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Information and Steps to Apply for Health Insurance Waiver

All international students are automatically enrolled in Health Insurance and Emergency Assistance and Evacuation Insurance upon registration for classes. All international students must pay their insurance fees before the due date in order to avoid late payment fees, even if you have already submitted your waiver application and it is being processed. If your waiver is approved, your paid insurance fee will be refunded.

If you decide to purchase alternate insurance coverage, your insurance policy MUST offer the minimum benefits below.

  • Insurance directly pays the provider or pharmacy in the U.S. for services rendered. You do not reimburse the doctor directly.
  • $400,000.00 maximum reimbursement rate per illness.
  • Inpatient and outpatient care for mental/nervous conditions
  • Emergency and non emergency medical care
  • Treatment for pre-existing conditions
  • Maternity services  
  • In-hospital room and board
  • Outpatient alcoholism and substance abuse coverage
  • Prescription drugs
  • X-Rays and laboratory work
  • Ambulance service
  • Treatment for self inflicted injuries and suicide related services
  • $50 deductible per illness or injury

If your policy meets the above minimum requirements, please print out WAIVER APPLICATION INSTRUCTIONS AND FORMS. Please read instructions thoroughly.

NOTE: GAs, TAs, Lecturers and Research Foundation Student employees who are covered under SEHP/NYSHIP/RF Health Insurance do NOT have to apply for the waiver. Even though, you do not have to submit a waiver, please make sure to pay your insurance fees before the due date in order to avoid late payment fees.  Your paid insurance fee will be refunded.

Waiver Application Deadline:
Fall Semester is October 15.
Spring Semester is February 15.

Waiver application applies to health insurance only. Students CANNOT waive out of the emergency assistance and evacuation insurance.

Please deliver completed forms to our office or scan and email ONLY in PDF format to:

EMAIL: insurancewaivers@albany.edu