International Student Health Insurance
All international students are required to carry health insurance.
Almost
all universities now require international student health insurance. It
helps to insure that you will be able to continue your education even
if
a serious accident or illness should occur.
You have two choices regarding health insurance. You may choose to
carry
insurance from a company that you select, either in your own country or
here. Or, you may choose to carry insurance offered through our
University.
If you decide to carry insurance from a company of your choice then you
must be able to provide papers showing that (1) the insurance policy is
in effect for the entire time you will be in school; and that (2) the
types
of medical problems the policy pays for and the amount of money that
the
policy pays are the same or better than in the policy offered through
the
University. The policy offered through our University was chosen
because
the cost is low and the benefits are generous. The University makes no
money from this policy. Students who use this insurance make their
payments
directly to the company, Gerber Life Insurance company. The cost is
$588
per year ($196 per semester). The general terms of the policy are as
follows:
-
maximum policy benefit (for each accident/sickness) $250,000
-
medical evacuation (maximum) $10,000
-
repatriation (maximum) $7,500
-
students must pay the first $100 for each accident/sickness
-
if the student first visits the University health clinic and is sent to
another doctor or hospital the student does not have to pay the first
$100
-
all usual and customary expenses are paid, after the first $100 is
deducted,
for hospital room/board, surgery, ambulance, and physician expenses
while
in hospital
-
medical problems or illnesses which already exist at the time the
policy
is purchased are not covered
It is very important that students become familiar with the terms of
the policy they use. Copies are available in the International Programs
& Services Office upon request.