Health Insurance Requirements

J-1 Health Insurance Requirements & Exceptions

All international students in F-1 and J-1 status are required to have the NKU sponsored student health insurance, which will be charged to all students’ NKU billing accounts each semester.

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 OR their home university, 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.
• For J-1 students, copies of health insurance plan summary along with photocopy of health insurance card

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:

• Copies of health insurance plan summary along with photocopy of health insurance card

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 10 days of the start of the semester. Requests submitted after the first 10 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.