HEALTH INSURANCE EXCEPTIONS

No foreign-based health insurance policies or travel insurance policies will be considered for a waiver for F-1 Students. Exceptions will be made only for students who meet one of the following criteria:

1. J-1 and F-1 students who are sponsored entirely by the government of their home country, including health insurance coverage.

To request a waiver, provide the following document to ISSS within 15 days of the start of the semester:

  • Photocopy of the front and back of the health insurance card provided by the sponsoring government.

2. J-1 students who are sponsored by the U.S. government or an international organization and are provided health insurance coverage.

To request a waiver, provide the following document to ISSS within 15 days of the start of the semester:

  • Photocopy of the front and back of the health insurance card provided by the sponsoring government or international organization.

3. J-1 and F-1 students who have insurance provided through U.S. employment or through a parent or spouse’s U.S. employment.

To request a waiver, provide the following document to ISSS within 15 days of the start of the semester:

  • A photocopy of the policy and health insurance card showing your name and dates of coverage.

Requests for waivers must be submitted within the first 15 days of the start of the semester. Requests submitted after the first 15 days of the start of the semester will not be eligible for a waiver.

If your request is approved, the waiver will be granted. The final decision to waive the NKU health insurance requirement will be made by International Student and Scholar Services. Requests for waivers and refunds of NKU health insurance for previous semesters will not be granted.

Note: Before requesting a waiver, please keep in mind that health care in the U.S. is extremely expensive and most medical facilities do not bill out-of-country insurance providers. Payment of the medical bill is the patient's responsibility. The patient will need to seek reimbursement from the home country insurance provider. Health insurance is required for your financial protection and for expenses of the health care providers. The university is not responsible for medical expenses or filing claims.