Mandatory Medical Health Insurance and Repatriation/Medical Evacuation Coverage Requirements
All non-immigrant international students in F and J student visa status are required to purchase and maintain adequate medical health insurance and repatriation/medical evacuation (Repat/M.E.) coverage while they are enrolled at LSU, and the medical health insurance policy and Repat/M.E. coverage must meet LSU’s medical health insurance and Repat/M.E. coverage requirements which are listed below. Therefore, these students will be automatically charged for and enrolled in the LSU endorsed plan, Gallagher Student Health/United HealthCare. However, students may choose an alternate medical health insurance plan and Repat./M.E coverage. to be considered as long as it meets or exceeds the following requirements:
- Policy minimum of $50,000 per accident or sickness for F-1 and F-2 (issued I-20 forms) or $100,000 minimum aggregate. Policy minimum of $100,000 per accident or sickness for J-1 and J-2 visa (issued DS-2019 forms) holders (required by Department of State regulations)
- Maximum deductible amount of $500 per accident per illness (for multiple party plans: $500 per person per accident per illness), not to exceed $1,000 per policy for multiple-party plans.
- A U.S. representative physically located and operating in the U.S. with a U.S. telephone number/contact who acts on behalf of insurance company/insurance plans: (benefit verification and processing ability).
- Maternity visits must be paid as any other health condition, regardless of gender.
- Policy must cover visits for colds, flu, etc., and not just/only emergency care.
- Minimum coverage of $25,000 repatriation of remains to home country.(pre-existing conditions related deaths (including suicide) must be covered; coverage must remain in force during entire stay in the U.S.)
- Minimum coverage of $50,000 medical evacuation to home country. (pre-existing conditions related illnesses must be covered; coverage must remain in force during entire stay in the U.S.)
- For J-1 and J-2 visa (issued DS-2019 forms) holders (required by the United States)
- Underwritten by an insurance corporation having an A.M. best rating of “A-” or above, an Insurance Solvency International Ltd. (ISI) rating of “A-” or above, a Standard & Poor’s Claims-Paying Ability rating of “A-” or above, a Weiss Research, Inc. rating of “B+” or above; .or
- Backed by the full faith and credit of the government of the exchange visitor’s home country
- Co-insurance provisions will be permitted requiring exchange visitor to pay up to 25% of covered benefits per accident or illness*Repatriation and medical evacuation coverages may be assessed separately for those F and J students and dependents with policies lacking the repatriation/medical evacuation coverage requirements for $45 per person + $15.00 processing fee per year.
- The School of Veterinary Medicine students are required to have the student health insurance coverage through enrollment in the university-sponsored plan or to provide proof of participation in an equal or higher coverage insurance program