UMD: A Globally Connected University

Health Insurance

New Freshmen and Transfer Undergraduate Students

All undergraduate students and J-1 international scholars are requried to purchase UMD's University Student Health Insurance Plan (SHIP) policy.  

As of Fall 2017 health insurance is mandatory for all newly admitted undergraduate freshmen and undergraduate transfer students registered for 6 or more credits. 

All undergraduate F-1 and J1 students will be automatically enrolled in the University Student Health Insurance Plan (SHIP), he/she will automatically be enrolled in SHIP for the academic year and the cost will be billed to his/her student bursar account.  

All questions regarding this policy may be directed to the Director of ISSS. 

Read more on the Health Center's website.

All J-1 Visa Holders

Regulation

As an Exchange Visitor in the United States, you are required to carry health insurance for yourself and your J-2 dependents for the full duration of your J program. Government regulations stipulate that if you willfully fail to carry health insurance for yourself and your dependents, your J-1 sponsor must terminate your program, and report the termination to the United States Department of State (DOS) in Washington, DC. All J1& J2 Exchange Visitors (except Non-Degree Exchange Students) should upload proof of insurance coverage into the iTerp system upon arrival to UMD and maintain coverage throughout your stay at the University of Maryland.

Non-Degree J1 Exchange Students

The University of Maryland requires that all incoming Non Degree J1 exchange students are enrolled in the UMD Student Health Insurance Plan (SHIP). Coverage can be found at: http://www.firststudent.com/.

SHIP cannot be waived even with proof of other insurance. Students will automatically be enrolled and billed through their UMD account for the period that matches their DS-2019 program dates.

Incoming Exchange students do not have the option to waive the SHIP insurance.

Required Insurance Specifications for all J1 Exchange Students
While you hold J-1 or J-2 status, you are required to carry the following type and amounts of coverage:

  • $100,000 (minimum) for each accident or illness.
  • $50,000 (minimum) for the expenses of your travel, if a doctor advises you to be sent home because of a serious illness or injury.
  • $25,000 (minimum) in benefits to send your remains to your home country for burial, if you should die in the United States.
  • $500 (maximum) deductible per accident or illness.
  • Waiting period for pre-existing conditions must be reasonable by current standards in the insurance industry.
  • The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by USIA (an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above).

Insurance Options for J-1 Scholars and UMD Degree Seeking J1 Exchange Students
If the University of Maryland is your J-1 sponsor, you have several options that comply with the J-1 regulation.

  • Maryland Benefits Plan is available to some Maryland employees. This does not provide for medical evacuation or repatriation insurance so you must also enroll in a supplemental policy to cover those benefits. One option, called Frontier Medex, is available through the University Health Center and covers only medical evacuation and repatriation.  If you do not choose Frontier Medex, you must show documentation of an alternative supplemental plan to cover those benefits.  Be sure to upload proof of insurance for both plans to iTerp, including expiration dates.
  • University Student Health Insurance Plan (SHIP) student insurance policy is available for students at the Health Center.
    • Students may sign up during the open enrollment periods at the beginning of each term or within 30 days of being removed from another policy.
  • If you are already covered by a U.S. based insurance policy that meets the requirements below, please provide written proof of coverage to ISSS.
    • Clearly specify the amount of coverage, deductible, co-payments, and exclusions.
    • Provide period and type of coverage and the policy concerning pre-existing conditions.
    • State company rating
    • For repatriation, UMCP offers a group insurance policy which provides emergency medical Evacuation and Repatriation Insurance. To enroll, please visit the Health Center Business Office, room 1142 at the Health Center.

Where To Find Insurance Information
If you need information about purchasing the University Student Health Insurance Plan (SHIP) you may contact the Health Center at (301) 314-8165 or via email at insurance@health.umd.edu.

  • If you have questions concerning the J-1 insurance regulations please click here.