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Mandatory Student Health Insurance

Health insurance coverage is mandatory for all international students who are in:

  • F-1 or F-2 status and enrolled in classes; or
  • J-1 or J-2 status (regardless of enrollment) from program start date to program end date.

If enrolled, United Healthcare’s Student Resources insurance coverage is automatically included on all F-1, F-2, J-1, and J-2 students’ accounts, regardless of their course load. The charge for insurance will be included in international student tuition bills and fees. Please reference the Payment Options page for information on the costs associated with this insurance plan. 

New Electronic Waiver Process

Students who have an alternative insurance plan, may request a waiver of the KU plan, as long as their insurance meets or exceeds the Kansas Board of Regents requirements. To receive a waiver, students must complete the online waiver process on or before the first day of classes, for a given term.  If the Insurance Coordinator determines an alternative plan meets the KBOR requirements, the financial charge for the plan will be removed from the student’s account (Student Account Services).

The intent of these insurance requirements is for all international students to have excellent, continuous insurance coverage while studying at the University of Kansas.  If you have further questions, please contact the Insurance Coordinator at issinsurance@ku.edu.

Insurance Requirements

If all the insurance requirements are not specified in your summary of benefits, additional documentation will be required.

  1. Coverage for essential benefits (with no dollar limits), as defined under the Patient Protection and Affordable Care Act.  Stand-alone travel and/or emergency/urgent care coverage is not acceptable.  The policy must include:
    • pharmacy
    • mental health services
    • maternity benefits (if you are female or have a spouse on the plan)
    • preventive care and coverage for pre-existing conditions
    • Pediatric dental and vision coverage (if you have dependent children on the plan) 
  2. Unlimited Maximum Benefit for covered medical expenses.
  3. A policy year deductible of $500 or less.
  4. Maximum total out-of- pocket expenses cannot exceed $6,350 per member ($12,700 per family) with preferred providers.  (Deductibles, coinsurance, and copays all count toward the out-of-pocket maximum.)
  5. A minimum of 80% coinsurance payable by the insurance plan to network providers. 
  6. Coverage includes effective dates spanning the entire period for which the waiver is requested.
    • Fall - 08/01/2015 through 12/31/2015
    • Spring - 01/01/2016 through 05/31/2016
  7. Plan document(s) are written in English, with currency amounts converted to U.S. dollars, and the insurance company contact phone # is located in the U.S.
  8. Insurer has a base of operations in the US or has a US based claims payer.
  9. At least $100,000 in coverage for repatriation and medical evacuation.
  10. J-1 Exchange Visitors and their dependents only: Policy must be underwritten by an insurance company that meets the rating requirements of the USIA or is backed by the full faith and credit of your home government.


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