student health insurance

Please visit the Frequently Asked Questions about Insurance for further information about insurance questions

DISCLAIMER: The information below has been provided by the Student Health Insurance Office. All questions about insurance should be directed to this office as ISSS staff cannot advise on insurance-related questions.

University Policy

The University of Illinois Board of Trustees requires all students to have effective health insurance in order to offset the potential costs of medical care for the duration of their enrollment.  In accordance with this policy, all students are automatically enrolled in the Student Insurance Plan, and assessed the corresponding fee as part of their tuition bill.


The UIUC Student Insurance fee is assessed as part of each student’s tuition bill following their registration. Fee amounts are available on the Student Insurance website.

Coverage Timeline

The insurance plan covers students for the entirety of each semester in which they are enrolled, becoming effective on the first day, and terminating on the last. 


Student insurance is used for a variety of purposes, including necessary emergency care, ambulance transport, mental health, and birth control, amongst others.   A full explanation of the policy’s benefits and exclusions is available at, under the link entitled “policy brochure”. 

Adding Dependents

Any insured student may add their spouse and/or children as dependents on their student insurance policy.  Dependents may be added only during open enrollment periods at the beginning of each semester, or within 31 days of the “life changing event” (marriage, in the case of a spouse; birth, in the case of a child.)
In order to add a dependent during an open enrollment change period, the insured student must first confirm their status using the “enrollment form” found online at  Dependents may then be added online using the student’s “myaccount”.

Opting Out of Student Insurance

Students who have health insurance comparable to that offered under the University of Illinois Plan have the option to waive that coverage, along with the associated fee.  In order to be considered “comparable” the other insurance must meet the following conditions:

  • It must be in effect on the first day of the semester; this date may be prior to the first day of class, or the student’s arrival in the United States.  The coverage must stay in effect until the last day of the semester; this date may be after the last day of exams, or after the student’s departure from campus.
  • It must have no annual or lifetime limit on coverage.
  • It must have provisions for the cost of medical care received within a 50 mile radius of the UIUC campus.
  • It must be ACA compliant.

If the other insurance meets the above qualifications, the student may then fill out the waiver form found online at, and bring documentation from the other insurer to the Student Health Insurance Office.  The documentation should show proof of the above conditions, be written/translated into English and with currency amounts represented in American dollars. Upon acceptance the UIUC Student Insurance fee will be remitted to the student’s account within 5-10 business days.  Once a waiver is successfully completed, the student will not be enrolled in, nor assessed the fee for the Student Insurance in any subsequent semesters falling in the same academic year as the waiver.


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