UO International Student Health Insurance Requirement Procedure

This page includes procedural components associated with the UO policy “Health Insurance Requirements for International Students and Their Dependents.”

General Procedure:

  1. International students will have an academic hold placed on their accounts upon acceptance to the University of Oregon.
  2. To have the hold removed, all international students must complete either:
    • “Insurance Compliance Form” acknowledging the UO’s international student mandate policy and providing consent; or
    • “Insurance Waiver Request Form” seeking a waiver from the UO Student Health Benefits Plan (SHBP) and providing provisional consent.
  3. All students who do not have an approved waiver on file will be automatically enrolled in and billed for the UO SHBP. Premiums must be paid by the published compliance deadline to avoid a $100 late fee and a hold on their account.

Waiver Procedure:

  1. Eligible international students may seek an insurance waiver if they have US-based health coverage or other university-approved coverage that meets the following requirements:
    • The plan must be a federally certified, US-based plan (or university approved plan), compliant with the Affordable Care Act (ACA), and provide coverage for all services included in the Oregon Benchmark Plan.
    • Coverage must begin on or before the first day of the academic term in which the student is enrolled and extend through the entire term.
    • The plan deductible must be $500 or less per accident/illness per year.
    • The plan must include medical evacuation coverage of at least $50,000.
    • The plan must include repatriation coverage of at least $25,000.
    • The plan must have co-insurance of 20 percent or less.
  2. Students who wish to request a waiver from the UO SHBP must submit a waiver request form which provides proof of adequate insurance coverage to the student health benefits coordinator prior to the published compliance deadline. Documentation of such adequate coverage must indicate, in sufficient English, the insurance company's name, phone number, and address for billing purposes, policy number, coverage effective dates, and the names of the individuals covered by the policy. Students seeking an insurance waiver must submit a waiver request form prior to the published compliance deadline for each open enrollment/waiver period for full refund consideration (aligns with last day to add classes, as set by the Office of the Registrar). Any student whose proffered insurance coverage is deemed unacceptable or unverifiable will remain on the UO SHBP and will be responsible for all costs of coverage.
  3. Students may be eligible for a late waiver approval, if the student submits a waiver request form after the compliance deadline, but prior to 5:00 p.m. on the last business day of week five of the term/semester. If the waiver is approved based on the merits of the plan, the student will receive a full refund of premiums paid, but will not be eligible for a refund of the administrative fees. The UO SHBP will be terminated retroactively to the beginning of the term/semester and the student will be responsible for paying any outstanding claims.

Other Provisions:

  1. If an enrolling international student does not provide acceptable proof of adequate health insurance for him-or herself and for dependent family members in the United States, the Division of Student Services and Enrollment Management may, in collaboration with the Office of International Affairs and Office of the Registrar, restrict university registration and issuance of immigration documents (for travel, extensions of stay, employment requests, practical training, dependent matters, etc.) for the student and the student's dependent family members.
  2. International students shall be notified in writing of these requirements before departing for the University of Oregon. Additionally, notices shall be published on university websites, including but not limited to: Office of International Affairs, American English Institute, and the University Health Center.
  3. Students may contest the factual premise underlying any proposed restriction referred to in section (4) of this procedure by presenting their documentation and arguments before the vice president for Student Services and Enrollment Management or that person's designee.
  4. Pending the resolution of any dispute over the conformity of a proffered policy with guidelines referred to in section (1) of this policy, the student proffering the insurance in question shall be enrolled in the UO SHBP, and shall, in the event the proffered plan is ultimately deemed acceptable, be given a full refund of premiums and administrative fees and the UO SHBP will be terminated retro-actively to the start of coverage for the period of time in dispute and will be responsible for paying any outstanding claims.
  5. International students are responsible for updating the student health benefits coordinator with any changes to their address or insurance policy. Failure to notify the student health benefits coordinator within 10 days of a change to either insurance coverage or local address constitutes a violation of the UO Student Conduct Code.
  6. Eligibility, coverage rules, handling of refunds, pro-ration, etc. will be handled in accordance with the published plan documents.

Definitions of Student Categories:

American English Institute (AEI) student: Means any AEI student who is studying on the UO campus, enrolled in at least 1 full term course that is subject to the Student Administrative Health Fee.

Domestic student: Means any student who is admitted to the University of Oregon and does not meet the definition of an international student, international exchange/sponsored student, or American English Institute student.

International exchange/sponsored student: Means any student, degree or non-degree seeking, who is approved by the Office of International Affairs as an exchange or sponsored student to engage in an approved academic program at the University of Oregon.

International student: Means any student who is admitted to the University of Oregon and has a visa type of J or F, or other legal non-immigrant status that is approved by the Office of International Affairs as an international student.