International Student Health Insurance

The United States does not have a nationalized health care system.  While in many countries the government bears the cost of health care for its citizens and even sometimes for its visitors, individuals and families in the United States are responsible for these costs themselves.  If you need medical care and do not have insurance, you may find yourself owing thousands of dollars.  The health insurance system offers you protection against these costs. 

For students on a J-1 visa the purchase of insurance is mandated and must meet the minimum requirements of the United States State Department.  Health insurance purchased through the University automatically meets those requirements.  For all other visa holders, the University recommends the purchase of health insurance. 

Effective for the Academic Year 2012-2013, all international student visa holders must purchase health insurance offered through the University or show proof of purchased insurance with a minimum benefit of at least $250,000 per accident or illness, a deductible of no more than $500, a medical evacuation benefit of $50,000 or more, and a repatriation of remains benefit of $15,000 or more.   If you are purchasing insurance through sources outside the University, such as through the internet, contact the Office of Risk Management.  Permission to purchase other insurance will be permitted only if the student can establish that the insurance policy meets the minimum requirements stated above.

Coverage is available for purchase from Haylor, Freyer, & Coon, Inc.  When purchasing any insurance policy read the educational materials carefully to know what is covered and not covered.  Pay special attention to sections dealing with Deductible, Maximum Benefit, Copayment, Network versus Non-Network Reimbursement, Eligibility, and Effective and Termination Dates.   For specific policy coverage questions or to purchase coverage contact Haylor, Freyer, & Coon, Inc. at 1-866-535-0456 or visit   

If you have general questions about this insurance, feel free to contact the Office of Risk Management at Ball State University at 765-285-2527.        

Office of Risk Management
Administration Building Room 103
2000 W. University Ave.
Muncie, Indiana 47306

Hours: 8 a.m. - 5 p.m., M-F
Phone: (765) 285-2527
Fax: (765) 285-1128
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