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Travel and Health Insurance
Aspect
Travel Insurance
Health Insurance
Purpose
Covers travel-related issues like trip cancellations, lost baggage, and emergencies during short-term travel
Mandatory for F1 students; covers medical expenses while studying in the US
Requirements
Needed for the duration of travel from home country to the US
Required for university enrollment; essential due to high healthcare costs in the US
Coverage
Typically includes accidents, illness during travel, lost/delayed luggage, and lost documents
Doctor visits, hospital stays, and other healthcare needs
Costs
Approximately INR 1500 for 2-3 weeks coverage. Comparatively low against total education expenses
Varies; often high due to the private healthcare system in the US
Additional Info
Essential for safeguarding against travel uncertainties
Necessary due to limited public healthcare options and high private healthcare costs in the US
Steps to obtain Health Insurance
Step in Process
Guidance for Securing Health Insurance in the USA
1. University Insurance Assessment
Confirm if your US college requires enrollment in their health insurance program.
2. Insurance Cost Clarification
Determine whether insurance is included in tuition or requires separate payment
Health Insurance options for International Student in USA
Insurance Type
Pros
Cons
Details
Home Country Insurance
Least expensive
Complex claims; high deductibles, limited coverage in the US
Offers basic coverage; logistical issues for claims in the US
University Major Insurance Plan
Comprehensive coverage; full university health center access
Very costly, can be a financial burden
Includes basic and complete plans; expensive but covers a wide range of medical needs