Provider NHS (UK) TATA AIG TATA AIG TATA AIG TATA AIG TATA AIG HDFC ERGO HDFC ERGO HDFC ERGO HDFC ERGO HDFC ERGO
Plan Plan A Plan B Ultimate Ultimate Plus Supreme Standard Bronze Silver Gold Platinum
Accidental & Sickness Medical Expenses (US$) 100% 50,000 100,000 250,000 500,000 500,000 0 50,000 100,000 250,000 500,000
Yearly Cost (for the UK) (In INR) 0 (already paid with Visa) 10,891 12,515 15,174 17,130 18,275 6,486 5,024 7,679 11,968 16,732
Yearly Cost (for the US) (In INR) NA 29,273 33,151 37,098 40,457 43,990 NA NA NA NA NA
Waiting time for treatment Upto 18 weeks None None None None None NA None None None None
Quality of treatment Moderate High High High High High NA High High High High
Study Interruption (US$) None Upto 7.5K Upto 7.5K Upto 15K Upto 25K Upto 25K Upto 7.5K Upto 7.5K Upto 7.5K Upto 7.5K Upto 7.5K
Baggage loss (US$) None Upto 500 Upto 1K Upto 2K Upto 2.5K Upto 2.5K Upto 1K Upto 1K Upto 1K Upto 2K Upto 2K
Baggage delay (US$) None None Upto 50 Upto 150 Upto 250 Upto 250 None Upto 100 Upto 150 Upto 200 Upto 200
Passport loss (US$) None Upto 250 Upto 250 Upto 250 Upto 250 Upto 250 Upto 200 Upto 200 Upto 200 Upto 250 Upto 250

Tata Student overseas health insurance plan.pdf

HDFC Student insurance plan.pdf

FAQ

Why should I buy insurance if there is NHS?

A: We think there are 4 reasons to buy an insurance over NHS.

  1. For non-critical healthcare NHS has very long waiting time.
  2. For things like sprain, NHS may not offer you a treatment you desire. They might just ask you to rest. If you want treatment in private healthcare, it will be very expensive.
  3. You can't buy insurance for 6 months in the UK (travel or health). If you need it later you can not buy it in the UK.
  4. NHS doesn't cover global travel. If you plan to travel abroad, remember you can’t buy a travel insurance or health insurance once you have flown out of India.

But it's your personal decision, if you think these are valuable to you.

How much time does it take to buy an insurance?

A: It take 2-3 days maximum.

Can I buy insurance later once I am in the UK?

A: No! You can only buy it while you are in India.

How do I file a claim if needed?