Required Health Insurance

Health Insurance Requirements for Non-Degree Visiting Students

If you come to the University of Chicago in F status: 

All non-degree Visiting Students are eligible for the insurance policy provided through the University. This insurance meets the minimum requirements of the University. There is no federal health insurance requirement for F-1 students or their F-2 dependents, but the University's student health insurance requirement applies. You will be billed for this insurance automatically. It is possible to opt out of (waive) the insurance provided through the University.  However, you must actively do so. If you do nothing, you will be enrolled in and billed for the University's insurance for students. More information on the waiver process can be found at Student Health Services

If you come to the University of Chicago in J status:

Federal regulations make health insurance a condition of Ex­change Visitor (J) status in the United States and specify the types and levels of cover­age. The requirement applies to all J-1 Exchange Visi­tors and their J-2 dependents for their entire stay in the US. Please see the list below for a complete overview of the insurance requirements.

If you fail to carry the required insurance for yourself or your J-2 dependents, the University must terminate your participation in its J Exchange Visitor program and report that termination in SEVIS. This termination would end your lawful presence in the U.S. and therefore your affiliation with the University. Compliance with the insurance requirement is your responsibility.

All Non-Degree Visiting Students are eligible for the insurance policy provided through the University. This insurance meets the minimum requirements of both the University of Chicago and federal regulations. You will be billed for this insurance automatically. It is possible to opt out of (waive) the insurance provided through the University. However, you must actively do so. If you do nothing, you will be enrolled in and billed for the University's insurance for students. More information on the waiver process can be found at Student Health Services.

It is important to realize that any insurance that you will receive through the University of Chicago will only cover you during your official time with the University. You will also need the appropriate insurance while you are in the U.S. in your grace period before the start date of your program and after the end date of your program on your Form DS-2019. You must provide your own insurance that meets the minimum requirements as outlined below.

Federally Required Levels of Health Insurance for J Status Holders

Minimum coverage for J-1/J-2 status holders shall provide
  • Medical benefits of at least $50,000 per accident or illness;
  • Repa­triation of remains in the amount of $7,500;
  • Expenses associated with the medical evacuation of the ex­change visitor to his or her home country in the amount of $10,000; and
  • A deductible not to exceed $500 per accident or illness.
An insurance policy secured to fulfill the requirements of this section:
  1. May require a waiting period for pre-ex­isting conditions which is reasonable as determined by current industry standards
  2. May include provision for co-insur­ance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness; and
  3. Shall not unreasonably exclude coverage for perils inherent to the activi­ties of the exchange program in which the exchange visitor participates.
Any policy, plan, or contract secured to fulfill the above requirements must, at a minimum, be:
  1. Underwrit­ten by an in­surance corpora­tion having an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, a Weiss Research, Inc rating of B+ or above, or such other rating as the Agency may from time to time specify; or
  2. Backed by the full faith and credit of the government of the exchange visitor's home country; or
  3. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated spon­sor; or
  4. Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the U.S. Department of Health and Human Services.

If you have questions regarding student health insurance at the University of Chicago, please feel free to contact Student Health Services at http://healthcare.uchicago.edu/.