Office of International Services

Health Insurance and Reduced Coursload (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.

That alternate insurance policy must meet these minimum requirements:

  • Provide $50,000 per accident or illness
  • Provide coinsurance of at least 80% for in-network services
  • Provide a policy year deductible no greater than $500
  • Provide maximum of $7,500 for repatriation of remains to the home country & a minimum of $10,000 for medical evacuation to the home country

OIS is not able to waive the legal requirement that a student maintain insurance, search for or assess plans on a student’s behalf, or take responsibility for the choice that a student makes regarding the health insurance options. However, for reference we provide the below resources:

Other plans for internationals include but are not limited to:

The alternate insurance plans listed above 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.