Health Insurance Waivers

Requesting & Submitting the IU Health Insurance Waiver

All enrolled international students at IU South Bend are automatically charged for the mandatory IU International Student Health Insurance plan premium each Fall and Spring semester/Summer session. The amount is billed to their student account by the Office of the Bursar in two installments: once for the fall semester, and once more for spring/summer.  

In order to waive out of the automated IU health insurance premiums, a student with alternative health insurance coverage must 1) establish that certain basic coverage requirements (outlined in the Requirements section) are met, and 2) submit the waiver request eform on iStart (see the Instructions section) every fall and spring semester that they elect to utilize an alternative health insurance plan under which they are covered.

1. Requirements
2. Instructions

1. Waiver Requirements

If you have health insurance from your home country (or other sponsor) or from a US based company that covers you while you are studying in the United States, you may waive out of the mandatory IU international student health insurance plan. In order to successfully waive out, first ensure that your policy is valid for the entire duration of the applicable waiver period(s):

Fall: 08/01 - 12/31
Spring: 01/01 - 07/31

In addition, your plan must meet or exceed the following minimum coverage levels:

$100,000 for each sickness or illness
Maternity Benefits: same as sickness; pregnancy, childbirth, and complications
$100,000 for each accident or injury
$50,000 for medical evacuation
$25,000 for repatriation
Deductible (or excess fee) of no more than $500 per sickness or injury (per person)

(All amounts and requirements in U.S. dollars)

You may submit a waiver request once you have verified that your insurance policy satisfies these requirements. 

2. Waiver Submission Instructions

Waivers must typically be submitted online through the iStart eform. (Click here to acess the insurance waiver request eform.)

The lone exception is if are beginning your first semester of studies at IU South Bend in the summer. All students beginning their first semester at IU South Bend in the summer must fill out the paper waiver instead. 

You can access the waiver eform up to 30 days before the first day of classes. The deadline to submit a waiver is 10 days after the first day of classes; after that period, the eform will no longer be available.

Below is a video walkthrough demonstrating how to access and submit the health insurance waiver on iStart.  

It is important that you provide accurate information about your health insurance plan to avoid denial of your waiver request. Be sure to confirm your provider's contact information, policy number/ID, coverage periods, etc., before submitting the eform.

Once your waiver request has been submitted, you will receive an email in your IU email account informing you of our decision. If your request is denied, you will be automatically billed for the mandatory IU international student health insurance plan.

Ready to fill out and submit your waiver request? Log in to iStart to begin!