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Escape expenses arising from natural and man-made calamities with superior coverage
Increase your knowledge on car maintenance, car models, car accessories and lots more
A Flexible health insurance plan for your family to suit your needs
An enhanced Sum Insured, designed to supplement your existing health
Worldwide coverage against Accidental Death and Permanent Total Disablement (PTD)
Get a lump-sum benefit to manage critical illness expenses
Secures International Travelers against unexpected medical and non-medical expenses
Gives peace of mind to Senior Citizens traveling abroad against medical and non-medical expenses
Secures and relieves Frequent Fliers from unnerving, medical and non-medical expenses
Covers medical and non-medical expenses for students studying abroad
Shield your home structure and /or contents against natural calamities and man-made disasters

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University Health and Medical Insurance

University Search

Student Medical Insurance
Welcome to University Search, your source for customised Student Medical Insurance Plans. Choose your university from over 500 universities worldwide from the dropdown list below.

Know your university specific insurance needs
Select the university from below and get comprehensive information about your insurance needs.

For any waiver related queries send an email to
Key benefits of buying online
The key benefits of buying Student Medical Insurance Online are:
Most universities grant a waiver since the ICICI Student Medical Insurance is comparable.
  Note: If your university doesn't grant insurance waiver, you can avail premium refund within 30 days from inception, provided no claims have been made in the same period.
Available with second year extension option, thereby covering you for the entire period of study
Extend your policy 3 months in advance – Now you do not have to wait till policy expiry to extend your Student Medical cover, extend your policy 3 months in advance
Policy coverage for 2 years – Student Medical Insurance is now available with a continuous cover for 2 years. Now cover your entire period of study and rid yourself of policy extension hassles with a policy duration of 365+365 = 730 days
Buy the policy in Indian rupees, save dollars
No pre-medical check-up required

Student Medical Insurance and You
Choosing a University
A large number of students are opting to study abroad and choosing a right university is becoming a new challenge. We suggest that you should adopt a meticulous approach when selecting a university abroad. If you follow the step-by-step plan mentioned below, selecting the most suitable university for your study abroad will be very easy for you.
First, remember that the best university for you may not be the most popular/highly ranked one, but the one that offers your field of study and meets your other important criterias (such as financial aid, duration, etc.) should be shorlisted.

Step 1 – Self Evaluation
Do a thorough self-evaluation and short list around 50 universities. This involves

  • Motivation behind pursuing education abroad- is it academic inclination/job possibilities/personal interest/specialization etc.
  • Realistic evaluation of professional and academic background- academic record (important in shortlisting universities by rank)/dedication/handling peer pressure/research or work experience in your field/certificates for extra-curricular activities.
  • Clear perspective of academic inclination- absolute surety of courses you want to follow
  • Clear picture about funding- Education abroad is expensive. Apart from the tuition fees various costs such as living, transportation, health insurance etc. are involved. In your case is it sponsorship/self-finance/ university funding etc.

Step 2 – Details of university/ college
Once through with self-evaluation, your focus must shift to acquiring hard-core details about the short-listed universities for your higher education. The broad areas you should get details on are

  • Specialization or programs offered and their duration
  • Ranking and faculty of the university
  • Approximate cost – tuition and other fees, accommodation, commuting, insurance* etc.
  • Entrance and academic eligibilities, tests required, accreditation status
  • Percentage of international students and their work experience
  • Other facilities and extra curriculars

On the basis of these criteria short list roughly 25 to 30 universities.

Step 3 – Application stage
Next comes the application stage. On receiving application forms look into requirements such as minimum score of standardized exams, application deadlines, recommendation letters and other such relevant details. Compare this information with your criteria and segregate the universities in three categories

  • Those that meet your requirements
  • Those that do not meet your requirements and
  • Those that do not fall completely into either categories.

By logic, eliminate the universities in the second category. Further review the universities in the third category on the basis of ranking, research facilities, financial aid availability, admission requirements, program objectives and the approach adopted, location and student profile. By the end of this stage, you should have short-listed 7-10 (maximum 15) universities, in which you intend to apply.

Universities generally inform well in advance (from the commencement of the term) about their admission decisions. In case you have received more than one acceptance, prioritize on the basis of program (curriculum, duration, research facility etc.), reputation, costs and financial aid, best suited to your personal and professional requirements.

In case of a wait list in your first choice university and admission in second/other- pay the deposit and accept the offer to be on the safe side. At the same time accept to stay on the waiting list of the first choice university.

Exhaustive research on each university is essential to make the correct choice. It is time consuming, but never compromise on that. Choose wisely and step ahead for a great future.

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