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International Students > Health Care
Health Care
All international students at Indiana University Southeast are required to have health insurance for themselves and their families. The U.S. does not have a nationalized health care system, and medical care here is extremely expensive.
Students who need medical care and do not have insurance may end up owing thousands of dollars. The health insurance system offers protection against these costs.
IU has a mandatory health insurance program for its students. International students are automatically enrolled in this plan when they register. The premium amount is shown on the student's bursar bill each semester. The health insurance information package given at orientation explains this.
Please review the insurance policy carefully in order to gain the maximum benefit from it. In particular, please read the section on the expenses that are not covered by the policy and the information concerning deductibles.
You must complete the health insurance application to activate your coverage.
If you have any questions about your coverage, please contact Jodie Beatty in the Office of Admissions.
Dependents
Insurance for dependents is not billed to the student's bursar account. It must be purchased separately within 15 days after arriving in the United States.
Waivers (Exemption from Insurance)
A student with previous insurance that meets IU's minimum requirements and covers the student while at IU may fill out a Waiver Application if he or she does not want to be covered under the IU policy.
To qualify for the waiver, students must submit documentation that shows the following coverage in English:
- The name of the insurance company and the policy number
- The dates of coverage (Ex. January 1, 2006 to January 2, 2006)
- The monetary limits of coverage - they must be at a minimum:
- $50,000 USD for each sickness or illness
- $50,000 USD for each accident or injury
- $10,000 USD for medical evacuation*
- $7,5000 for repatriation**
Female students or male students with a dependent wife in the U.S. must also show coverage for maternity care. This must be covered at the same monetary limit as any other sickness of injury. It must include all matters related to pregnancy and childbirth.
* medical evacuation: to return a student to their home country (with medical personnel in attendance) if a student becomes critically ill and hospitalized for over five days and a doctor decides it is necessary
** repatriation: to return a deceased body back to the home country for burial
Claims
Keep all bills or receipts and send them to Jodie Beatty in the Office of Admissions. The insurance company must have the bill in order to provide reimbursement.
Take all bills to the Office of Admissions within 30 days of injury or first treatment for a sickness - all bills must be received by the company within 90 days.
