Insurance Requirements

International Students Insurance Requirements

NMU Insurance Policy (2018-19)

NMU Insurance Brochure (2018-19)

Insurance Waiver Form (2018-19)   

Program participants and their dependents are required to have medical insurance coverage with the following minimum benefits

  • Medical benefits of at least $250,000 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.

Sponsors must require that their participants (and any dependents entering the United States as holders of a J-2 visa) have insurance in effect during the period of time they are in the sponsor's program. 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. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country. For other options, see [22 CFR 62.14].

Program regulations also discuss coverage through HMOs and self-insurance of the above requirements by federal, state or local government agencies, state colleges and universities, and public community colleges, if permitted by law. Refer to [22 CFR 62.14] for additional information.

NMU Requirements:

  • Mental Health coverage of 30 days outpatient and 30 days inpatient
  • A United States billing address, claims phone number and contact person
  • Coverage remains in force for the full year 8-15-2018 to 8-14-2019 (NOTE: Your insurance company may be contacted to confirm coverage)

(NOTE: Travel insurance policies will no longer be considered eligible health insurance policies.) 

NMU Enrollment Process:

All F1 and J1 visa students will be automatically enrolled in the LewerMark International Student Health Insurance Plan and your NMU student account will be charged for the appropriate coverage. If you apply for an insurance waiver, and it is approved, then the International Education Services Office will remove the insurance charge from your NMU student account. 

All F1 visa degree seeking students are required to have 12 months of insurance coverage. All J1 exchange students are required to have insurance for the semester(s) that they are in the U.S. 

  • 12 months coverage (8-15-2018 to 8-14-2019) $1,703.64
  • Fall only coverage (8-15-2018 to 1-14-2019) $714.13 (J1 exchange students only)
  • Winter only coverage (1-15-2019 to 5-14-2019) $560.10 (J1 exchange students only)
  • Academic Year Coverage (8-15-2018 to 5-14-2019) $1.274.23 (J1 exchange students only)

1. Your athletic scholarship will only cover your NMU Health Insurance for the fall/winter semesters. (The amount of your insurance that is covered depends on your scholarships percentage).

2. If you decided to appeal the NMU insurance your athletic scholarship will be adjusted as the cost of insurance is included in your athletic scholarship. If you want to know how it will affect your scholarship, please contact the Athletic Department and/or Financial Aid Office.

How to waive out of the NMU health Insurance policy:
You must provide a copy of your own health insurance plan and fill out the Insurance Waiver Form and provide it to the International Education Services Office. Your policy will be reviewed and a decision will be emailed to you. (NOTE: Travel insurance policies will no longer be considered eligible health insurance policies.) 

If you have any questions, please feel free to contact the International Education Services office at