International Student Health Insurance Requirements
Required Medical Insurance Information:
All International students and scholars with F and J non-immigrant status in the United States are required to have health insurance that meets the Florida Board of Governor’s requirements.
For the most up to date information regarding the university insurance plan and instructions for submitting an alternative insurance waiver (to be considered for using a non-university insurance plan), please visit: https://www.fau.edu/shs/insurance/international.php
1. FAU Insurance Plan
International students will be routinely enrolled in the university-sponsored Student Health Insurance Program (SHIP), and the insurance premium will be charged to the student’s FAU account.
Some international students are eligible for Alternate Insurance. Eligibility requirements for Alternate Insurance http://fau.edu/shs/immunization/insurance.php#card-element-insurance
International students who wish to use an alternate insurance plan must submit a waiver form by the deadline. Students who do not submit a waiver form by the deadline will have the premium for SHIP added to their student account. Only students who are approved for the alternate insurance waiver will be exempt from being enrolled into the university offered insurance.
2. Waiver Information for Students Who Wish to Use a Non-FAU/outside Plan:
Each semester (usually one month prior to the start of the term) students will have the option to submit an alternate insurance waiver. The waiver submission is done through the Gallagher portal and can only be submitted when the portal is open to accept submissions.
To submit a waiver, go to www.gallagherstudent.com/FAU and log-in under the section for "2021-2022 FAU Student Health Insurance Plan - International Students & International Graduate Assistants". After you are signed in, click on the option to submit an alternate insurance waiver.
- Coverage Period: Policies must provide, at a minimum, continuous coverage for the entire period the insured is enrolled as an eligible student, including annual breaks during that period. Payment of benefits must be renewable;
- Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees must be paid at 80% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 70% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness;
- Inpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees with a minimum 30-day cap per benefit period;
- Outpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year;
- Maternity Benefits: Must be treated as any other temporary medical condition and paid at no less than 80% of usual and customary fees in-network or 60% out-of-network;
- Repatriation: $25,000 (coverage to return the student’s remains to his/her native country);
- Medical Evacuation: $50,000 (to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge);
- Deductible: Maximum of $50 per occurrence if treatment or services are rendered at the Student Health Center; maximum of $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care or hospital emergency department facility;
- Minimum coverage: $200,000 for covered injuries/illnesses per accident or illness per policy year;
- Insurance Carrier must, at a minimum, meet the rating requirements specified in Part 62.14(d) of Title 22 of the Code of Federal Regulations;
- Policy must not unreasonably exclude coverage for perils inherent to the student’s program of study;
- Claims must be paid in U.S. dollars payable on a U.S. financial institution;
- Policy provisions must be available from the insurer in English.
- Inpatient/Outpatient Prescription Medication: Must include coverage of $1,000 or more per policy year.
- Exclusion for Pre-existing Conditions: First six months of policy period, at most.
- Preventive care: Preventive care must be included.
Please note that FAU ISS does not oversee the student health insurance process (including waiver).
Please direct questions concerning the FAU student health insurance to Gallagher Student Health & Special Risk at 833-468-9571 or www.gallagherstudent.com/FAU.
For any other questions please contact FAU Student Health Services (SHS): http://fau.edu/shs/about/contact_us.php
Access to your insurance card / Proof of insurance (FAU Student Health Insurance Plan):
Dear international students,
Please click here for more information on how to obtain your insurance card/proof of insurance.
If you have any additional questions in regards to your health insurance plan please contact Gallagher Student Health & Special Risk directly.
You can contact them using the following options:
- Live chat http://www.gallagherstudent.com/FAU
- Via their customer service form: https://go.gallagherstudent.com/Universities/Florida-Atlantic-University/Home/Help-Center
- Phone: 833-468-9571