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Indian Student Life in the U.S.

Are you planning to pursue higher education at a reputed University in the US? If yes, here’s a depicition of what staying in the US as an international student looks like.

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Indian Student Life in the U.S.
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Student Life in USA

Pursuing higher studies in the United States has been a trend among Indian students for quite some time. Whether it is opting for a Masters degree or a doctoral program, colleges and universities in the U.S. have always appealed as a preferable choice to international students. According to a report on international education exchange data released by the U.S. Department of State Bureau of Educational and Cultural Affairs, there was a 12% increase in the number of Indian students studying in the U.S. in 2017 as compared to the previous year. Owing to a wide array of research and internship opportunities, American universities offer unparalleled benefits and advantages to international students. The top states in the U.S. receiving an influx of international students every year include California, Florida, Illinois, Indiana, Massachusetts, Michigan, New York, Ohio, Pennsylvania, and Texas.

Applying for Universities in the U.S. for MS or MBA Degrees

Indian students mostly prefer pursuing an MS degree in the U.S. Compared to MBA, postgraduate MS programs are less expensive. Further, study programs in government-funded universities are obviously cheaper than private universities. The average cost of MS program in state-funded U.S. universities varies in between US$ 20,000 to US$ 30,000 for two years. For full-time MBA programs, the tuition fees can rise up to US$ 60,000.

Most American universities ask for 16 years of formal education as a pre-requisite for filling the application form. Indian students with a bachelors degree easily fulfil this eligibility. Universities also ask for test scores in TOEFL and IELTS to check proficiency in English. Further, GRE and GMAT scores are required to qualify for MS or MBA programs. Additionally, professional experiences, extra-curricular activities, publications, letter of recommendations, and class performances are looked at among other things while selecting an applicant for a study program. Students can also look for financial assistance to lower their tuition fees by applying for scholarships and grants offered by universities.

Applying for Student Visa in the U.S.

To study in the United States, a student visa (F or M) is required. The type of student visa is determined by the course of study and type of school where the student enrols. Individuals travelling on a visitor visa or on a visa waiver program cannot apply for admissions in U.S. colleges. During the visa interview, students need to furnish documents such as passport, certificate of eligibility for nonimmigrant student status as issued by U.S. university, and evidence of financial means to pay educational, living and travel expenses. Students are also asked about their plans after the completion of course.Additionally, students are also advised to buy international travel insurance to cover any unexpected medical or travel-related expenses.

Approved visas can be issued to new students up to 120 days before the commencement of course. However, a student is only allowed to enter the U.S. 30 days from the start date of the course.

Staying in the US as International Students

Right after coming to the U.S., students usually opt for temporary accommodations. Temporary accommodations might be cramped up with a large number of new students at the start of the academic year. On-campus housing is available at certain U.S. universities. However, students also share private apartments depending on their preferences and budgets. Again, apartment rents differ considerably according to cities.

Apart from stay, students need to set up their bank accounts, know their neighbourhoods, look for grocery stores among other things. Some U.S. cities have Indian grocery stores as well. Public transport is not convenient everywhere in the U.S. Though cities such as New York have frequent subways and buses, not all U.S. cities can boast of such means of transport. In such cases, students are either left with the choice to stay near college campuses or own a car. Campus life is hectic as well as exciting for international students. Indian students might experience a difference in culture initially but that changes once interactions with fellow students start through various campus activities and study groups. Student associations within universities also help to bridge the cultural differences.

While pursuing a full-time degree and settling in a new city in the U.S., it might be overwhelming if faced with an accident or similar mishappening. Let Care Travel Insurance’s student travel insurance plan take care of your unforeseeable expenses. Care Health Insurance a numerous options for travel insurance in India which provides comprehensive cover for any unforeseen emergencies.

Work Opportunities in US for Indian Students

Students on an F-1 visa may not be eligible to work off-campus during their first year but may take up on-campus employment opportunities. In their second academic year, students can apply for two types of off-campus opportunities:

  1. Curricular Practical Training (CPT): This includes internships and work opportunities that are an important part of the study program that a student has enrolled for.
  2. Optional Practical Training (OPT): It is a temporary employment opportunity concerning the student’s major area of study. Eligible students can apply for employment authorization for 12 months before or after completion of their studies. Also, under certain conditions, students earning a degree in STEM (science, technology, engineering, and math) fields can apply for an extension of their OPT work authorization.

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+91
๐Ÿ‡ฆ๐Ÿ‡ซ Afghanistan+93 AF
๐Ÿ‡ฆ๐Ÿ‡ฑ Albania+355 AL
๐Ÿ‡ฉ๐Ÿ‡ฟ Algeria+213 DZ
๐Ÿ‡ฆ๐Ÿ‡ธ American Samoa+1684 AS
๐Ÿ‡ฆ๐Ÿ‡ฉ Andorra+376 AD
๐Ÿ‡ฆ๐Ÿ‡ด Angola+244 AO
๐Ÿ‡ฆ๐Ÿ‡ฎ Anguilla+1264 AI
๐Ÿ‡ฆ๐Ÿ‡ฌ Antigua and Barbuda+1268 AG
๐Ÿ‡ฆ๐Ÿ‡ท Argentina+54 AR
๐Ÿ‡ฆ๐Ÿ‡ฒ Armenia+374 AM
๐Ÿ‡ฆ๐Ÿ‡ผ Aruba+297 AW
๐Ÿ‡ฆ๐Ÿ‡บ Australia+61 AU
๐Ÿ‡ฆ๐Ÿ‡น Austria+43 AT
๐Ÿ‡ฆ๐Ÿ‡ฟ Azerbaijan+994 AZ
๐Ÿ‡ง๐Ÿ‡ธ Bahamas+1242 BS
๐Ÿ‡ง๐Ÿ‡ญ Bahrain+973 BH
๐Ÿ‡ง๐Ÿ‡ฉ Bangladesh+880 BD
๐Ÿ‡ง๐Ÿ‡ง Barbados+1246 BB
๐Ÿ‡ง๐Ÿ‡พ Belarus+375 BY
๐Ÿ‡ง๐Ÿ‡ช Belgium+32 BE
๐Ÿ‡ง๐Ÿ‡ฟ Belize+501 BZ
๐Ÿ‡ง๐Ÿ‡ฏ Benin+229 BJ
๐Ÿ‡ง๐Ÿ‡ฒ Bermuda+1441 BM
๐Ÿ‡ง๐Ÿ‡น Bhutan+975 BT
๐Ÿ‡ง๐Ÿ‡ด Bolivia+591 BO
๐Ÿ‡ง๐Ÿ‡ฆ Bosnia and Herzegovina+387 BA
๐Ÿ‡ง๐Ÿ‡ผ Botswana+267 BW
๐Ÿ‡ง๐Ÿ‡ท Brazil+55 BR
๐Ÿ‡ป๐Ÿ‡ฌ British Virgin Islands+1284 VG
๐Ÿ‡ง๐Ÿ‡ณ Brunei+673 BN
๐Ÿ‡ง๐Ÿ‡ฌ Bulgaria+359 BG
๐Ÿ‡ง๐Ÿ‡ซ Burkina Faso+226 BF
๐Ÿ‡ง๐Ÿ‡ฎ Burundi+257 BI
๐Ÿ‡จ๐Ÿ‡ป Cabo Verde+238 CV
๐Ÿ‡ฐ๐Ÿ‡ญ Cambodia+855 KH
๐Ÿ‡จ๐Ÿ‡ฒ Cameroon+237 CM
๐Ÿ‡จ๐Ÿ‡ฆ Canada+1 CA
๐Ÿ‡ฐ๐Ÿ‡พ Cayman Islands+1345 KY
๐Ÿ‡จ๐Ÿ‡ซ Central African Republic+236 CF
๐Ÿ‡น๐Ÿ‡ฉ Chad+235 TD
๐Ÿ‡จ๐Ÿ‡ฑ Chile+56 CL
๐Ÿ‡จ๐Ÿ‡ณ China+86 CN
๐Ÿ‡จ๐Ÿ‡ด Colombia+57 CO
๐Ÿ‡ฐ๐Ÿ‡ฒ Comoros+269 KM
๐Ÿ‡จ๐Ÿ‡ฌ Congo+242 CG
๐Ÿ‡จ๐Ÿ‡ฐ Cook Islands+682 CK
๐Ÿ‡จ๐Ÿ‡ท Costa Rica+506 CR
๐Ÿ‡จ๐Ÿ‡ฎ Cรดte d'Ivoire+225 CI
๐Ÿ‡ญ๐Ÿ‡ท Croatia+385 HR
๐Ÿ‡จ๐Ÿ‡บ Cuba+53 CU
๐Ÿ‡จ๐Ÿ‡ผ Curaรงao+599 CW
๐Ÿ‡จ๐Ÿ‡พ Cyprus+357 CY
๐Ÿ‡จ๐Ÿ‡ฟ Czech Republic (Czechia)+420 CZ
๐Ÿ‡ฉ๐Ÿ‡ฐ Denmark+45 DK
๐Ÿ‡ฉ๐Ÿ‡ฏ Djibouti+253 DJ
๐Ÿ‡ฉ๐Ÿ‡ฒ Dominica+1767 DM
๐Ÿ‡ฉ๐Ÿ‡ด Dominican Republic+1849 DO
๐Ÿ‡จ๐Ÿ‡ฉ DR Congo+243 CD
๐Ÿ‡ช๐Ÿ‡จ Ecuador+593 EC
๐Ÿ‡ช๐Ÿ‡ฌ Egypt+20 EG
๐Ÿ‡ธ๐Ÿ‡ป El Salvador+503 SV
๐Ÿ‡ฌ๐Ÿ‡ถ Equatorial Guinea+240 GQ
๐Ÿ‡ช๐Ÿ‡ท Eritrea+291 ER
๐Ÿ‡ช๐Ÿ‡ช Estonia+372 EE
๐Ÿ‡ธ๐Ÿ‡ฟ Eswatini+268 SZ
๐Ÿ‡ช๐Ÿ‡น Ethiopia+251 ET
๐Ÿ‡ซ๐Ÿ‡ด Faeroe Islands+298 FO
๐Ÿ‡ซ๐Ÿ‡ฐ Falkland Islands+500 FK
๐Ÿ‡ซ๐Ÿ‡ฏ Fiji+679 FJ
๐Ÿ‡ซ๐Ÿ‡ฎ Finland+358 FI
๐Ÿ‡ซ๐Ÿ‡ท France+33 FR
๐Ÿ‡ต๐Ÿ‡ซ French Polynesia+689 PF
๐Ÿ‡ฌ๐Ÿ‡ฆ Gabon+241 GA
๐Ÿ‡ฌ๐Ÿ‡ฒ Gambia+220 GM
๐Ÿ‡ฌ๐Ÿ‡ช Georgia+995 GE
๐Ÿ‡ฉ๐Ÿ‡ช Germany+49 DE
๐Ÿ‡ฌ๐Ÿ‡ญ Ghana+233 GH
๐Ÿ‡ฌ๐Ÿ‡ฎ Gibraltar+350 GI
๐Ÿ‡ฌ๐Ÿ‡ท Greece+30 GR
๐Ÿ‡ฌ๐Ÿ‡ฑ Greenland+299 GL
๐Ÿ‡ฌ๐Ÿ‡ฉ Grenada+1473 GD
๐Ÿ‡ฌ๐Ÿ‡บ Guam+1671 GU
๐Ÿ‡ฌ๐Ÿ‡น Guatemala+502 GT
๐Ÿ‡ฌ๐Ÿ‡ณ Guinea+224 GN
๐Ÿ‡ฌ๐Ÿ‡ผ Guinea-Bissau+245 GW
๐Ÿ‡ฌ๐Ÿ‡พ Guyana+592 GY
๐Ÿ‡ญ๐Ÿ‡น Haiti+509 HT
๐Ÿ‡ป๐Ÿ‡ฆ Holy See+379 VA
๐Ÿ‡ญ๐Ÿ‡ณ Honduras+504 HN
๐Ÿ‡ญ๐Ÿ‡ฐ Hong Kong+852 HK
๐Ÿ‡ญ๐Ÿ‡บ Hungary+36 HU
๐Ÿ‡ฎ๐Ÿ‡ธ Iceland+354 IS
๐Ÿ‡ฎ๐Ÿ‡ณ India+91 IN
๐Ÿ‡ฎ๐Ÿ‡ฉ Indonesia+62 ID
๐Ÿ‡ฎ๐Ÿ‡ท Iran+98 IR
๐Ÿ‡ฎ๐Ÿ‡ถ Iraq+964 IQ
๐Ÿ‡ฎ๐Ÿ‡ช Ireland+353 IE
๐Ÿ‡ฎ๐Ÿ‡ฒ Isle of Man+44 IM
๐Ÿ‡ฎ๐Ÿ‡ฑ Israel+972 IL
๐Ÿ‡ฎ๐Ÿ‡น Italy+39 IT
๐Ÿ‡ฏ๐Ÿ‡ฒ Jamaica+1876 JM
๐Ÿ‡ฏ๐Ÿ‡ต Japan+81 JP
๐Ÿ‡ฏ๐Ÿ‡ด Jordan+962 JO
๐Ÿ‡ฐ๐Ÿ‡ฟ Kazakhstan+7 KZ
๐Ÿ‡ฐ๐Ÿ‡ช Kenya+254 KE
๐Ÿ‡ฐ๐Ÿ‡ฎ Kiribati+686 KI
๐Ÿ‡ฐ๐Ÿ‡ผ Kuwait+965 KW
๐Ÿ‡ฐ๐Ÿ‡ฌ Kyrgyzstan+996 KG
๐Ÿ‡ฑ๐Ÿ‡ฆ Laos+856 LA
๐Ÿ‡ฑ๐Ÿ‡ป Latvia+371 LV
๐Ÿ‡ฑ๐Ÿ‡ง Lebanon+961 LB
๐Ÿ‡ฑ๐Ÿ‡ธ Lesotho+266 LS
๐Ÿ‡ฑ๐Ÿ‡ท Liberia+231 LR
๐Ÿ‡ฑ๐Ÿ‡พ Libya+218 LY
๐Ÿ‡ฑ๐Ÿ‡ฎ Liechtenstein+423 LI
๐Ÿ‡ฑ๐Ÿ‡น Lithuania+370 LT
๐Ÿ‡ฑ๐Ÿ‡บ Luxembourg+352 LU
๐Ÿ‡ฒ๐Ÿ‡ด Macao+853 MO
๐Ÿ‡ฒ๐Ÿ‡ฌ Madagascar+261 MG
๐Ÿ‡ฒ๐Ÿ‡ผ Malawi+265 MW
๐Ÿ‡ฒ๐Ÿ‡พ Malaysia+60 MY
๐Ÿ‡ฒ๐Ÿ‡ป Maldives+960 MV
๐Ÿ‡ฒ๐Ÿ‡ฑ Mali+223 ML
๐Ÿ‡ฒ๐Ÿ‡น Malta+356 MT
๐Ÿ‡ฒ๐Ÿ‡ญ Marshall Islands+692 MH
๐Ÿ‡ฒ๐Ÿ‡ท Mauritania+222 MR
๐Ÿ‡ฒ๐Ÿ‡บ Mauritius+230 MU
๐Ÿ‡พ๐Ÿ‡น Mayotte+262 YT
๐Ÿ‡ฒ๐Ÿ‡ฝ Mexico+52 MX
๐Ÿ‡ซ๐Ÿ‡ฒ Micronesia+691 FM
๐Ÿ‡ฒ๐Ÿ‡ฉ Moldova+373 MD
๐Ÿ‡ฒ๐Ÿ‡จ Monaco+377 MC
๐Ÿ‡ฒ๐Ÿ‡ณ Mongolia+976 MN
๐Ÿ‡ฒ๐Ÿ‡ช Montenegro+382 ME
๐Ÿ‡ฒ๐Ÿ‡ธ Montserrat+1664 MS
๐Ÿ‡ฒ๐Ÿ‡ฆ Morocco+212 MA
๐Ÿ‡ฒ๐Ÿ‡ฟ Mozambique+258 MZ
๐Ÿ‡ฒ๐Ÿ‡ฒ Myanmar+95 MM
๐Ÿ‡ณ๐Ÿ‡ฆ Namibia+264 NA
๐Ÿ‡ณ๐Ÿ‡ท Nauru+674 NR
๐Ÿ‡ณ๐Ÿ‡ต Nepal+977 NP
๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands+31 NL
๐Ÿ‡ณ๐Ÿ‡จ New Caledonia+687 NC
๐Ÿ‡ณ๐Ÿ‡ฟ New Zealand+64 NZ
๐Ÿ‡ณ๐Ÿ‡ฎ Nicaragua+505 NI
๐Ÿ‡ณ๐Ÿ‡ช Niger+227 NE
๐Ÿ‡ณ๐Ÿ‡ฌ Nigeria+234 NG
๐Ÿ‡ณ๐Ÿ‡บ Niue+683 NU
๐Ÿ‡ฒ๐Ÿ‡ต Northern Mariana Islands+1670 MP
๐Ÿ‡ฐ๐Ÿ‡ต North Korea+850 KP
๐Ÿ‡ฒ๐Ÿ‡ฐ North Macedonia+389 MK
๐Ÿ‡ณ๐Ÿ‡ด Norway+47 NO
๐Ÿ‡ด๐Ÿ‡ฒ Oman+968 OM
๐Ÿ‡ต๐Ÿ‡ฐ Pakistan+92 PK
๐Ÿ‡ต๐Ÿ‡ผ Palau+680 PW
๐Ÿ‡ต๐Ÿ‡ฆ Panama+507 PA
๐Ÿ‡ต๐Ÿ‡ฌ Papua New Guinea+675 PG
๐Ÿ‡ต๐Ÿ‡พ Paraguay+595 PY
๐Ÿ‡ต๐Ÿ‡ช Peru+51 PE
๐Ÿ‡ต๐Ÿ‡ญ Philippines+63 PH
๐Ÿ‡ต๐Ÿ‡ฑ Poland+48 PL
๐Ÿ‡ต๐Ÿ‡น Portugal+351 PT
๐Ÿ‡ต๐Ÿ‡ท Puerto Rico+1939 PR
๐Ÿ‡ถ๐Ÿ‡ฆ Qatar+974 QA
๐Ÿ‡ท๐Ÿ‡ช Rรฉunion+262 RE
๐Ÿ‡ท๐Ÿ‡ด Romania+40 RO
๐Ÿ‡ท๐Ÿ‡บ Russia+7 RU
๐Ÿ‡ท๐Ÿ‡ผ Rwanda+250 RW
๐Ÿ‡ง๐Ÿ‡ฑ Saint Barthelemy+590 BL
๐Ÿ‡ธ๐Ÿ‡ญ Saint Helena+290 SH
๐Ÿ‡ฐ๐Ÿ‡ณ Saint Kitts & Nevis+1869 KN
๐Ÿ‡ฑ๐Ÿ‡จ Saint Lucia+1758 LC
๐Ÿ‡ฒ๐Ÿ‡ซ Saint Martin+590 MF
๐Ÿ‡ต๐Ÿ‡ฒ Saint Pierre & Miquelon+508 PM
๐Ÿ‡ผ๐Ÿ‡ธ Samoa+685 WS
๐Ÿ‡ธ๐Ÿ‡ฒ San Marino+378 SM
๐Ÿ‡ธ๐Ÿ‡น Sao Tome & Principe+239 ST
๐Ÿ‡ธ๐Ÿ‡ฆ Saudi Arabia+966 SA
๐Ÿ‡ธ๐Ÿ‡ณ Senegal+221 SN
๐Ÿ‡ท๐Ÿ‡ธ Serbia+381 RS
๐Ÿ‡ธ๐Ÿ‡จ Seychelles+248 SC
๐Ÿ‡ธ๐Ÿ‡ฑ Sierra Leone+232 SL
๐Ÿ‡ธ๐Ÿ‡ฌ Singapore+65 SG
๐Ÿ‡ธ๐Ÿ‡ฝ Sint Maarten+1721 SX
๐Ÿ‡ธ๐Ÿ‡ฐ Slovakia+421 SK
๐Ÿ‡ธ๐Ÿ‡ฎ Slovenia+386 SI
๐Ÿ‡ธ๐Ÿ‡ง Solomon Islands+677 SB
๐Ÿ‡ธ๐Ÿ‡ด Somalia+252 SO
๐Ÿ‡ฟ๐Ÿ‡ฆ South Africa+27 ZA
๐Ÿ‡ฐ๐Ÿ‡ท South Korea+82 KR
๐Ÿ‡ธ๐Ÿ‡ธ South Sudan+211 SS
๐Ÿ‡ช๐Ÿ‡ธ Spain+34 ES
๐Ÿ‡ฑ๐Ÿ‡ฐ Sri Lanka+94 LK
๐Ÿ‡ต๐Ÿ‡ธ State of Palestine+970 PS
๐Ÿ‡ป๐Ÿ‡จ St. Vincent & Grenadines+1784 VC
๐Ÿ‡ธ๐Ÿ‡ฉ Sudan+249 SD
๐Ÿ‡ธ๐Ÿ‡ท Suriname+597 SR
๐Ÿ‡ธ๐Ÿ‡ช Sweden+46 SE
๐Ÿ‡จ๐Ÿ‡ญ Switzerland+41 CH
๐Ÿ‡ธ๐Ÿ‡พ Syria+963 SY
๐Ÿ‡น๐Ÿ‡ผ Taiwan+886 TW
๐Ÿ‡น๐Ÿ‡ฏ Tajikistan+992 TJ
๐Ÿ‡น๐Ÿ‡ฟ Tanzania+255 TZ
๐Ÿ‡น๐Ÿ‡ญ Thailand+66 TH
๐Ÿ‡น๐Ÿ‡ฑ Timor-Leste+670 TL
๐Ÿ‡น๐Ÿ‡ฌ Togo+228 TG
๐Ÿ‡น๐Ÿ‡ฐ Tokelau+690 TK
๐Ÿ‡น๐Ÿ‡ด Tonga+676 TO
๐Ÿ‡น๐Ÿ‡น Trinidad and Tobago+1868 TT
๐Ÿ‡น๐Ÿ‡ณ Tunisia+216 TN
๐Ÿ‡น๐Ÿ‡ท Turkey+90 TR
๐Ÿ‡น๐Ÿ‡ฒ Turkmenistan+993 TM
๐Ÿ‡น๐Ÿ‡จ Turks and Caicos+1649 TC
๐Ÿ‡น๐Ÿ‡ป Tuvalu+688 TV
๐Ÿ‡บ๐Ÿ‡ฌ Uganda+256 UG
๐Ÿ‡บ๐Ÿ‡ฆ Ukraine+380 UA
๐Ÿ‡ฆ๐Ÿ‡ช United Arab Emirates+971 AE
๐Ÿ‡ฌ๐Ÿ‡ง United Kingdom+44 GB
๐Ÿ‡บ๐Ÿ‡ธ United States+1 US
๐Ÿ‡บ๐Ÿ‡พ Uruguay+598 UY
๐Ÿ‡ป๐Ÿ‡ฎ U.S. Virgin Islands+1340 VI
๐Ÿ‡บ๐Ÿ‡ฟ Uzbekistan+998 UZ
๐Ÿ‡ป๐Ÿ‡บ Vanuatu+678 VU
๐Ÿ‡ป๐Ÿ‡ช Venezuela+58 VE
๐Ÿ‡ป๐Ÿ‡ณ Vietnam+84 VN
๐Ÿ‡ผ๐Ÿ‡ซ Wallis & Futuna+681 WF
๐Ÿ‡ช๐Ÿ‡ญ Western Sahara+212 EH
๐Ÿ‡พ๐Ÿ‡ช Yemen+967 YE
๐Ÿ‡ฟ๐Ÿ‡ฒ Zambia+260 ZM
๐Ÿ‡ฟ๐Ÿ‡ผ Zimbabwe+263 ZW

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Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.

^^Number of Cashless Healthcare Providers till Dec'25

**Number of Claims Settled as of Dec'25

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.