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Health Insurance

Mandatory Requirement

Health insurance coverage is mandatory for every international student on an F-1 or a J-1 visa enrolled at Eastern Kentucky University (EKU). All international students will be automatically enrolled in the Eastern Kentucky University's health insurance plan at the time of class registration. The charge for coverage will be automatically added to your bill each semester.

Why EKU Requires Health Insurance?

  • Unlike many other countries, the United States does not provide free health care; individuals are responsible for all costs of their health care.
  • Health care in the United States is very costly. The cost of medical treatment and hospitalization in the U.S. can cost hundreds or thousands of dollars.
  • Having health insurance will help to minimize the costs and cover any medical expenses that may impact your ability to complete your studies while attending EKU.


Under limited circumstances, some international students may apply and be granted a waiver from EKU health insurance requirement if they:

  • Have EKU athletic health insurance coverage.
  • Are fully sponsored by their governments (including health insurance coverage).
  • Are exchange students fully sponsored by U.S. based organizations such as Intstitute of International Education (IIE) etc.
  • Are students receiving health insurance coverage through their U.S. spouses’ or parents' employers.

Waiver Request 

To apply for a waiver you must fill out the Health Insurance Waiver Form and submit proof of insurance coverage before the semester deadline to be considered for the waiver. You will be notified via email about approval or denial of your application.

If insurance coverage is not valid for the entire academic year, then you must submit a new Health Insurance Waiver Form each semester.  Please note that submitting a waiver application does not guarantee that a waiver will be granted.


  • Spring Smemester:  January 4th
  • Fall Semester:  August 1st
  • Summer Semester:  May 1st

Note: If you fail to submit the waiver form by the deadline, insurance charges may stay on your account. We encourage you to apply for the waiver as soon as you are enrolled for clasess!

Required Documents

Submit the following documents to be considered for a waiver. Failure to submit these documents can lead to denial of your waiver request.

  • Health Insurance Waiver Form
  • Copy of your health insurance ID card (or written verification of coverage from the insurance company or employer)
  • Copy of Scholarship Letter showing coverage for health insurance 

Insurance for Dependents

You are strongly encouraged to buy health insurance for your dependents (i.e. spouse and children). If you are currently enrolled in the EKU sponsored health insurance, you may be able to add your dependents in the same plan.

However, your dependents will not be automatically enrolled in the plan. You must fill out EKU-Dependent Insurance Coverage Form and pay the insurance fee online for your dependent's health insurance separately and directly to Cultural Insurance Services International. 

Provider and Health Insurance Policy


Below is the cost for the 2017-2018 health insurance rate. Please note that the cost for health insurance will be added to your student tuition and fee bill each semester.

FALL Student     $ 635 August 1, 2017 - Dec. 31, 2017
  Dependent   $1395  
SPRING-SUMMER  Student     $ 889 January 1, 2018 - July 31, 2018
  Dependent    $1953  
SPRING ONLY* Student     $ 635 January 1, 2018 - May 31, 2018
  Dependent      $1395  
SUMMER** Student    $ 254 May 1, 2018 - July 31, 2018
  Dependent      $ 558  

* This is rate for students going home during in the summer. If you are spending your summer in the U.S. please pay the spring-summer rate. 

** Please note, the summer rate only applies to students beginning their programs of studies in the summer.