Office of International Education

How to waive health insurance fees

Effective for the fall 2011 semester, there will be only three categories under which a student may be considered for a waiver of the insurance coverage.  

IPFW requires that all international students purchase the University-sponsored health insurance plan unless they fall into one of the following three categories which qualifies them for a waiver.

 Who qualifies for a waiver?

  • Category # 1 - Government-sponsored students whose home government purchases insurance for students and does not just supply funds to purchase an insurance plan of their choice.  
  • Category # 2 - Students employed by a U.S. or Canadian based employer or the dependent of a U.S. or Canadian-based employee with employer-based health insurance.
  • Category # 3 - Students who are participants in an official study abroad exchange program (J-1 exchange students).

Note: Individual and private insurance companies will no longer qualify for a waiver.


Please Note: International graduate students with benefit-eligible graduate staff appointments (benefit-eligible TA or RA positions) will have the option to purchase a IPFW University Graduate Staff Health Insurance Plan.

If you are in one of the three categories eligible for a waiver, please note the minimum criteria for granting a waiver are as follows:

  1. Coverage must be in effect from the 1st day of classes through the last day of final exams.
  2. Medical benefits per accident or illness of at least $200,000. *
  3. Repatriation of remains in the amount of $25,000.*
  4. Medical evacuation coverage in the amount of $50,000.*
  5. An annual deductible per year not to exceed $500* per illness (per person).
  6. To qualify, an insurance policy must be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the participant's policy may be backed by the full faith and credit of the government of the exchange visitor's home country

*Amounts must be in US dollars($) and are the minimal amounts required at the time a waiver request is reviewed at the University.

There is no monetary profit for the University if a student purchases the University plan. The benefit is ensuring that all international students have an adequate health insurance plan and are protected from huge financial burdens.


    Health Insurance Forms [PDF]

    You should download, print, and complete the forms listed below in order to apply for a health insurance waiver.