Health Insurance for International Students
All international students on F-1 student visas are required to have health insurance while they are enrolled at UH. Students can enroll in a UH-endorsed student health insurance plan or provide proof of enrollment in a health insurance plan whose benefits meet the minimum requirements set by the University.
While enrolled at UH, you are required to have coverage for each semester that you attend classes. You are required to have insurance that covers you for the entire time that you are enrolled at UH Hilo. If you enroll in summer session classes, you must have health insurance during that period.
Please keep in mind that UH Hilo has limited health care services available on campus through the Student Medical Services. Unless it is an emergency, it is recommended that you first visit the Student Medical Services office (located in the Campus Center Room 212) if you are experiencing any health problems before arranging to see a health care provider off-campus.
Why are international students required to have health insurance?
Medical care in the U.S. is expensive. Adequate health insurance is essential because the U.S. government does not pay for medical expenses. While other countries may cover the health care expenses for its citizens, in the U.S. each individual is responsible for his or her own medical expenses. A visit to the emergency room or a stay in hospital can cost thousands of dollars and the lack of adequate health insurance coverage can be financially devastating.
If you become ill or injured and have no insurance, it could prevent you from continuing your education because of the financial costs. Therefore it is very important to have insurance that covers medical expenses. By requiring international students to have health insurance, the University’s goal is to have students fulfill their educational goals.
What are the minimum requirements?
1. Comprehensive medical coverage of at least $100,000 US per accident/illness
Your insurance plan must provide medical benefits (doctor visits, hospital, surgery, laboratory tests, x-rays, etc.) of at least $100,000 US for each accident or illness. For example, if you are in an accident you will have to pay your portion (deductible, if applicable, and your co-payment) and your insurance policy must pay for covered expenses until a limit of at least $100,000 US is reached. Then if you get sick you will have to pay your portion again (deductible, if applicable, and your co-payment) and your insurance policy must pay for covered expenses until a limit of at least $100,000 US is reached.
2. Inpatient/Outpatient medical (including mental health) coverage at no less than 75% of the usual/customary charge
Your insurance plan must pay at least 75% of covered medical expenses (including mental health coverage) for both inpatient (stay at an inpatient facility/hospital) and outpatient (doctor’s office, outpatient department of a hospital or ambulatory surgery center) services. Even after you pay the deductible, an insurance plan will usually cover only a percentage of your medical expenses. For example, if the policy pays 75%, you would need to pay the remaining 25% (coinsurance/copayment).
3. Repatriation coverage of at least $7,500 US
If you die in the U.S., your plan must provide at least $7,500 US to send your body/remains back to your home country.
4. Medical evacuation coverage to home country of at least $10,000 US
If, due to a serious illness or injury, your doctor recommends that you return to your home country for treatment and/or recovery, your plan must provide up to $10,000 US for you to return home.
5. No more than $500 US deductible per accident or illness
Your insurance plan deductible cannot exceed $500 US for each accident or illness. Most insurance plans require you to pay for part of your medical expenses (this is called the deductible) before they will start to pay for any covered services. While the requirement limits the deductible to $500 per accident or illness, many plans offer either lower deductibles or no deductibles at all. Some plans also have deductibles per year instead of per accident or illness. As long as your plan does not exceed the $500 US deductible (per accident/illness or per year) then this requirement will be fulfilled. A deductible is not the same as a co-payment or co-insurance. A deductible is in addition to your co-payment/co-insurance.
6. Waiting period for pre-existing conditions no longer than 6 months
Your insurance plan cannot exclude coverage for any pre-existing conditions longer than 6 months. Each company has its own definition of pre-existing conditions, but basically pre-existing conditions are any physical or mental conditions for which medical advice, medication, diagnosis, care, or treatment was recommended or received prior to enrollment on your insurance plan. Some insurance plans exclude pre-existing conditions while some plans might put a waiting period on pre-existing conditions.
A waiting period means that your insurance company will not cover any pre-existing conditions for a certain amount of time; this waiting period can range from 6 to 18 months. For example, if your plan has a 12 month waiting period for pre-existing conditions and you have previously received care for asthma, then you will not have coverage for any care or services related to asthma for 12 months. As long as your plan has either no exclusions for pre-existing conditions or a waiting period of 6 months or less, then this requirement will be fulfilled.
What options do I have?
Health insurance plans must be approved by the Director of ISS. Every international student on an F-1 student visa must provide proof of adequate health insurance every year.
The University of Hawaiʻ offers a student health insurance plan. Any student may choose to enroll in this health insurance plan. For more information on this plan, click here. Please note that there are deadlines each semester to enroll in this particular health insurance plan.
Students may choose other options, including:
- A health insurance plan from your home country
- HTH Worldwide Student Health Insurance
- International Student Insurance.com (Budget or Select plans only)
- Compass International Student Scholar Health Insurance Plan
- ISO Student Health Insurance for International Students
- Premier International Student Health Insurance Plan
- Student Secure International Student Insurance
- A U.S.-based company that offers health insurance for international students
If you plan to purchase another health insurance policy, make sure this policy meets the UH minimum requirements before you purchase it, as many policies do not meet these requirements. Consult with the Director of ISS to make sure it meets the requirements. Please note that the University does not endorse any specific health insurance plan except for the University's plan.
Students from the Compact of Free Association Nations
Students from the Compact of Free Association nations are not required to have health insurance, although it is strongly recommended. If you intend to reside in Hawaii, you may be eligible for Med-Quest at no cost or little cost. To apply, pick up an application at the office at 88 Kanoelehua Avenue, Room 107, in Hilo, or write to them to request an application(Department of Human Services, East Hawaii Section, 88 Kanoelehua Avenue, Room 107, Hilo HI 96720). Applications are not currently available online.
For detailed information and resources for those looking for information on the current status of health care coverage for people from the Compact of Free Association nations who live in Hawaii, please visit the Healthy Pacific website.