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.  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 at 765-285-1109.  Permission to purchase other insurance will be permitted only if the student can establish that the insurance policy meets the minimum requirements stated above.

The insurance policy available through the university 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 either the Rinker Center for International Programs at 765-285-5422 or the Office of Risk Management at 765-285-1109.        



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) 285-1109
Fax: (765) 285-1128
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