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Health Blog
02 Jun 2026
Bajaj General Insurance

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As a college student, health insurance plans come in different types, such as family plans, standalone individual policies, and university or college-sponsored plans. Such plans cover sudden accidents and illnesses without out-of-pocket expenses.
That’s why opting for college student health insurance is important in India. In this article, we will look at the options available for college students looking to get student health insurance in India.
In India, college student health insurance is a specialised form of health cover curated to meet healthcare expenses like doctor consultations, diagnostic services and prescribed medicines. Thus, such a policy serves as a safety net for students during sudden medical emergencies, offering complete peace of mind.
Some of the main benefits of getting health insurance for university students are:
Therefore, students aged 18 or above, or those studying out of the city or abroad, should buy a student health insurance plan for added safety.
There are different options when it comes to selecting the best college student insurance plans.
A student can get covered under a family health insurance plan even when they are abroad. The coverage under this plan extends throughout the whole college tenure, enabling students to focus on their studies and academic courses. It is ideal for students under 25-26 years of age, and the sum insured is divided among the family members.
These plans can be customised as per the student’s health needs, and the entire sum insured belongs to the student themselves. Thus, they get broader health coverage for unpredictable medical expenses. You can choose specific add-ons such as personal accident cover for your academic guardian for better protection.
Such plans offer coverage for multiple students in a single policy and are typically provided by educational institutions or universities and colleges. Such university student health insurance plans provide coverage for the whole academic year and are cost-effective in comparison to standalone plans.
Protection against rising healthcare costs, guaranteed timely access to standard care and compliance with visa requirements when studying abroad are some of the main reasons why college students need insurance.
So, if you are looking for answers to this question, “Can a student get health insurance?”, below are the answers:
With healthcare inflation, the costs of medicines, doctor visits or surgical procedures are also rising sharply. Therefore, such a rise makes sudden illnesses, viral infections and accidental harm even more costly. Buying a college student health insurance plan prevents unexpected medical bills from exhausting family savings.
As students have to manage different activities, from academic classes to tuition courses and curriculum activities, it can trigger anxiety or other mental health challenges. Thus, having a comprehensive student insurance plan helps in getting adequate mental health care.
If you are a student planning to go abroad for higher studies, the first and foremost requirement will be to get international health insurance. This is because foreign universities and the student visa application process strictly demand valid medical coverage. So, it is recommended to buy plans from India as it is more cost-effective and beneficial.
A college student health insurance plan allows students to get immediate emergency care with zero out-of-pocket costs when admitted to network hospitals.
Securing a reliable health insurance plan from Bajaj General Insurance empowers students to navigate their college years with confidence!
Also Read: 5 Essential Riders to Enhance Your Health Insurance Coverage
Student health insurance plans offer several benefits. These health insurance benefits include:
These plans provide comprehensive coverage for a range of medical expenses, including hospitalisation, doctor's visits, diagnostic tests, and prescription drugs. This means that college students can avail of medical treatment without having to worry about the cost.
Student health insurance plans are quite affordable in comparison to other health insurance plans. These plans are designed specifically for college students and are priced keeping their budget in mind. This means that college students can avail of comprehensive medical insurance without having to spend a lot of money.
Student health insurance plans offer cashless hospitalisation. This means that college students can avail of medical treatment without having to pay any cash up front. The insurance company settles the medical bills directly with the hospital, making the process hassle-free.
Student health insurance plans offer tax benefits. The premium paid towards student health insurance is eligible for tax deduction under Section 80D of the Income Tax Act, 1961. Policy buyers can claim a tax deduction of up to Rs. 25,000 for the premium paid towards their health insurance. **
Also Read: Reasons to Buy Critical Illness Insurance at a Young Age
Choosing the best health insurance plan for students means an evaluation of different factors to guarantee comprehensive coverage and affordability simultaneously.
Know your personal health needs, such as any pre-existing conditions, along with your budget, before making a choice. Make sure that your chosen policy covers hospitalisation costs, OPD consultations, and surgeries to offer comprehensive protection.
Review plans to know what suits your health needs. Examine whether your college or university provides group health insurance plans or not, as it can be more cost-efficient.
You must ensure that your chosen insurer or plan has a wide network of hospitals, mainly near your college or university. This ensures cashless treatment, enabling students to get medical care without having their parents pay out-of-pocket. This is because when the student is admitted to a network hospital, the insurer directly settles the bill with the hospital.
It is always suggested to choose insurers who have a smooth and efficient claims process to ensure quick, stress-free support during medical emergencies.
Before choosing any health insurance for university students, you must carefully review your policy’s waiting periods, co-payment conditions or hospital room-rent limits to avoid sudden costs. Reading the policy documents beforehand also lets you know your coverage scope, along with the inclusions and exclusions.
Check whether your policy has lifetime renewability so that your child or the student is always under continuous protection. Reviewing for policy upgrades is also crucial, as it helps you adapt to changing health demands.
When choosing a student health insurance plan, you need to consider several factors. They include:
First, students need to check if the plan provides coverage for the medical expenses that they are likely to incur. This includes hospitalisation, doctor's visits, diagnostic tests, and prescription drugs.
College students need to consider the premium amount. Student health insurance plans are designed to be affordable, but the premium amount can vary from plan to plan. College students need to choose a plan that provides comprehensive coverage at an affordable price.
College students need to check the network of hospitals and healthcare providers covered under the plan. This is important as it ensures that the student can avail of medical treatment without having to worry about the cost.
College students need to check the waiting period for pre-existing conditions. Most health insurance plans have a waiting period of 2-4 years for pre-existing conditions. College students with pre-existing conditions need to choose a plan that has a shorter waiting period.
Usually, college students are considered to be in the prime of their health. Hence, there is unlikely to be a waiting period for pre-existing illnesses. However, they would still have to go through the initial waiting period of the policy.
Also Read: Factors to Consider When Buying Health Insurance for Parents
When a medical emergency occurs, understanding the steps to claim student health insurance is essential. Here's a guide:
Thoroughly read your policy documents to know what is covered, the exclusions, and the claim process. This knowledge will help you handle claims efficiently.
Inform your insurer promptly in case of a medical emergency or hospitalisation. Use the insurer's helpline or customer service channels to provide accurate details and initiate the claim process.
Prepare the following documents for your claim:
1. Claim Form: Fill out accurately and sign.
2. Medical Reports: Include diagnostic tests, prescriptions, and related documents.
3. Hospital Bills: Obtain itemised bills showing treatment and expenses.
4. Discharge Summary: A summary of the treatment and patient condition upon discharge.
5. Original Receipts: Include pharmacy and medical equipment bills.
6. Identity Proof: Carry valid ID proof like an Aadhaar card or passport.
Each insurer may have unique requirements, so confirm with your provider.
Send all required documents to your insurer within the specified time. Keep copies of everything for your records.
Monitor your claim’s progress and follow up regularly with the insurance provider to ensure timely settlement.
The insurer will settle your claim either through:
1. Cashless Treatment: Bills are directly settled with the hospital.
2. Reimbursement: You pay upfront and submit receipts for repayment.
Check the settlement statement to ensure it aligns with your policy terms. Report any discrepancies to your insurer for resolution.
Having a college student health insurance policy is a comprehensive plan which aims to safeguard students from sudden financial burdens during medical emergencies while studying in a different city in India or abroad.
If you are a student or if you are thinking of sending your child abroad to a different country for their future educational goals, it is advisable to consider buying this insurance plan for a complete peace of mind.
Download the Bajaj General app to seamlessly claim and track your policy!
Yes, college students aged 18 years or above are eligible to buy an independent health insurance plan in India. Reputed insurers provide individual insurance plans designed for young adults that suit individual health needs.
Yes, with a family floater insurance plan, you can cover college students, generally those in the age range of 21-25 years. Moreover, the student should be unmarried and must rely on their parents for financial support. You must always review your specific policy terms for exact age limits and eligibility criteria.
Typically, student health insurance plans cover doctor consultations, hospitalisation charges, emergency care and prescription medications, along with hospital room rent charges. Some plans also cover mental health counselling charges and accidental injuries, helping young learners manage sudden medical expenses while studying abroad.
Yes, standard student health insurance plans cover hostel accidents and sports-related injuries. Mostly campus-approved student activities are covered. Nonetheless, high-risk adventure sports or uncertified athletic activities are generally excluded under such plans, unless specific riders or add-ons are bought together with the main plan.
* Standard T&C Apply ** Tax benefits are subject to change in prevalent tax laws. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
With GST waiver, individual and family floater policies for health, personal accident, and travel insurance (on retail basis) are 18% cheaper from 22 September 2025. Secure what matters at an affordable price!
