Insurance requirements for studying in United States as an international student or PHD Candidate
Insurance information for United States
If you are going to study and live in the United States, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.
University Registration Requirement
For all non-U.S. citizens studying in the United States, international student insurance is mandatory. Students cannot register at a university without showing proof of student health insurance.
Health Insurance Requirements for Enrolment
When you enrol at an US University you are required to take Health Insurance meeting several requirements. Minimum requirements may change per State and per university. The university will offer you an (expensive) Health Insurance product. You cannot be obliged to buy that product. You can buy alternative Health Insurance elsewhere as long as it meets the State and local requirements.
Applying for a Waiver
If you buy an alternative Health insurance, you need to apply for a waiver. With this waiver the university will review and approve the insurance you bought elsewhere. This means that the university will check and confirm that the alternative insurance is at least as good as the one they offered to you.
Important: Each University has an own procedure and deadline for the submission of the waiver. Check with your University and make sure you submit the waiver on time.
Even more with some of these alternative insurance you will also have access to the University Health Centre.
No worries, we've got you covered. Together with our partner Aon, we are going to make sure you get the perfect insurance package. Your study abroad adventure will be awesome, but insured for all risks, including health care.
Aon Student Insurance: Your Alternative Insurance Solution
Aonstudentinsurance.com offers you the possibility to buy an alternative Health Insurance product meeting the requirements of the University and will also give you information and answer your questions about the waiver you need to present.
Please note that Aon or the insurer cannot apply for the waiver on your behalf.
This insurance also includes:
- 24/7 HealthiestYou; online/telephone medical advice
- 24/7 Student Assistance Program; crisis support, financial and legal advice, mediation, living well portal Virtual Counselling: access to mental health providers
- ID Card
- Online services
And all this at a lower price than the university offering of most Universities. Roughly $100 cheaper per month on average (* )
Free quote from Aon
Around 2.300 US Universities currently accept this insurance solution. To be fair with you some Universities do not accept alternative Health insurance, Aon will not offer you a product if it’s known that this is the case.
Check Aonstudentinsurance.com to verify if your university is included in the list
Our partner Aon, (NYSE: AON) is one of the largest insurance brokers in the world, over 50.000 employees provide clients in over 120 countries with advice and solutions that give them the clarity and confidence to make better decisions
(*) What’s the catch? How is this price difference even possible? There are many factors affecting the price of insurance. Per example the fees paid to the parties involved in the contract or the claims experience; price is often based on the claims paid in the past years for students at that University and the alternative insurer prices are not calculated per university but for the whole group of international students coming to the United States, so a major medical claim in one university will not necessarily increase the price for that single university but will be absorbed by the whole group.
About United StatesThe United States is renowned for its exceptional universities and colleges, consistently ranked among the best worldwide. With an impressive selection of over 150 universities featured in international rankings, the U.S. stands out for its top-tier business, medical, and engineering schools. What sets American universities apart is their emphasis on academic flexibility, allowing students to tailor their study experience through optional courses and extracurricular activities. Moreover, depending on the location of your studies, you will have the opportunity to explore iconic landmarks such as the Statue of Liberty, Empire State Building, Golden Gate Bridge, Grand Canyon, Mount Rushmore, Disney's Magic Kingdom Park, and many more breathtaking attractions.
Get custom advice for your situation from our partner, Aon. Click the button below and enter the wizard Aon created. It provides information on prices based on your country of origin, destination, and current insurance status. All this without any obligations on your part!