At SCSU, you will be able to access the University Health Services on campus at no additional cost; however, if you need to see a doctor outside of campus or if you experience any illness or injury which requires hospitalization, it is important to understand the differences in the U.S. healthcare system.
Medical care in the United States can be prohibitively expensive without adequate health insurance coverage. As such, the university requires all of our international students to purchase and maintain a health insurance policy.
To make the process easier, we have established minimum requirements you should should be looking for when purchasing a policy. As well, we have partnered with ISO – International Student Insurance to offer policy options.
Your health insurance policy needs to meet the minimum coverage standards established by SCSU:
- Medical benefits of at least $100,000 per accident or illness
- Repatriation of remains in the amount of $25,000
- Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
- A deductible not to exceed $500 per accident or illness.
An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above.
Your policy must be effective for the entirety of the academic year and if you remain in the U.S. throughout the summer, we strongly recommend you maintain coverage throughout the summer. When purchasing a policy, you must adhere to the following dates:
FALL 2021: 8/1/2021 to 12/31/2021
SPRING 2022: 1/1/22 to 5/31/2022
SUMMER 2022: 6/1/2022 to 7/31/2022
You are able to purchase health insurance policy that meets the minimum requirements through the SCSU Preferred Provider: ISO Student Health Insurance.
All three of those plans will meet the requirement; however, we strongly recommend purchasing the ISO Secure policy which includes additional coverage for vaccinations.
If you currently have an insurance policy either from a U.S. company or from abroad that is accepted in the U.S., your policy will need to be reviewed by ISO to see that it meets the minimum requirements. You are able to have your policy reviewed by filling out the waiver request.