Why do Indian students need insurance to study in America, what is the reason for this?

Study in America: Studying in America opens doors to many opportunities for students. The main reason for this is the high-quality education system. A lot of documents are required for admission to any university in America, which includes academic records to letters of recommendation. However, there is one document which is not discussed much. This is the reason why many times students forget to take this document and then their problems increase.
Actually, the document we are talking about here is a health insurance paper. To study in America, it is very important to get insurance, of which health insurance is most important. Like many countries of the world, America also does not have a universal healthcare system. Because of this, if someone does not have health insurance, he/she will have to pay for his/her treatment himself. The cost of treatment in America is so high that your entire bank balance can get spoiled.

Why is health insurance necessary?

Without health insurance, admission is not available in American universities. Universities ask for health insurance papers from students for two main reasons, the first being visa regulations and the second being the expensive healthcare in America. Health insurance is also asked for when applying for a visa. Health insurance requirements may vary from university to university, so you should read your institution’s guidelines carefully during admission.

How many types of health insurance are there?

Foreign students studying in America have two types of health insurance options, which are as follows:

Insurance provided by the University: Many universities in America have their own insurance plans for students. These insurance plans often cover a variety of medical benefits, including doctor visits, hospital stays, emergency care, and sometimes even mental health support. However, these plans are sometimes quite expensive, due to which it is very important to understand them in detail before taking them.

Private Health Insurance: In some American universities, students have the option to choose a private insurance plan instead of the university plan. If someone chooses a private insurance plan, he/she also has to fulfill all the conditions of the university regarding insurance. At the same time, everything should be covered in this plan. This plan should cover all types of medical services, which are available in a university plan.