Insurance for Students

The IU health insurance plan for international students offers many advantages.

As an international student at IUPUI, you are required to have health insurance for your entire stay in the United States. You may have purchased insurance in your home country that meets this requirement. If not, you will be automatically enrolled in the IU International Student Health Insurance Plan and be billed for the costs. Insurance enrollment takes place automatically after the waiver deadline each semester. To enroll and receive your card earlier, complete the iStart form called "International Student Health Insurance Confirmation".

Aetna Student Health, a full-service insurance company, administers the IU plan. There is a fee, but IU has negotiated reasonable rates. Other insurance providers offer plans at attractive prices, but these plans often limit coverage to catastrophic illnesses only. The plan that IU has negotiated for you includes much better coverage for all of your health needs.

Learn more about IUPUI’s health insurance plan »

What should I do if I know I want the Aetna plan?

You have two options:

  1. You can do nothing. If you do nothing, you will be billed and enrolled in the Aetna plan about 11 days into each fall and spring semester. You will receive your insurance card about 2-3 weeks after that.
  2. If you wish to be billed and enrolled earlier, you may complete the "International Student Health Insurance Confirmation" eForm in your iStart Insurance and Finances menu beginning July 1 for fall semesters and November 1 for spring semesters. You should receive your card about 2 weeks later. 

No matter when you are enrolled in the plan, your coverage dates will always be August 1 - December 31 for fall semesters and January 1 - July 31 for spring semesters.

When will I get my insurance card?

This really depends on when you are enrolled; you will recieve your card about 2-3 weeks after you are enrolled via one of the options above. The most important piece is that you update your LOCAL address in One as that is where Aetna will send your card.  You can find instructions to update your address here. You may also print a temporary card from Aetna's website (instructions below).

Can I get a copy of my card before it arrives in the mail?

Yes! You can print a temporary card from Aetna's website as long as you have been enrolled in the plan. 

  • Step 1: Confirm you are enrolled

    If you completed the International Student Health Insurance Confirmation eForm, we submit enrollment lists to Aetna every Wednesday. About 4-5 business days after that submission is when Aetna has your temporary card prepared and ready for download. 

    For example:

    • Enroll via eForm on Friday, August 1

    • Information is submited to Aetna by OIA on Wednesday, August 6

    • Your temporary card should be available by Tuesday, August 12

    If you choose to do nothing (option #1 above), your information will not be turned over to Aetna until the 11th day of the semester. This means that you will not have access to an online card until the first or second week in September (for fall) or the end of January (for spring).

  • Step 2: Go to the Aetna website

    Visit the Aetna Student Health website directly.

  • Step 3: Choose the correct plan

    In the purple box on the Aetna webpage, select "Indiana University Students and Scholars" if you have been enrolled in the international plan. (Medical and Dental students with insurance through those programs can select "Indiana University Professional Student Plan").

    Aetna Insurance Plan - "Indiana University International Students and Scholars"

  • Step 4: Let Aetna know what you want to do

    Select "Print Your Card" from the menu Aetna presents to you.

    Print your card

  • Step 5: Enter your information

    You will be required to enter your 10-digit IUPUI student ID number and your date of birth (MM/DD/YYYY). Click Submit.

    Enter your university ID and DOB

  • Step 6: Review your card

    Aetna should then present you with a copy of your card online. You can print this copy for your records and/or use it at the doctor's office as proof of health insurance.

    Aetna temporary insurance card

  • Troubleshooting

    If a card does not populate for you, try these steps to see if you can find your card:

    1. Review the date that you completed the International Student Health Insurance Confirmation eForm. We only submit enrollment files to Aetna every Wednesday and it takes Aetna 4-5 business days from that time to prepare your card. Most likely, you are looking for your card too early.

      Likewise, if you did not enroll early, your insurance card will likely not be available until mid-September or late January depending on the semester.

    2. Review the date you are entering as your date of birth. Make sure you are trying the MM/DD/YYYY format. If that doesn't work, try entering DD/MM/YYYY. If the DD/MM/YYYY format delivers your card, contact OIA so we can correct our records. 

    If you can confirm your enrollment date was more than 10 days prior to when you are looking on Aetna's website for your card, contact for help finding your temporary card.


Can I go to the doctor before I get my insurance card in the mail?

Yes. You can obtain a temporary card from the Aetna website here (after you have been enrolled). You will need your IUPUI university ID number and date of birth to find your temporary card. Another option is to pay for your appointment at the doctor's office in full, then submit a reimbursement claim to Aetna.

Do I need an SSN for health insurance?

Due to U.S. federal regulations, health insurance companies are required to collect Social Security Numbers (SSNs) for all of their enrollees. You may receive a letter from Aetna or your other U.S. based health insurance company requesting your SSN.

  • If you HAVE an SSN

    Please follow the directions that your health insurance company provides you.

  • If you DO NOT HAVE an SSN

    Ignore the letter you are sent. Aetna is aware that not all international students are eligible for SSNs. However, they are still required to request the SSN from you at least three times. This same letter is being sent universally to all populations Aetna serves, but it doesn't include any instructions for special populations - like you! Please do not be concerned by the tone and urgency of the letter - if you do not have an SSN, you will still be covered under the Aetna health insurance plan.

Insurance for Dependents

You may also purchase health insurance through IU for your dependents. You must fill out an application form and pay separately for dependent insurance. It cannot be billed through your Bursar bill, and there is no automatic enrollment. After your own enrollment as a student is confirmed with Aetna, you may go online to add your dependents to your policy.

Follow these instructions on how to add your dependent(s):

  • Step 1: Ensure you are adding your dependent by the appropriate deadline.

    There is a limited amount of time to add dependents to your coverage. For fall semesters, dependents must be added to your plan no later than September 15. For spring semester coverage periods, dependents must be added no later than January 31. 

    If you have dependents to enroll, we strongly encourage you to complete the International Student Health Insurance Confirmation eForm located in your iStart Insurance & Finances menu as soon as it becomes available. This allows OIA to turn your information over to Aetna much sooner than the automated billing. This makes the next step (below) much easier.

  • Step 2: Confirm your own enrollment

    In order to add a dependent, you will need to confirm your account has been updated for the upcoming semester. You can do so by logging in to the Aetna Student Website directly. In the large purple box, be sure to enter: Indiana University International Students and Scholars. This will take you to a new page within the Aetna system. Ensure that your own coverage has been extended into the next semester. This must be done before you can add a dependent. If your coverage has not yet been added, we suggest completing the International Student Health Insurance Confirmation eForm located in your iStart Insurance and Finances menu as soon as possible. For fall semesters, this request is available beginning June 1. For spring semesters, this request becomes available November 1.

  • Step 3: Select your dependent coverage

     Once you have confirmed your own enrollment, you should be able to navigate to additional purchasing options. About middle of the page, click on the link Enroll DependentsEnter your IUPUI student ID number (this typically starts with either a 0 or 2 and is printed on your IUPUI admission letter) and your date of birth. the next screen should include all the different options you are eligible to purchase. Click the pink Add Dependent(s) button located under the menu item 18/19 International Dependent Enrollment option.  Once this option is in your cart, click continue. You will be asked for details on your dependent(s) and contact information.
  • Step 4: Pay for your dependent coverage.

    Confirming your purchase on the Aetna website is very similar to shopping online. Once you have entered your dependent(s) details and contact information, you will be asked for a credit/debit card to pay for the coverage period. This is called the premium. Premium amounts can be found on the University Human Resources webpage.

  • Step 5: Wait for Confirmation/Insurance Card from Aetna.

    Part of the information Aetna collects from you is contact information. You should receive a receipt for your payment immediately upon paying your dependent premium. Then, you should receive an email confirmation of your coverage within 2-4 business days of your purchase. Your insurance card should be delivered to the address you provide Aetna within about 2 weeks. If you miss your card, you can also request duplicates through the Aetna website.

Add dependents to your IU insurance policy online »

If you cannot use the online form, you must download a paper form from the IU Human Resources website.


Health Insurance Waivers

Some groups may qualify for an automatic waiver of this policy:

  • If your government sponsors you and provides insurance to you, you do not need to complete the waiver request. You must ensure that OIA has your most recent financial guarantee and any updates.  These sponsors include:
    • Kuwait Embassy
    • Qatar Embassy
    • Qatar Higher Education Institute
    • SABIC
    • SACM
    • UAE Embassy
  • If you have a Student Academic Appointment of .375 FTE or higher. This exception will be automatic as soon as your department completes your hire paperwork in the university HR system.
  • If you have a Fellowship. As soon as your department completes your paperwork, this exemption will also be automatic.

If you do not fit into any of the above groups, you may choose to purchase a different health insurance plan; however, you MUST file a waiver request in iStart before the end of the waiver period. Your insurance plan must meet minimum requirements. Learn more »


If you have further questions about the plan, you may contact the student health care representatives on campus at If you have questions about billing or waivers, you may contact the Office of International Affairs at