International Student Health Insurance International student health insurance is automatically charged to your student account if you are enrolled in at least 4 credits. Health insurance is set to begin at the official start of your academic term. Insurance cards (proof of insurance required at the clinic or hospital) will be mailed to your current mailing address a few weeks after the beginning of the term. You may also print your card and learn more about the plan online.. For more information about your student insurance please see the Counseling and Health Services webpage. Students enrolled in less than four credits are not eligible for Hamline student insurance but international students must maintain insurance coverage. Waivers Eligibility to waive Hamline's health insurance plan and replace it with a plan that meets the health insurance requirements stated below is determined by your student status: Continuing and Incoming Undergraduate Exchange students with health insurance provided by either government or home university that meets the requirements listed below are eligible for a waiver. Continuing and Incoming Undergraduate Degree-Seeking students are eligible to waive Hamline's health insurance for the 2015-2016 academic year, only if the student has government or self provided health insurance, which meets the requirements listed below. Continuing and Incoming Graduate students are eligible to waive Hamline's health insurance for the 2015-2016 academic year, if their insurance meets requirements listed below. Law students with health insurance provided by either government or home university that meets the requirements listed below are eligible for a waiver. Health Insurance Requirements All students must maintain health insurance coverage that meets these minimum requirements: Insurance shall cover medical benefits of at least $100,000 per person per accident or illness Insurance shall cover repatriation of remains in the amount of at least $25,500 Insurance shall cover expenses associated with medical evacuation in the amount of at least $50,000 A policy secured to fulfill the insurance requirements shall not have a deductible that exceeds $500 per accident or illness International students must maintain insurance as required above for the duration of the academic program at Hamline University How to Request a Waiver 1. Open the 2015-2016 Insurance Waiver Form 2. Fill out the form, sign it, and bring it to the International and Off Campus Programs Office. We must receive it no later than 2 weeks after the start of the term. Late forms will not be accepted. 3. When you drop off the waiver at the IOCP front desk, we will make a copy of your form for your file and send a copy to Student Accounts Office to be entered for a waiver. All undergraduate students (exchange and degree seeking students) require an approval signature from the IOCP office. Graduate students and Law School students do not require an approval signature. NOTE: If you require an approval signature it may take 2-3 additional business days to process as a staff member must authorize and sign your waiver form. 4. You will need to complete this process once a year. Why are students required to maintain health insurance? The mandatory insurance policy exists for the protection of students. It is extremely risky to be in the United States without adequate health insurance. The US does not have a national health care system, so individuals are responsible for all costs associated with medical care. A single day of hospitalization or medical treatment may cost thousands of dollars. Most Americans rely on insurance as protection against extreme financial hardship that can be associated with unexpected medical costs. It is important that students be protected as well. Hamline requires international students to maintain insurance that also includes medical evacuation and repatriation. These are uncommon features of domestic insurance policies, but are extremely important should something happen to you as an international student. Medical evacuation and repatriation costs can amount to tens of thousands of dollars, and without insurance that specifically covers these costs, you or your family would be responsible for paying these expenses. It is Hamline’s policy that ALL international students maintain adequate health insurance. However, for J-1 visa holders, it is also a federal regulation that you maintain insurance that meets the minimum requirements determined by the Department of State. Willful failure to comply with this requirement would result in a termination of your J visa status. Please note that having insurance does not mean that all medical costs will be covered. For specific information about what is covered in your insurance plan you must read your insurance policy statement or speak to your insurance provider.