Waiver

Waiver requests MUST be submitted no later than 05/15/2026 to be considered.

All international students are required to enroll in the Rosalind Franklin University Health Insurance Plan (SHIP) unless a waiver is submitted and approved. The cost of the insurance coverage is not included in your tuition or fees and will appear as an additional charge on your account.  International students can request a waiver to SHIP but must demonstrate that they have equivalent, alternative health insurance coverage. In order to be approved for a waiver, your alternative health coverage must meet or exceed the requirements as set forth below and be submitted prior to the waiver deadline for returning students or the deadline for new students.  Notification of acceptance or rejection of this request will be sent to your school’s email within seven business days.

1. Criteria to submit a waiver request:
   1. Student is sponsored by the government of the student’s home country and is provided through a PPACA compliant plan. If a non-PPACA compliant plan, the sponsoring entity must guarantee payment of all health expenses in writing.
   2. Student is enrolled in a US employer-provided group health plan that is PPACA compliant.
   3. If the health plans above do not include medical evacuation and repatriation, a rider must be purchased providing this coverage.
2. The alternative coverage must meet the following minimum requirements:
   1. Provide the Essential Minimum Benefits required by the PPACA with no annual limits. A list of the Essential Minimum Benefits can be found here: healthcare.gov/glossary/essential-health-benefits/ .
   2. Policies annual Deductible of no more than U.S. $500.
   3. Contain no exclusions for pre-existing conditions.
   4. Covers 100% of Preventive Care as defined by the PPACA. A list of these preventive services can be found here: healthcare.gov/coverage/preventive-care-benefits/.
   5. Medical evacuation coverage amount is no less than $50,000.
   6. Repatriation coverage amount is no less than $25,000.
   7. Dates of coverage must meet or exceed the requirement of 06/01/2026 - 06/30/2026.
3. If your alternate coverage meets the above minimum requirements, submit electronic copies of the following documents with your online waiver request:
   1. A scanned copy of the front and back of your health insurance ID card indicating the student as a covered member.
   2. A scanned copy of your complete policy, including coverage amounts, exclusions, and limitations in English using US dollars.
   3. A scanned copy of your medical evacuation and repatriation coverage (if you have this coverage).

NOTE:  Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement will NOT be accepted by the University for waiver approval.

FOR WAIVER QUESTIONS CONTACT HELP.AHPCARE.COM