Most international students in F and J status and their dependents are required to enroll in the IU International Plan, but limited exemptions apply. It is important you do not purchase health insurance from another company unless you are sure you qualify for an exemption category.
Limited exemptions for IU International Plan
- Graduate students with Assistantships or Fellowships who are enrolled on a different IU health insurance plan
- Sponsored students whose sending organization provides approved health insurance as stated in their financial guarantee or contract
- 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
- Students enrolled in a health insurance plan provided by their spouse's 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
J-1 Student Insurance Requirements
To be exempt from the IU International Plan, your health insurance policy must meet minimum coverage levels set forth by the U.S. Department of State:
- $100,000 for each sickness or illness (including maternity/pregnancy care)
- $100,000 for each accident or injury
- $50,000 for medical evacuation
- $25,000 for repatriation
- $500 deductible or less
Your policy’s coverage must be effective on the day you enter the U.S. until you complete your J program and depart the U.S. If your J program is active while you are outside of the U.S., you are still required to maintain health insurance coverage.