Can I waive Cardinal Care health insurance at Stanford if I already have cover?
Yes, students can waive Cardinal Care if they already have another health insurance plan that Stanford accepts. Without a waiver, the plan is estimated at about USD 2,936 per quarter. Check Stanford's official waiver rules and deadlines for your intake before deciding.
Yes, you can waive Cardinal Care if you already have another health insurance plan that Stanford accepts. Without a waiver, the plan is listed at about USD 2,936 (approx INR 2.82 L) per quarter, so the decision affects your budget noticeably. Confirm what counts as an accepted plan on Stanford's official page.
Cardinal Care and related health costs
| Item | Estimated cost in USD |
|---|---|
| Cardinal Care health insurance | 2,936 (approx INR 2.82 L) per quarter |
| Campus Health Service Fee | 281 (approx INR 26,993) per quarter |
Things to keep in mind
- The waiver depends on holding another plan that Stanford accepts.
- Stanford's estimated 2026-27 student budget of about USD 97,545 (approx INR 93.70 L) leaves out health insurance and travel.
- Housing, food and other costs are separate from health cover.
My Advice
Before you buy any outside plan, ask Stanford which plans qualify so you do not pay twice. Compare what the outside plan covers with your expected needs, and keep proof of cover ready. If the plan is not accepted, budget for Cardinal Care instead.
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