Enrollment in the ISEP Student Insurance is a condition of placement for both ISEP Exchange and ISEP Direct, and will not be waived even if you are covered under another insurance policy.

If you fail to enroll, or do not enroll in adequate coverage, your acceptance cannot be finalized. ISEP policy permits us to enroll you in your required dates, and to bill you for the premium plus a penalty fee.

Your insurance policy’s dates must cover the entire program period listed in your host’s Institutional information Sheet. This means your enrollment dates should begin on or before the “Official Arrival Date” and end at least one day after the “Last date of Benefits” listed on the IIS.

Students Exempted from ISEP Health Insurance Enrollment

EU students studying at another EU location

EU students going to another EU university are exempt from enrolling in the ISEP insurance program.

DAAD Scholars

DAAD Scholars are exempt from enrolling in the ISEP insurance program. . The student is required to provide ISEP a verification letter from the DAAD.

Students from Ghana

Students from Ghana will be automatically enrolled in the ISEP Health insurance once they have accepted their placement. The cost for the health insurance premium is paid by ISEP. Please consult with Director of Member Relations for Africa programs, Linda Stuart at lstuart@isep.org if you have any questions.

ISEP Health Insurance Exceptions

Below is information regarding specific locations’ health insurance requirements. If your destination is listed, carefully read the information provided below. If you do not see your host country below, please click here to proceed with enrollment.

Australia Austria Canada Czech Republic Estonia Finland France Germany New Zealand Switzerland South Africa United Kingdom

Australia

All ISEP students going to Australia are required to purchase the Australian health insurance, Overseas Student Health Cover, in order to obtain a student visa for Australia. You will receive OSHC enrollment information from your host institution. Your host institution will only issue your Confirmation of Enrollment after you have enrolled in the OSHC.

The OSHC covers between 85 to 100 percent of costs for doctor visits, laboratory services and x-rays. Students may be expected to make a co-payment for any difference between the amount payable under the Medicare Benefits Schedule and the amount actually charged for the medical service; the plan covers 100 percent of hospital services.

Students are advised to review the information listed on the OSHC Worldcare site

Also See your Institutional Information Sheet for further information. As a result of Australian law requiring all international students to enroll in OSHC, ISEP’s full insurance policy is not required but is still recommended for the following reasons:

  • OSHC does not include periods before and after your program start date;
  • OSHC does not include periods of travel during your program. Unless you have coverage through another insurance provider for these items, ISEP advises you to purchase the full ISEP student health insurance plan.

If you choose NOT to enroll in ISEP’s full coverage policy, you must STILL complete the ISEP online enrollment process to purchase the repatriation/medical evacuation supplement MER which costs US$8/month.

Austria

Due to this location’s specific health insurance requirements, students studying here are eligible for waivers of the full ISEP health insurance policy. These students can instead opt for a policy with less coverage. The MEDEX supplemental policy – MER Medical Evacuation and Repatriation of remains, ensures access to emergency medical assistance and coordination of benefits.

For ISEP participants going to Austria, full ISEP student health insurance coverage may be waived. However, students must still enroll in the Medex MER Medical Emergency coverage for the duration of their stay. Additionally, students will be required to enroll in Austrian National Health Insurance upon arrival. Students participating for one semester only will be provided a coverage letter by their host institution for visa purposes. The coverage letter will indicate that the student will be enrolled in Austrian National Insurance for the duration of their program. Although you are not required to purchase full ISEP health insurance, please carefully consider the following:

  • You may not be able to enroll in host country health insurance until after you register at your host institution.
  • National insurance coverage may not cover you when you travel outside of the host country
  • National insurance policies do not include medical evacuation and repatriation of remains

ISEP therefore encourages students to purchase full ISEP health insurance coverage for any time they will be in their host country before or after their program dates, and during any periods of travel that are not covered by the Austrian National Insurance program. See your Institutional Information Sheet for further information.

Canada (Brock or Laurentian)

ISEP participants traveling to Brock University and Laurentian University in Ontario, Canada are required to enroll in the provincial university health plan. ISEP participants traveling to Thompson Rivers University in British Columbia, and the University of Regina in Saskatchewan, Canada, are required to enroll in the ISEP health insurance plan. See your Institutional Information Sheet (IIS) for further information.

If you plan to study at Brock or Laurentian, you are not required to purchase the full ISEP health insurance, but might consider doing so for the following reasons:

  • You may not be able to enroll in the host country health insurance until you register at your host institution;
  • Provincial insurance coverage may not cover you when you travel outside the host country. Unless you have coverage through another insurance provider for these items, ISEP advises you to purchase the full ISEP health insurance plan.

If you choose NOT to enroll in ISEP’s full coverage policy, you must STILL complete the ISEP online enrollment process to purchase the repatriation/medical evacuation supplement MER which costs US$8/month.*

Czech Republic

*All students going to the Czech Republic are required to purchase full ISEP health insurance, as well as local health insurance with a Czech company in order to get their visa. All insurance companies must be authorized to provide insurance services in the Czech Republic. Students will receive a list of appropriate insurance companies from the Czech Embassies abroad.

The list is also accessible at the web pages of the Czech Ministry of Foreign Affairs.

Approximate cost of local Czech insurance companies is $125.00 for the duration of a 1 semester stay. Students must enroll in both ISEP health insurance and Czech insurance upon acceptance of placement. Students will not be able to obtain their visa without valid health insurance. The coverage provided by the Czech travel health insurance plans includes the following:

  • costs incurred as a result of injury or sudden illness
  • medical repatriation to the state whose travel document you hold or where you hold a residence permit
  • coverage up to the amount of at least 30,000 EUR
  • coverage for the entire Schengen territory and the entire period of your stay in the Schengen area.

France

All foreign students in France are required by law to enroll in Sécurité Sociale (sécu), the French national health insurance program, at a cost of €215, which will be paid upon arrival in France. This is in addition to the required ISEP health insurance. The ISEP insurance primarily covers emergency medical care; the Sécurité Sociale is necessary in order to see a doctor or dentist for general treatment while in the European Union.

The Sécurité Sociale covers some, but not all, medical expenses (on average about 70 percent). It supplements the ISEP insurance because it covers:

  • the US$50 deductible
  • dental care
  • eye exams and glasses

The Sécurité Sociale does not cover:

  • medical evacuation
  • repatriation
  • medical emergencies during travel to and from France and outside the European Union

The ISEP insurance is required because it covers medical expenses above the US$50 deductible as described in the ISEP insurance information. If you did not have the ISEP student health insurance, you would have to purchase additional French insurance in addition to Sécurité Sociale

Germany

Not Including Summer or ISEP Direct Students going to Marburg.

For ISEP students going to Germany on a Reciprocal Exchange program: Students going to Germany on an exchange basis will be required to purchase German National Health Insurance upon arrival on campus and may therefore waive Full ISEP student health insurance coverage for the duration of their program. National insurance policies do not include medical evacuation and repatriation of remains. Purchase of ISEP MER Medical Evacuation and Repatriation coverage for is required, which costs US$8/month. It is also recommended that students purchase full coverage for any time they will be in their host country before or after their program dates, or during any travel that is not covered by the German National Insurance plan.

Students going to Germany on a ISEP Direct program must purchase full ISEP health insurance for their duration of stay, including any periods of stay before or after program dates. A letter will be provided by ISEP for students studying in the IUSP program which will verify their insurance coverage. Students will present these letters to the German authorities as part of the registration process.

Please note that students participating on the summer Science and Engineering Research Project at Gottfried Wilhelm Leibniz Universität Hannover are only required to purchase MER Medical Evacuation and Repatriation coverage, which costs US$8/month. Students will enroll in German National insurance upon arrival in Hannover.

New Zealand

Due to this location’s specific health insurance requirements, students studying here are eligible for waivers of the full ISEP health insurance policy. These students can instead opt for a policy with less coverage. The UHC Global supplemental policy – MER Medical Evacuation and Repatriation of remains, ensures access to emergency medical assistance and coordination of benefits.

In order to enroll at the host university, ISEP participants destined for New Zealand must purchase insurance that meets the New Zealand Ministry of Education’s minimum guidelines. Students need to consult their host university for insurance policy recommendations and enrollment procedures. Students will not be allowed to register for classes until they have submitted proof of sufficient insurance coverage to the host university.

Further information on this insurance requirement can be found on the Massey University website and the NMIT website.

You must STILL complete the ISEP online enrollment process to purchase the repatriation/medical evacuation supplement MER which costs US$8/month.

Switzerland

ISEP participants studying abroad at ISEP member institutions in Switzerland are required to enroll in health insurance policies at Swiss government-approved levels. Students at Bern, Fribourg, Lausanne, and Zurich can enroll in a Swiss-based health insurance company or another acceptable health insurance plan according to the local cantonal authorities. For some policies, students may need a supplemental policy to cover regular or unique medical needs such as allergies, diabetes, and psychological visits. Costs vary based on the policies chosen. Students should anticipate paying a minimum of roughly US$80/month.

Students can attempt to have their home country-based health insurance validated, but they should be aware that cantonal government requirements are quite high and coverage for search and rescue are mandated. If students plan to do this, they should verify with their insurance company that the policy can be used in Switzerland (or elsewhere while traveling abroad) as well as obtain as much information about their policy as possible, including such documents as a policy manual, member card, and certification letter from the insurance company. They should also consider the possibility of a supplemental Swiss-based insurance policy.

If students don’t have any health insurance coverage before their arrival to Switzerland, they must consider the risks of not having any medical coverage while traveling.

In order to ensure that all ISEP students have access to emergency medical assistance and coordination of benefits, medical evacuation and repatriation, all students going to Switzerland must enroll in the UHC Global supplemental policy that provides these services at a cost of US$8 per month.

Students can compare policies and premiums using the Comparis Search Tool. A common policy chosen by students is “Student Care” with CSS. Students are responsible for researching, paying for, and enrolling in any insurance they take out for their exchange to Switzerland. They are also responsible for the validation process of their health insurance with the local Swiss authorities. Neither ISEP nor its Swiss member institutions are responsible for the services provided by any health insurance company selected by the student.

For more information regarding national health plans, see the Country Handbooks.

If students choose NOT to enroll in any coverage under the ISEP student health insurance program, they must still complete the ISEP online enrollment process by enrolling in ISEP’s UHC Global supplemental policy (MER-Medical Evacuation Repatriation) online.

Students Going to Finland

Students going to Finland may need to purchase health insurance from a separate provider for their residence permit applications. Please consult with the Director of Member Relations for Scandinavia, Linda Stuart at lstuart@isep.org, if you have any questions.

Full Year Students Going to the United Kingdom

Due to this location’s specific health insurance requirements associated with the Tier 4 Student Visa, students studying in the United Kingdom for the full year are eligible for waivers of the full ISEP health insurance policy. These students can instead opt for a policy with less coverage. The UHC Global supplemental policy – MER Medical Evacuation and Repatriation of remains, ensures access to emergency medical assistance and coordination of benefits. Students who are studying in the United Kingdom for one semester or less and voluntarily apply for the Tier 4 Student Visa instead of the Short-term Student Visa are not eligible for this waiver.

All students who apply for the Tier 4 Student Visa are required to pay a healthcare surcharge as part of their visa application and are given access to the National Health Service in the same way as a permanent U.K. resident.

ISEP’s full insurance policy is not required but is still recommended for the following reasons:

  • NHS coverage does not include periods before and after your program start date;
  • NHS coverage does not include periods of travel during your program. Unless you have coverage through another insurance provider for these items, ISEP advises you to purchase the full ISEP health insurance plan.

Students eligible for this waiver STILL complete the ISEP online enrollment process to purchase the repatriation/medical evacuation supplement MER which costs $8/month.

South Africa

In addition to ISEP Health Insurance, all foreign students in South Africa are required to enroll in a South African registered medical aid scheme for a full calendar year. Students will purchase South African medical aid on arrival. The cost is around R2,000.

Estonia

ISEP and the University of Tartu require you to purchase a Standard SwissCare policy (approved by the government) at the rate of approx. 88 Euros for the semester. You are also required to purchase ISEP (MER) medical evacuation and repatriation insurance as a condition of placement at a rate of approx. $8 per month. Below is the link for you to purchase the approved health insurance for the Estonian government as well as an attachment that details what the plan covers. You will purchase ISEP MER insurance when you complete your acceptance materials. https://www.kindlustusest.ee/student-insurance