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Health Insurance

Undergraduate degree-seeking students on non-immigrant visas and all visiting students (regardless of their immigration status) studying through one of UR's partnerships are required to purchase the health insurance plan offered by the University. There are no exceptions to this policy. Students may wish to share this information with their parents/legal guardians. 

Americans living abroad, dual citizens, and permanent residents will not be enrolled in the student health insurance plan unless they are visiting students studying at Richmond through one of our partnerships. If you require health insurance coverage and you are not an undergraduate non-immigrant visa holder or visiting student through a UR partnership, go to the Risk Management website to learn more about the student health insurance plan.


For the 2018-19 year, the health insurance plan cost will be $2,340 per year (or $195 per month).

Spouse and Dependent Children

Proof of health insurance for the spouse and all dependents of non-immigrant student visa holders must be provided to Krittika Onsanit before their arrival in the U.S.

Consequences of Not Getting Health Insurance

F-1 and J-1 students who do not purchase health insurance will not be permitted to register for classes. F-1 and J-1 students who fail to register for classes will be in violation of their student status.

Filing a Health Insurance Claim

For 2017-18, Aetna Life Insurance Company is the underwriter and GBG Administrative Services/Trawick International is the plan administrator.

If you already received treatment, submit a claim to the insurance company so when the doctor or hospital tries to collect payment for their services, the insurance company will be informed about the incident and can pay the claim.

For a non-emergency, obtain advance approval from the insurance company before seeking medical coverage by calling the toll-free number on your ID card or brochure.

For emergencies, seek medical attention first and then submit a claim to the insurance company. Please review procedures for your health insurance plan to be sure you have the documents required for submitting a claim.

You should mail one claim for each illness or injury. If additional information is required, the claims administrator will mail you a questionnaire; please answer all questions completely and mail the questionnaire back to the health insurance company as soon as possible so your claim can be processed.

For more information, visit the Aetna webpage on How to Use Your Student Health Insurance Plan.