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International Student Insurance


I am a graduate international student who is seeking to buy an insurance plan. These are my school requirements and I want to make sure that any of your plans would meet them. Here are the requirements: The plan must be a federally certified, US-based plan (or university approved plan), compliant with the Affordable Care Act (ACA), and provide coverage for all services included in the UNC SHIP plan Coverage must begin on or before the first day of the academic term in which the student is enrolled and extend through the entire term The plan must include both accident and sickness coverage and offer unlimited annual benefit The plan deductible must be $500 or less per individual, per accident/illness per year The plan must have maximum out-of-pocket costs $6350 per benefit year The plan must include medical evacuation coverage of at least $50,000 The plan must include repatriation coverage of at least $25,000 The plan must have co-insurance of 20 percent or less The plan must include preventative services with no deductible or co-pay as follows: Outpatient and inpatient emotional and mental disorders Outpatient substance abuse treatment Prescription drug coverage X-rays and lab work Ambulance charges Annual exams, Standard Immunizations and Contraceptives covered with NO co-pay Doctor's visits Durable medical equipment


You would have to purchase the plan the university offers to be able to have an ACA plan.

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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