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International Student Medical Insurance

Indiana University International Student Insurance

With over 40,000 students from more than 100 nations, Indiana University (IU) in Bloomington, IN is known as an “R1: Doctoral Universities – very high research activity" classified institution. The 200-year-old university has seven campuses, of which the Bloomington campus is the flagship.

The university stands on the pillars of academic freedom, innovation, and creativity. It has made significant contributions to research activities in multiple domains. Supported by a pool of highly qualified faculty members, students thrive in a space of holistic learning that is more experiential than theoretical.

Indiana University Academic and Research Opportunities

The alumni of IU consist of nine Nobel Laureates, as well as multiple Rhodes Scholars, Grammy and Emmy awardees, and Pulitzer recipients. Each class of students carries forward this rich legacy. 

The learning process is rigorous, though, at the same time, students are encouraged to be innovative and research-oriented. IU has 16 high-ranked colleges and schools, covering almost the entire gamut of subjects. Some of the notable programs on offer are:

Bachelor’s Degrees

  • Biochemistry
  • Supply Chain Management
  • Physics
  • Mathematics

Master’s Degrees

  • Statistical Science
  • Philosophy
  • Marketing
  • Anthropology

Doctoral Degrees 

  • Astrophysics
  • Neuroscience
  • History
  • Business Economics & Public Policy

Health Risks for Indiana University International Students

Bloomington is safer than 11% of all US cities, as far as crime is concerned. As an international student, you need not be worried about the stats, though. Just do your best to observe basic safety protocols, like staying away from desolate areas of the city, especially if you are alone.

Winters are quite cold in Indiana. Snowstorms can be intense, so be aware of weather forecasts. Road accidents are another risk to keep in mind. Even if you do not plan to drive while attending IU, be especially careful when crossing streets. 

Also, take precautions against air pollution in this industrialized state. It’s best to wear a mask in populated areas if you have respiratory issues. While out in the countryside, watch out for rattlesnakes and black widow spiders.

Cover Your Risks with Health Insurance for Indiana University

As an international student, you must have health insurance prior to joining IU, Bloomington. This is because medical treatment is extremely expensive in the U.S., and you never know when you might need to use it.

International Student Health Insurance for Indiana University – FAQs

Do international students need health insurance before joining Indiana University?

IU requires all international students and their dependents to enroll in and pay for the university’s health insurance plan unless they qualify for an exemption. These exemptions are detailed in the Insurance Requirements section below. 

What’s the need for Indiana University health insurance for international students?

Accidents and illnesses are unpredictable. What is predictable is the financial damage they can cause due to the price of medical treatment in the United States. You simply cannot afford to not have insurance coverage. 

How to find the best student health insurance for Indiana University?

Unless you qualify for one of the exemptions outlined below, you will be enrolled in and billed for the IU student health insurance plan.

However, if you are exempt or would like to purchase supplementary coverage for yourself or your dependents, do your due diligence and compare several plans before making a purchase. The right insurance plan for you will depend on your individual needs, your budget, and the level of coverage you are comfortable with. 


Indiana University International Student Insurance Requirements 

International Students

Indiana University (IU) requires that all international students both with F and J visas have health insurance for themselves, as well as their dependents. Each student is automatically enrolled in the school health insurance plan with no option to waive, unless they qualify for the exemption.

Automatic exemption criteria include:

  • Graduate students with Assistantships or Fellowships who are enrolled in a different IU health insurance plan
  • Sponsored students whose sponsoring organization provides approved health insurance as stated in their financial guarantee or contract

Exemption requests     

  • J-1 students in an official exchange program whose sending organization either provides health insurance or funding to purchase health insurance that meets J-1 requirements are also eligible to waive the plan.
  • J-1 International students who are able to waive for this reason can choose to purchase a plan that meets the federal limits set forth by the U.S department of State, as well as the additional requirement which includes coverage for maternity and pregnancy care. These plans can be located below, or under the Exchange Visitor (J-1/J-2) section of the website.
  • Students enrolled in a health insurance plan provided by their spouses or parent's U.S.-based employer
  • Students working on CPT or OPT who receive health insurance through their U.S.-based employer
  • Students completing coursework outside of the U.S. due to COVID-19
It is recommended to contact the Office of International Service to verify the health insurance requirements prior to purchase, as detailed information may only be provided to the attendee.

Exchange Visitors

Indiana University (IU) requires all Scholars to have health insurance for themselves as well as their dependents. It is noted that Visiting Scholars who are either employed or short–term are required to maintain health coverage. For this reason, IU provides a health plan for the Visiting Scholar as well as their dependents, and for those who receive employee-paid benefits. 

Visiting Scholars and all other Nonemployees

IU states that Visiting Scholars who are not eligible for employee benefits are required to be enrolled in the International Students Insurance plan, unless they choose to waive out of the plan for one that meets waiver requirements. J-1 Visitors and their dependents are able to waive for a plan that meets the federal limits set forth by the U.S department of State as well as the additional requirement which includes coverage for maternity and pregnancy care. These plans can be located below or under the Exchange Visitor (J1/J2) section of the website.

IU J Visa Employees

IU states that J-1 visa holders who are considered to be full-time employees are eligible for IU medical benefits. This plan is available to dependents as well at an additional cost. IU notes that this plan meets the minimum level of coverage required by the U.S Department of State.

It is recommended to contact the Office of International Service to verify the health insurance requirements prior to purchase, as detailed information may only be provided to the attendee.
Please contact our office for further information. This information is subject to change.

J Visa Insurance Plans

Student Health Advantage Platinum

StudentSecure® Budget

StudentSecure® Select

Study USA - Healthcare Standard

Study USA - Healthcare Preferred

Study USA - Healthcare Platinum

F Visa Insurance Plans

This school does not allow to purchase outside insurance or no insurance plans available that meet the school requirements.

DISCLAIMER: The school requirements are accurate as of the time of analysis. It is possible that the school requirements have changed since they were reviewed and matched with insurance plans meeting the requirements. It is your responsibility to ensure that the latest requirements are still met by the insurance product you purchase. We are not affiliated with the schools listed here and these insurance plans are not endorsed by your school.

Did you know?

Prices are regulated by law.

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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