Dowell Health Center
Minimum Health Insurance Standards
All International Students on F AND J VISAS
are REQUIRED to have a health insurance policy while they
are in the U.S. that meets the university's
minimum standards. International students will be automatically
enrolled in the Towson-sponsored student health insurance plan
(SHIP) when
they come to Towson, and the cost of the insurance will be charged to their
university tuition account.
To waive out of this requirement and receive a refund of the
insurance charge, the student must complete a waiver application and
submit proof of an alternative insurance policy that meets
the following minimum standards:
- Coverage for both accident and sickness
- Coverage for pre-existing conditions or have a plan that has
been in force long enough so that any waiting time for coverage
of pre-existing conditions has been met.
- A minimum benefit of $50,000 (U.S.) per accident
or sickness
- A $5,000 (U.S.) maximum out-of-pocket expense per policy year
(i.e. insurance will pay 100% of covered costs after insured has
paid $5,000)
- A $500 (U.S.) maximum deductible per policy year, credited towards
the yearly out-of-pocket maximum of $5,000 above
- Prescription drug benefit
- Benefits for comprehensive reproductive health care, including
contraception and maternity care, to be covered the same as for
any illness
- Benefits for in-patient and out-patient care of mental and nervous
disorders
- A $10,000 (US) minimum Medical Evacuation benefit (to return
you to your country of residence if you are seriously ill)
- $7500 (US) minimum Repatriation benefit (in case of death, to
return your remains to your country of residence)
Waiver applications must be filed the student's FIRST
TERM
AT TOWSON and again EVERY FALL TERM by the established
deadline (Feb. 15 for spring term, June 15 for summer, September 15 for fall
term).
Waivers submitted after the deadline will not be considered and
insurance fees will not be refunded.
Waiver Application Forms:
Fall 2008
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