Health Insurance Requirements

Due to the high cost of health care in the United States, medical insurance is required of all international students enrolled at ESU. 

Please understand that the medical insurance premium is not included in the statement of account issued by the ESU for tuition, fees, room and board. A separate payment of cash or money order is required. Details of payment will be explained at the time of application.

If you have insurance coverage through your sponsor, an agency in your home country, or through a different insurance company, which provides adequate coverage during your stay in the U.S. as a student, you are required to submit proof of coverage to the Office of International Programs.

Coverage must include:

• Minimum medical expense benefit of $100,000
• Minimum repatriation expense benefit of $25,000
• Minimum medical evacuation benefit of $50,000
• A deductible not to exceed $500 per accident or illness.
• Co-payment of medical expenses (the portion not covered by insurance that the insured pays him or herself) of no more than 25%

Details of insurance coverage must be submitted to the Office of International Programs upon arrival at ESU. Details must be written in English and include the following information:

• Company name and address
• Phone & fax numbers
• Complete name of policy holder
• Identification number, if assigned
• Effective date of coverage and expiration date of coverage
• Policy details of benefits (as described above)