International Students and Scholars Office

Clark students

Health Insurance

Information for International Students

Complete information about the University's new policy regarding Health Insurance for all Clark students.

Information for International Scholars

(Does not apply to international students)

Health care in the United States is probably very different from health care in your own country. The United States has no national health program, and health care is very expensive. If you have health insurance coverage from your home country, please be sure to bring complete documentation to show you have comparable coverage. If your policy does not meet the required coverage, you can purchase Clark's Student Health Insurance Plan. You are required to have health insurance to cover more extensive health care, such as emergency treatment, hospital stays or visits to a specialist, x-rays, prescription medicine or laboratory tests. This health insurance will protect you from economic hardship if you have sudden expenses for medical care. International students will need a new prescription from a U.S. doctor in order to purchase medication in the U.S. Some medications available in your home country may not be available in the U.S. All students must be immunized in accordance with Massachusetts law. If you cannot get certain immunizations in your country, please explain this situation when you return your immunization forms. You will not be allowed to register for classes until you are properly immunized according to state law.

Please check with your hosting department at Clark to see if you will be eligible for Clark benefits. If not, you will have to purchase health insurance. Listed below are a few companies that offer health insurance for international scholars in the United States.

   HTH Worldwide
   Marsh
   Compass Benefits Group
   International SOS Inc.
   The Harbour Group
   BETins
   ISO – Student Health Insurance

Plans are subject to change.

Individuals who hold J-1 Exchange Visitor Status must have health insurance that meets the following minimum federal requirements:

The policy must provide "medical benefits of at least $50,000 for each accident or illness", according to the text of the regulations. Since insurance companies cover no more than the policy-holder's expense (minus a deductible and, under co-insurance, a percentage), and never provide a minimum amount for each accident or illness, the quoted text should be worded differently. Presumably it was intended to mean that an acceptable policy cannot set a maximum lower than $50,000 in benefits for each accident or illness.

If you should die in the United States, the policy must provide at least $7,500 in benefits to send your remains to your home country for burial.

If, because of a serious illness or injury, you must be sent home on the advice of a doctor, the policy must pay up to $10,000 for the expenses of your travel (medical evacuation).

The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry.

A deductible not to exceed $500 per accident or illness. Pregnancy expenses will be covered on the same basis as illness.

The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by the U.S. Department of State (an A.M. Best rating for "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above).