Do I have to carry health insurance as an Indian student studying in the USA?
Yes. International students at American universities are typically required to hold year-round health and accident insurance, including summer months. Many schools offer a sponsored plan and require you to enroll unless you show other coverage. Check your university's insurance policy for the latest rules.
Yes, international students enrolled at American universities are typically required to have year-round health and accident insurance for the whole duration of their studies. That includes summer months, even if you travel or return home.
How College Insurance Typically Works
| Point | Detail |
|---|---|
| Coverage period | Year-round, including summer months |
| School-sponsored plan | Offered by many colleges; many require enrolment unless you show existing coverage |
| Premiums | Paid in full for Fall and Spring semesters, at the start of each semester |
| Non-payment | May result in denied enrolment for future semesters |
School Plan or Personal Plan
- School plans are advised because they are typically cheaper, as colleges offer group insurance.
- If you choose personal insurance, check first that the college recognises it.
- You may be able to enrol dependents, depending on each university's policy.
- After graduation, you can ask the insurer about a continuing policy.
My Advice
Check your university's insurance rules before you pay for any plan. If you want personal cover, get written confirmation that the college accepts it.
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