Insurance Requirements

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 dependent status (regardless of enrollment) for the duration of their program.

F-1, F-2, and J-1 students enrolling in classes receive the UnitedHealthcare StudentResources insurance coverage automatically, regardless of their course load. The charge for insurance is added to the student tuition and fees bill. Please reference the Insurance Costs page for information on the fees associated with this insurance plan.

“NEW” Activation Process:  After an F-1, F-2, and J-1 student enrolls in classes, they can now submit an activation request to have their insurance activated prior to the semester beginning and by the UnitedHealthcare StudentResources insurance beginning coverage date.  Information about early activation can be found on the “New” Early Activation Process page.

If a student does not submit an activation request, their insurance plan will automatically be activated after the insurance waiver process has been completed.  The anticipated automatic activation date for spring 2022 is Februrary 5, 2022.  Coverage dates for the fall 2021 health insurance plans are 01/01/2022 – 05/31/2022.  Students can go to Watkins Health Services for medical treatment prior to their insurance plan being activated.

NOTE: Because all J-1 Visitors are required to have health insurance for themselves and their J-2 dependents for the duration of their stay, regardless of enrollment, J-2’s who enroll in KU classes are not automatically billed for the insurance. Contact to sign up for the KU UHC insurance.

Resources for International Students

Informational videos on the following topics, as well as other important topics, can be found at UnitedHealthcare StudentResources  (UHCSR)

  • What are deductibles, coinsurance and copays?
  • What is an EOB?
  • How to request an ID card?
  • How to find a Provider and Cost Estimator
  • How to check claims status
  • How to Create My Account

Learn more about health insurance and important health topics through the following links:

Insurance in the US

Types of International Insurance

Emotional & Mental Health

Video credit to International Student Insurance, an Envisage International Company. Additional details found here. Please note, this is not the Kansas Board of Regents selected company.

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 deadline, for a given term. If an alternative plan meets the KBOR requirements, the financial charge for the plan will be removed from the student’s account (Student Accounts & Receivables).

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 ISS Insurance Team at


Waivers accepted: 

Fall 2021                      7/26/2021 – 8/23/2021 (first day of classes)

Spring 2022                 11/29/2021 – 01/18/2022 (first day of classes)

Summer 2022              4/25/2022 – 6/7/2022 (first day of classes)


2021/2022 Insurance Requirements

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

  1. Unlimited Maximum Benefit for covered medical expenses.
  2. Coverage for essential benefits (with no dollar limits), as defined under the Patient Protection and Affordable Care Act. This includes:
    • pharmacy
    • mental health services
    • maternity benefits
    • preventive care, and coverage for pre-existing conditions
    • pediatric dental and vision coverage
  3. A policy year deductible of $500 or less.
  4. Maximum total out-of-pocket expenses cannot exceed $8,200 per member ($16,400 per family) with preferred providers. Deductibles, coinsurance, and copays all count toward the out-of-pocket maximum.)
  5. A minimum of 75% coinsurance payable by the insurance plan to network providers.
  6. Plan is not a Travel plan or for Emergency/urgent care only.  
  7. At least $100,000 in coverage for repatriation and medical evacuation.
  8. Coverage includes effective dates spanning the entire period for which the waiver is requested.
  • Fall - 08/01/2021 through 12/31/2021
  • Spring - 01/01/2022 through 05/31/2022
  • Summer - 06/01/2022 through 07/31/2022
  1. Plan document(s) in English, with currency amounts converted to U.S. dollars, and the insurance company contact phone # in the U.S.
  2. Insurer has a base of operations in the US or has a US based claims payer.
  3. Insurer is authorized to do business in Kansas and is providing coverage under a health insurance policy that has been filed and approved by the Kansas Department of Insurance.
  4. Coverage is provided by an employer’s group plan which is compliant with items 1-11 or is backed by the full faith and credit of the student’s home government.


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