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Last updated on: August 7, 2025
The National Health Insurance Vidyarthi Mediclaim Policy is a specialized health insurance plan designed for students studying in educational institutions across India. It offers comprehensive coverage against medical expenses incurred due to accidents, illness, or hospitalization, including pre- and post-hospitalization costs, daycare procedures, and accidental death or permanent disability. The policy typically covers students aged 3 to 25 years and can be availed by institutions for group coverage. Premiums are affordable, making it accessible for students, and some plans also provide coverage for sponsored and international students. By ensuring access to quality healthcare without financial strain, the Vidyarthi Mediclaim Policy supports students’ well-being and academic continuity, making it a valuable safety net for both students and educational institutions.
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Read BioNational Health Insurance Vidyarthi Mediclaim Policy is a special kind of health insurance policy in India that is meant to cover students. It provides extensive medical cover to students throughout their schooling. As the medical expenses keep on increasing, this scheme is gaining significance in 2025 to parents, guardians and education institutions that desire to financially protect the students against any health emergency, accident or hospitalisation.
As the Government of India is trying to encourage the inclusion of better healthcare, most schools, colleges, and universities are now realizing the applicability of affordable student medical insurance. This student health insurance plan is popularly referred to as Vidyarthi Mediclaim and is designed to offer not only basic hospitalisation but also accident cover, outpatient cover and cover the educational fee in case of accidental death of the parents of the insured.
Life is unpredictable in the present times. In the process of studying in India or abroad, students are exposed to a lot of health hazards such as contagious diseases, playground injuries, stress-related diseases, or medical emergencies in a foreign country. Families may be put under financial strain by the cost of treatment in hospital or medical tests or even a short term care.
The student mediclaim insurance is a financial protection. It is also a compliance requirement in most institutions not only in India but also in other countries. Most importantly, the affordable plans such as the Vidyarthi Mediclaim address the needs of the Indian students without straining their families.
Did you know? Expert Insight: The IRDAI has increased the recommended minimum cover of the student insurance to 1 Lakh INR in 2025, which can keep more students financially secure.
Vidyarthi Mediclaim policy offers a flower bouquet of benefits to children, teenagers and young adults:
Does Vidyarthi Mediclaim work outside India?
The normal coverage is inside India. Certain insurers provide worldwide extensions of coverage at an additional expense.
Is the policy chronic condition covered?
Most chronic conditions including asthma and diabetes can be covered after the waiting period, depending on the policy.
Once the student has enrolled in the policy, the annual premium is paid either by the student or the institution and is affordable and begins at INR 400 to 1500 per annum on basic plans. The waiting period is followed by coverage.
In case the insured student is hospitalized because of illness or accident, the student simply has to present the policy information at the registered network hospital to obtain cashless treatment. In the case of non network hospitals, the expenses can be claimed by reimbursement.
In case of accidental disability or death of an earning parent or guardian, the policy will reimburse the tuition fee of the remaining year of the academic year up to the policy limit. This special provision will guarantee that the education of the student is not disrupted.
Expert Insight: Did you know? Vidyarthi Mediclaim is becoming a standard document required during admission in most of the top universities in metropolitan cities such as Delhi, Mumbai, and Bangalore among others, both to domestic and NRI students.
Although the Vidyarthi Mediclaim Policy is very comprehensive, some claims are not covered:
Does Vidyarthi Mediclaim cover vaccinations?
In most cases, routine immunization is not covered except in cases where it is required after an accident or injury.
Is it possible to purchase this policy by a non student?
No, students aged between 3 and 25 years of recognized institutions only are allowed to enroll.
Did you know? Experts Insights: Mental health consultation cover is becoming a feature of many group policies covering students, as the number of cases of stress and anxiety among students has increased in 2025.
| Features | Vidyarthi Mediclaim | General Health Insurance |
|---|---|---|
| Eligible Age Group | 3 – 25 years (students) | 5 – 65 years |
| Sum Insured Range | ₹1 lakh to ₹5 lakh | ₹1 lakh to ₹50 lakh (varies) |
| Tuition Fee Coverage | Yes (for guardian accident) | No |
| Policy Premium (Average) | ₹400 – ₹1,500 annually | ₹3,000 – ₹25,000+ annually |
| Group Policy Advantages | Can be used in schools/colleges | Can be used only in corporates |
| Guardian Accident Cover | Yes | No |
| Coverage in countries other than India | With chosen add ons | It depends on the plan |
| OPD Cover | In select plans | In select plans |
After 25 years, can students change Vidyarthi Mediclaim to general insurance?
The majority of insurers permit the migration to regular health plans when the insured passes the age limit on underwriting conditions.
Is there any additional fee when bought in the middle of academic year?
When purchased after session has started, premiums are charged on pro rata basis.
The document needs are minimal and largely electronic in 2025:
The process is simple to all as institutions can provide bulk student data to cover them as a group.
Did you know? Vidyarthi Mediclaim is also included in the admission kit of many schools to attract admission and trouble free health cover.
And when does coverage commence after purchase of the policy?
Coverage normally begins following a brief waiting period of 15–30 days in case of illnesses and no days in case of accidents.
Which is the best insurance company in India 2025 Vidyarthi Mediclaim?
National Insurance Company, New India Assurance and Oriental Insurance are also favorite among large student group coverages.
Expert Insight: By 2025, the claim process is nearly paperless and the best companies are accepting e KYC and scanned prescription submissions to accelerate the claim settlement.
Vidyarthi Mediclaim Policy has a very user friendly claims process:
What is student health insurance claim ratio?
The claim settlement ratio of student policies is more than 90 percent as reported by leading public insurers up to 2025.
Does COVID 19 treatment have coverage?
Yes, COVID 19 treatment is covered under the guidelines of IRDAI.
Did you know? By the end of 2024, National Insurance Vidyarthi Mediclaim insured more than 1 million Indian students and prevented the disruption of education of thousands of families as a result of medical emergencies.
In case the institution is not offering the cover, can students afford the policy individually?
Yes, majority of the insurers allow students or parents to purchase the plan separately.
Is post hospitalisation covered by policy?
Yes, treatments associated with initial hospitalisation are covered within some time according to the policy terms.
National Health Insurance Vidyarthi Mediclaim Policy is an Indian purpose built health insurance scheme that covers hospitalisation, accident, and tuition fee cover at a low premium to Indian students aged between 3 and 25. It is distinct among the general health plans because it has special benefits on education continuation and guardian accident covers. In 2025, it will be very pertinent to families, learning institutions, and students who want to have a worry free academic advancement.
How does Vidyarthi Mediclaim renew?
It is easy to renew and can be done online annually before expiry of policy.
Do parents come automatically under the policy?
According to the option, only a single earning parent or guardian is covered with accident benefits.
Does every student require pre medical test?
Students under the age of 18 years are usually not required, with basic sum insured unless there is declared health history.
Does this policy have hostel protection?
Some insurers provide coverage of personal items in hostels to their special add on plans.
Is Vidyarthi Mediclaim available to students going to study abroad?
It can be extended globally; country specific cover should be checked with the insurer.
What is the way to verify the status of a claim?
Track real time claim updates using online portal or customer care.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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