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.
2022-23 Academic Year
Fall 2022: $733.54 premium (fee)
Spring & Summer 2023: $1,016.41 premium (fee)
2023-24 Academic Year
Fall 2023: $739.08 premium (fee)
Spring & Summer 2024: $1,028.92 premium (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 unless you are approved for an exemption from mandatory IU insurance enrollment. Limited exemptions will apply for students in the qualifying situations described below. The deadlines to submit an Health Insurance Exemption Request e-form in Atlas are September 15 (fall semester) and January 31 (spring semester).
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 the entire semester 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 deadlines to submit an Health Insurance Exemption Request e-form in Atlas are September 15 (fall semester) and January 31 (spring semester).
The following students are automatically exempt from mandatory enrollment in the IU International Plan (will not be enrolled or charged). If you find that you are enrolled and billed for IU International insurance and need to clarify your situation, please contact email@example.com.
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):
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, exemption requests and bill for insurance premium
Anthem Student Insurance Plans: Questions about using insurance and medical bills
University Health Plans (UHP): Assistance for students experiencing difficulty accessing Anthem account, as well as enrolling dependents in insurance coverage
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.
Anthem will NOT mail you a printed copy of your Anthem member ID insurance card unless you make that request through the Sydney Health App or by contacting Anthem. There are a variety of ways that you can access a digital copy of your Anthem insurance card:
- Look up your Anthem member ID and digital copy of your insurance card online here.
- 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.
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 a qualifying IUPUI assistantship or fellowship, you are eligible for two different IU health insurance plans and may be enrolled in both. Learn more about the IU Graduate Appointee and IU Fellowship Recipient insurance plans here. You can decide which insurance plan best meets your needs.
You may be enrolled in both insurance plans, depending on when your assistantship or fellowship is confirmed by your department 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, 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 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 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.
Students with graduate assistantships ("student academic appointments") must have a Social Security Number on file with IUPUI in order to be eligible for IU Graduate Appointee insurance enrollment.
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.
Insurance coverage during post-completion OPT
If you already have IU International Student Insurance through IUPUI, it will expire at the end of the period of insurance coverage, regardless of when you complete your program. The last day of coverage for Spring/Summer insurance is July 31, and the last day of fall insurance coverage is December 31. Our best suggestion for OPT students who will not register for classes is to use the insurance offered through your employer.
If you register for classes at IUPUI any time during your OPT period, you will be billed automatically for IU International insurance. If your OPT employer will provide you with U.S.-based insurance coverage, and you would like to request exemption from mandatory student insurance enrollment, you must complete a Health Insurance Exemption Request in Atlas.
If your OPT employer does not provide you with insurance coverage and you would like to enroll in the IU International plan during OPT, contact firstname.lastname@example.org.