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Health Insurance for Students
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What is Student Health Insurance?
Student health insurance is a medical insurance plan that provides coverage to students. It includes coverage for hospital stays, doctor visits, medications, tests, and treatments for illnesses and/or injuries. Most plans cover preventive services for regular health check-ups and emergency assistance.
The main purpose of student health insurance is to protect you against overwhelming medical costs while you study. Student health insurance is available from many institutions and private companies. Thus, having reliable and affordable health insurance coverage while at school is possible.
How Does Health Insurance for Students Work?
Student health insurance operates similarly to other health policies, but is specifically designed for students. Here is how it works in simple steps:
Select a Plan
Students can choose a health insurance policy from their college, a private company, or a group student policy.
Pay the Premium
You will pay a specified rate, either monthly, yearly or a one-time fee, depending on the policy and coverage you choose.
Get Covered
The policy will cover hospital stays, doctor appointments, medications, surgeries, lab tests, and emergency care in the case of illness or accident.
Cashless or Reimbursement Claim
Be treated at a network hospital without having to pay initially or pay first and then claim back the bill amount.
Add-On Benefits
Some plans will also provide dental care, mental health counselling, vaccinations, and preventive health checks for students at no cost.
Why Health Insurance Matters for Students?
A good health insurance plan covers sudden medical costs, routine checkups, and emergency care. Let’s look at why it makes sense for students to have health insurance:
Protection from Outrageous Medical Costs
If a student experiences an unexpected illness or injury that necessitates hospitalisation, medical bills can escalate rapidly. Health insurance can become a lifesaver for students to cover their medical expenses.
Aid While Studying Overseas
For students studying abroad, medical costs can be higher. Many international universities require proof of health insurance. A suitable policy can help students minimise treatment costs while abroad.
Mental Health Coverage
Many health policies include mental health supports such as counselling, therapy, psychiatric care, etc. This helps students handle stress, anxiety, and exam pressures.
Cashless Access to Treatment
Most health insurance plans offer patients a cashless option when treated at a network hospital. This means that a student can be admitted or treated without needing to raise money to pay for the treatment immediately.
Annual Health Check-Ups
Some plans offer a free check-up annually. These help students assess their health, notice issues early, and mention them during their next checkups.
Address Medical Emergencies
Accidents and unforeseen illnesses can happen anytime. Health insurance helps students get prompt medical attention without delays. So they can get on-time treatment in a critical situation.
Benefits of Buying Health Insurance for Students
Student health insurance protects students from unforeseen medical expenditures. Below are the crucial advantages you'll get by getting coverage via a student health insurance plan throughout your education:
- Financial Protection in Case of Illness: You avoid the hefty hospital bill while protecting your finances in case of medical trouble.
- Less Stress in Emergency: You remain calm, knowing you will not incur sudden medical expenses in case of an accident or illness.
- Access to Quality Healthcare: Health insurance means quick treatment at trusted hospitals without delay.
- Better Focus on Studies: With health concerns taken care of, there are fewer health-related distractions so that you can focus entirely on your studies.
- Support for Mental Health: Provides support to students dealing with stress and anxiety, while also offering access to mental health care services.
- Savings on Regular Health Costs: You save on regular doctor visits, health checkups, and small treatments received throughout the year.
- A Financial Safety Net While Travelling: Health insurance benefits help you financially and keep you healthy if you get sick while studying or travelling overseas.
- Affordable Premiums at a Young Age: Students receive affordable premiums, making it more cost-effective and easier to purchase a health plan now, while you are young.
- Develops Early Financial Discipline: Insurance provides knowledge on managing risk and budgeting for unexpected expenses.
Why Choose Digit Health Insurance for Students?
Key Benefits of Health Insurance Plans by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
*Â These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal
Factors to Consider While Getting Health Insurance for Students
Health insurance will protect students in case of an emergency when they become suddenly ill or injured. Before purchasing a policy, take note of the following important factors:
How Much Health Insurance Coverage is Enough for Students?
For students in India, selecting an adequate sum insured is crucial for covering medical bills during college. For the majority of students, a health insurance cover of ₹3 lakh to ₹5 lakh. This covers hospital stay expenses, consultation fees, tests, medicines, and common illnesses.
If you have an ongoing health condition or are studying in a metropolitan city where healthcare is expensive, consider opting for a higher coverage of ₹5 lakh to ₹7 lakh. Always choose the sum insured based on your health needs, the city you are living in, and the type of medical facilities nearby.
Things to Remember Before Buying Student Health Insurance
You must verify a few important things before purchasing Student Health Insurance. These tips will help you select the right plan without missing any valuable benefits:
- Network Hospitals: Find out how many cashless network hospitals are located near your college and home city.Â
- Claims Process: Ensure the plan you've selected includes a straightforward, efficient, and paperless claims process.Â
- Look for Pre-Existing Disease Cover: Ensure that the plan covers any pre-existing health issues you may have and determine when the waiting period begins.
- Check Sum Insured Amount: You want a plan that covers a high sum insured to cover hospitalisation costs, especially in metro cities with high costs.
- Check Daycare Procedure Coverage: Verify if the policy covers procedures that don't require a 24-hour hospital stay, such as minor surgery or a scan.
- Check OPD and Consultation Cover: Some plans will also cover your doctor consultation, medicines, and tests if you were not admitted.
- Review Premium and Renewal Conditions: Choose a policy with affordable premiums and the option to renew your insurance when you continue your studies easily.
- Determine if there is Global Coverage: If you plan to study abroad, check if the policy covers global medical emergencies.
- Read Policy Exclusions: Check closely to see what is not covered so you are not surprised while making claims.
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How to Buy Student Health Insurance Online?
Buying health insurance online is simple and hassle-free. If you're planning to purchase a policy from Digit, here’s a step-by-step guide to help you through the process:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
Documents Required to Buy a Health Insurance for Students Online
When purchasing a student health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:
Identity/Age Proof
✔ Aadhaar CardÂ
✔ PAN Card
 ✔ Passport
 ✔ Voter ID
 ✔ Driving License
✔ Birth Certificate
Address Proof
✔ Passport
✔ Utility Bills (Electricity, Water, Gas – recent)
✔ Rental Agreement
Income Proof
✔ Income Tax Returns (ITR)
✔ Form 16
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
Common Mistakes to Avoid While Choosing Health Insurance for Students
Often, students and parents only look at the cost when purchasing health insurance. However, overlooking or failing to understand important provisions can lead to trouble. Here's a quick list of common mistakes and why you don't want to make these mistakes:
Tax Benefits on Health Insurance for Students
If students have taxable income in India, then they can avail benefits on the premiums paid for health insurance under Section 80D. It is also possible to claim the premiums paid on behalf of students if their parents pay the premiums. Here is how it works:
- Students with taxable income are entitled to a deduction of up to ₹25,000 per year for their own health insurance.
- If parents pay the health insurance premium of their student child (under 60), they can claim the full ₹25,000 deduction under their family limit.
- If an individual's parents are senior citizens (60 years or older), they can qualify for a ₹50,000 deduction for themselves and ₹25,000 for their student child.Â
- A maximum additional deduction of up to ₹5,000 for preventive health check-ups on an annual basis is also allowed under this limit.
FAQs about Health Insurance for Students
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
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