceed university coverage mandates (such as US University Health Waivers, Australian OSHC, Canadian UHIP, and German Statutory Health Insurance TK/AOK).
Our insurance plans offer cashless hospitalization, emergency medical evacuation, loss of baggage/passport protection, and coverage for pre-existing medical conditions at up to 60% lower costs than expensive university-sponsored health plans.
5-Stage Workflow
University Insurance Waiver Audit
We review your foreign university's mandatory health insurance criteria (deductibles, co-pays, coverage limits) to ensure 100% compliance.
IRDAI-Approved Plan Comparison
Compare top-rated student health plans from ICICI Lombard, Tata AIG, HDFC ERGO, and Bajaj Allianz offering global cashless hospital networks.
Policy Customization & Pre-Existing Coverage
Add specialized riders for pre-existing medical conditions, dental/vision care, study interruption, and sports activity coverage.
Instant Policy Issuance & University Waiver Filing
Receive your official insurance policy schedule PDF within 30 minutes and submit the waiver form to your university bursar office.
24/7 Global Cashless Claim Support
Access 24/7 toll-free international helpline support for cashless hospital admissions, doctor appointments, and lost baggage claims.
Analytical Breakdown & Comparison
| Destination | Mandatory Scheme Name | Annual Cost Range | University Waiver Option | Key Benefits Covered |
|---|---|---|---|---|
| United States (USA) | University Student Health Insurance Plan (SHIP) | $1,800 – $4,000 / year | Yes (Save up to 60% with Indian Plans) | Cashless Hospitalization, ER, Inpatient, Mental Health |
| Australia | Overseas Student Health Cover (OSHC) | $550 – $750 AUD / year | Mandatory (Government Scheme) | GP Doctor Visits, Public Hospital, Ambulance |
| United Kingdom (UK) | Immigration Health Surcharge (IHS) | £776 GBP / year | Mandatory via Visa Fee | Full NHS Public Healthcare Access |
| Germany | Statutory Health Insurance (TK / AOK) | €120 – €130 / month | Mandatory Statutory Plan | 100% Medical, Prescriptions, Dental Care |
Mandatory Documentation Checklist
- ✓ University Insurance Waiver Form: Official health insurance requirement form detailing minimum coverage limits and deductible caps.
- ✓ Student Health History Record: Immunization records (TB, MMR, COVID-19) and registered physician health certificates.
- ✓ Policy Schedule PDF Document: Official IRDAI-approved insurance certificate with 24/7 global TPA claim helpline numbers.
- ✓ Visa Medical Declaration: Proof of active health insurance policy for student visa application submission.
The BharathRise Guarantee
BharathRise helps Indian students save up to 60% on foreign university health insurance costs by providing US-waiver compliant, IRDAI-approved student health insurance plans with instant digital policy delivery.
Book Free Counselling Call10 In-Depth Q&As About This Service
1. Can I replace my US university's expensive health insurance with an Indian plan?
Yes! Most US universities allow students to waive the expensive campus insurance ($2,500+) if your private Indian student plan meets their specific coverage waiver criteria.
2. What is OSHC in Australia?
OSHC (Overseas Student Health Cover) is mandatory medical insurance required by the Australian Department of Home Affairs for Subclass 500 Student Visa holders.
3. What does the UK Immigration Health Surcharge (IHS) cover?
Paying the UK IHS fee (£776/year) gives international students free access to the UK's National Health Service (NHS), including GP visits and public hospital care.
4. How does cashless hospital admission work abroad?
Present your insurance e-card at a network hospital. The hospital billing desk coordinates directly with your insurance Third-Party Administrator (TPA) to settle medical bills.
5. Does student travel insurance cover flight delays and lost baggage?
Yes! Overseas student travel insurance policies reimburse expenses for lost checked luggage, flight delays, emergency dental care, and passport loss.
6. Are pre-existing medical conditions covered in student insurance?
Comprehensive student plans cover life-threatening emergencies resulting from pre-existing conditions up to specified policy limits.
7. What is a deductible in health insurance?
A deductible is the initial out-of-pocket amount ($50 to $100) paid by the student per claim before the insurance company pays the remaining balance.
8. What is Study Interruption coverage?
If a medical emergency forces you to discontinue your semester, Study Interruption insurance reimburses non-refundable tuition fees paid to the university.
9. How quickly can I receive my student insurance policy document?
Policy schedules are generated digitally and emailed to you within 30 minutes of online premium payment.
10. Does BharathRise assist with filling out university insurance waiver forms?
Yes! Our insurance desk completes your university waiver form, attaches policy evidence, and ensures bursar office approval.
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