Mandatory Medical Health Insurance Requirements
The university requires that all nonimmigrant international students on “F” and “J” visas enroll in the LSU Student Insurance Program at the time of registration or provide evidence in advance to International Services (IS) of acceptable insurance coverage. All acceptable insurance plans must meet or exceed the following:
- Policy minimum of $50,000 per accident or sickness for F-1 and F-2 (issued I-20 forms) or $100,000 minimum aggregate. Policy minimum of $50,000 per accident or sickness for J-1 and J-2 visa (issued DS-2019 forms) holders (required by Department of State regulations)
- Maximum deductible amount of $500 (for multiple party plans: $500 per person)
- There must also be a maximum deductible for each 12-month period of $500 per covered person, not to exceed $1,000 per policy for multiple-party plans
- Policy benefits must meet or exceed those set forth in the LSU endorsed Student Accident & Sickness Insurance plan (including maternity coverage paid as any other health conditions), regardless of gender
- A U.S. representative physically located and operating in the U.S. with a U.S. telephone number/contact who acts on behalf of insurance company/insurance plans: (benefit verification and processing ability)
- Policy must cover routine care visits for colds, flu, etc., and not just/only emergency care
- For J-1 and J-2 visa (issued DS-2019 forms) holders (required by the United States):
- Underwritten by an insurance corporation having an A.M. best rating of “A-” or above, an Insurance Solvency International Ltd. (ISI) rating of “A-” or above, a Standard & Poor’s Claims-Paying Ability rating of “A-” or above, a Weiss Research, Inc. rating of “B+” or above; or
- Backed by the full faith and credit of the government of the exchange visitor’s home country
- Minimum $7,500 benefit for Repatriation Coverage to home country (pre-existing conditions related deaths must be covered including suicide; coverage must remain in force during entire stay in the U.S.
- Minimum $10,000 benefit for Medical Evacuation Coverage to home country (pre-existing conditions related deaths must be covered; coverage must remain in force during entire stay in the U.S.)
- The School of Veterinary Medicine students are required to have the student health insurance coverage through enrollment in the university-sponsored plan or to provide proof of participation in an equal or higher coverage insurance program.
- See more at: http://www.lsu.edu/intlpro/is/insurance/mandatory.php#sthash.PS0L89ep.dpuf