Health Insurance and Reduced Course Load (RCL) Eligibility

International students (in F and J status) are legally required to maintain adequate health insurance throughout the duration of their academic programs at NC State. Most students are granted that insurance through the UNC-systems hard waiver plan administered through Student Blue.

To be eligible for the Student Blue plan Graduate students must maintain a minimum of one credit hour enrollment; undergraduate students are required to have six credits of enrollment for plan eligibility.

Based on the current insurance eligibility criteria, if a student requests an RCL which would result in that student losing eligibility for Student Blue insurance, that student must show proof of “other” credible insurance through the duration of that semester of enrollment. In order for the RCL to be approved the student must submit proof of insurance along with the RCL form to OIS. No RCLs can be approved without proof of on-going and credible insurance coverage.

See the minimum requirements for health insurance

Effective May 15, 2015, the alternate insurance policy must meet these minimum requirements:

  • Provide $100,000 per accident or illness
  • Provide $50,000 provision for medical evacuation;
  • Provide a $500 maximum deductible per illness;
  • Provide $25,000 minimum repatriation coverage.

See a list of health insurance providers

The alternate insurance plans listed are for informational purposes only. OIS does not endorse one plan over another. It is the student’s responsibility to read and understand all limitations and coverage provided by any plan the student chooses. Any questions regarding health insurance should be directed to the health insurance company not OIS.

Other plans for internationals include but are not limited to: