International Student Insurance Requirements

International students who have J or F immigration status are required by The University of North Carolina System to carry health insurance as a condition of enrollment at The University of North Carolina at Chapel Hill.  In addition, as part of the United States Department of State J Exchange-Visitor visa regulations, all J-1 Exchange Visitors are required by government regulations to carry health insurance for themselves and their J-2 dependents throughout the duration of their academic program.

Any J-1 exchange-visitor who willfully fails to maintain the insurance coverage, or makes a material misrepresentation to The University of North Carolina at Chapel Hill concerning such coverage, will be in violation of their immigration status and subject to termination as a J-1. 

Any policy, plan, or contract secured to fill the health insurance requirements must, at a minimum, be:

  1. Underwritten by an insurance corporation having an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-i” or above, a Standard & Poor’s Claims-paying ability rating of “A-“ or above, or a Weiss Research, Inc. rating of “B+” or above; or
  2. Backed by the full faith and credit of the government of an exchange visitor’s home country; or
  3. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or
  4. Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HCFA) of the U.S. Department of Health and Human Services.

Minimum Health Insurance Plan Requirements for J or F Immigration Status 

  1.     The health insurance plan must have a minimum medical benefit of $100,000 coverage for each specific illness or injury.
  2.     The plan must have a deductible not to exceed $500 per accident or illness.
  3.     The plan must provide at least $25,000 in benefits for repatriation of remains to the home country in case of death.
  4.     The plan must pay up to $50,000 for medical evacuation to the home country.
  5.     The plan must provide coverage of activities inherent to the Exchange Visitor’s program.
NOTE: Campus Health is unable to file claims with an international insurance company. 
      We can provide the necessary paperwork for the student to file their own claims.

International Student Waive / Enroll Procedures

  • To submit your waiver request go to , choose WAIVE and register with your PID and date of birth. If you are waiving using an international or travel insurance, you will be required to attach proof of your insurance, dates of coverage and a copy of your insurance plan benefits. To receive an approved waiver your minimum benefits must match or exceed the requirements listed above. All documentation must be in English. An approved waiver is needed each semester to have the Student Health Insurance charge reversed from your University account.
  • To waive, an insurance policy must be effective (active) on or before September 1 for the fall semester and on or before February 1 for the spring semester.
  • To enroll in the UNC Student Health Insurance Plan (Student Blue) eligible students should go to . New Students choose ENROLL and register with your PID and date of birth. Returning students login with their University email address and their chosen password. Complete the online form. BCBS will mail you an insurance card.
  • Students who want to participate in the Student Blue Insurance Plan should enroll each semester before August 1 or January 1 to activate the insurance. You activate the insurance each semester before you need an immunization, prescription or have other medical needs.  The Student Health Insurance charge will be on your University account.
  • Incoming International students and scholars also have the option of purchasing GeoBlue International Health Insurance.  Follow the enrollment instructions to get coverage under this plan.