Insurance for Students
Student Health Insurance Requirements
All IUPUI international students in F or J status along with their dependents are required to have health insurance for their entire stay in the United States. We will enroll all students who are registered for classes in the IU International Plan, administered by Anthem, and bill the bursar account for the cost.
Enrollment and billing
New students will be automatically enrolled in the IU International Plan at the beginning of their first semester at IUPUI. Continuing students will be automatically re-enrolled every semester to ensure continuous coverage. Dates of insurance coverage are August 1 - December 31 for fall semesters and January 1 - July 31 for spring semesters. The insurance premium for each semester is listed below and will be charged to the student's bursar bill.
2020-21 Academic Year
Fall 2020: $636 fee
Spring & Summer 2021: $888 fee
Exemptions from mandatory insurance enrollment
All IUPUI international students registered for classes will be automatically enrolled in the IU International insurance plan. It is important to avoid purchasing health insurance from other companies for the 2020-21 academic year. Limited exemptions will apply for students in the qualifying situations described below. The deadline to submit an Health Insurance Exemption Request e-form in Atlas for the Fall 2020 semester is September 15, 2020.
The following students are automatically exempt from mandatory enrollment in the IU International Plan (will not be enrolled or charged):
Abu Dhabi Police Scholarship ProgramKuwait EmbassyOman EmbassyQatar EmbassyQatar Higher Education InstituteRoyal Thai Scholarship ProgramSABICSACMUAE EmbassyUAE Military Attache
- Graduate students with an Assistantship or Fellowship who are enrolled in a different IU health insurance plan
Students sponsored by one of the government agencies listed below who have a valid financial guarantee on file with the Office of International Affairs (uploaded in Atlas):
Must request an exemption
Students in the following situations can request exemption from mandatory enrollment in the IU International Insurance Plan:
- Students who will remain outside the United States for Fall 2020 and enroll in their IUPUI courses online
- Students eligible for insurance coverage through a parent's or spouse's U.S.-based employer
- Students working in the U.S. on CPT or OPT who are eligible for insurance coverage through their employer
- J-1 exchange students with alternative coverage the meets J-1 requirements
The deadline to submit an Health Insurance Exemption Request e-form in Atlas for the Fall 2020 semester is September 15, 2020.
Once you are enrolled in the IU International health insurance plan, you may also purchase coverage for your dependent family members through the online IU International Student Insurance Dependent Enrollment Form. Only IUPUI students are enrolled automatically in coverage. OIA cannot enroll dependents in the insurance plan on your behalf or charge their insurance premiums to your Bursar account.
If you are a graduate student with an Assistantship or Fellowship, you are eligible for insurance coverage provided by your department. If you to prefer to enroll youself in the IU International Plan and want to add dependent family member(s), you must complete the Enroll in IU International Insurance e-form in Atlas and complete the IU Graduate Appointees & Fellowship Recipient Waiver Request in order to opt (waive) out of the insurance coverage it has offered to provide. Failing to complete the waiver request will result in being billed for both insurance policies.
F-1 Students on Optional Practical Training (OPT)
As an F-1 student on OPT at IUPUI, you will be automatically enrolled and billed for IU International insurance coverage if you register for classes. You must complete If you would like to request exemption from mandatory student insurance enrollment, you must complete a Health Insurance Exemption Request in Atlas.
F-1 students on OPT who are not registered for classes are eligible to enroll in the IU International insurance plan if desired. Request more information by contacting firstname.lastname@example.org.
IU Human Resources Student Insurance Specialist: Insurance plan information
Office of International Affairs: Student insurance enrollment, bill for premium and exemption requests
Anthem Student Insurance Plans: Questions about using insurance and medical bills
Frequently Asked Questions (FAQs)
When and how can I get my insurance card?
It takes approximately 2-5 days from the date of enrollment for your insurance benefits to reflect active status in Anthem's system.
If you are already enrolled in IU International insurance coverage during the Spring/Summer 2020 period, your current Anthem insurance card will still be valid for use in 2020-21. You can access your digital Anthem member ID card, claims information and other resources through Anthem’s Sydney Health app. You will also receive an email a few days after you are enrolled from Anthem to be sure you get connected with their online resources. You will not automatically mail you a printed insurance card, but you can request one through the Sydney Health App or by contacting Anthem.
No matter when you are enrolled for the semester, your dates of insurance coverage will match those listed on the IU Student Insurance website for the current semester. Your eligible medical expenses will be covered for those dates, even if you have not yet received a copy of your insurance card.
What if I need to go to the doctor before I have my insurance card?
If you are just getting enrolled in IU International insurance coverage and need to visit a doctor or pharmacy urgently, it is best to request expedited insurance enrollment (takes 1-2 days) by contacting email@example.com. You will be provided with a coverage letter that serves as proof of insurnace until your digital Anthem insurance card becomes available.
Another option is to pay out of pocket for your visit to the doctor or pharmacy and submit a claim to Anthem once your insurance enrollment has been activated in order to be reimbursed for the amount of the bill covered by insurance.
I am a graduate student with an Assistantship or Fellowship. What action do I need to take for insurance enrollment?
As a graduate student with an Assistantship or Fellowship, you are eligible for BOTH the IU Professional and IU International insurance plans. Learn more about both of these IU student insurance plans here. You can decide which insurance plan and cost best meets your needs.
You may be enrolled in both insurance plans, depending on when your department confirms your student academic appointment for the semester in IU's human resources system. In this the case, you must select which insurance plan you want to keep and take the following actions in order to avoid being billed for two insurance policies:
- If you want to enroll in the IU International insurance plan, you must complete the Enroll in IU International Insurance e-form in Atlas, and then complete the IU Graduate Appointees & Fellowship Recipient Waiver Request in order to opt (waive) out of the IU Professional insurance coverage that your department has offered to provide. Failing to complete the waiver request will result in being billed for both insurance policies.
- If you want to enroll in the IU Professional insurance coverage provided by your department, you must complete a Health Insurance Exemption Request eform in the "Insurance and Finances" section in Atlas. If approved, you will not be enrolled in or billed for IU International insurance coverage for the semester.
Some international graduate students prefer to enroll in the IU International Plan because they want to add dependent family member(s) and find this option to be more affordable.
I recently graduated. When will my insurance end?Your insurance coverage will expire at the end of the period of insurance coverage in which you were last registered for classes. The last day of coverage for Spring/Summer insurance is July 31, and the last day of fall insurance coverage is December 31.