International Student Insurance Information
FL Board of Governors regulation 6.009 requires that all international students with F and J status have medical insurance prior to registration. Proof must be submitted to the International Insurance Department located within the Health Information Management and Compliance Office at Student Health Services.
Students will receive a “HEINS” service indicator (health insurance hold) on their MyUCF student account. Students will not be allowed to register for classes or continue enrollment without complying with the medical insurance requirement. There are no exceptions to this rule.
The medical insurance requirement can be met in one of two ways:
- By purchasing the UCF-recommended plan through Academic HealthPlans (AHP).
- By submitting proof of alternative insurance that is compliant with all the Florida Board of Governor’s requirements.
Coverage must be continuous. It cannot lapse during school breaks, even if you return to your country during the break, or are not enrolled summer classes
The minimum coverage dates for each term are listed below:
Undergraduate and Graduate
| Term | Effective Date | Termination Date |
|---|---|---|
| Fall | August 15, 2024 | December 31, 2024 |
| Spring | January 1, 2025 | May 7, 2025 |
| Summer | May 8, 2025 | August 14, 2025 |
Intensive English Program
| Term | Effective Date | Termination Date |
|---|---|---|
| Fall 1 | August 15, 2024 | October 9, 2024 |
| Fall 2 | October 10, 2024 | December 31, 2024 |
| Spring 1 | January 1, 2025 | February 26, 2025 |
| Spring 2 | February 27, 2025 | May 7, 2025 |
| Summer 1 | May 8, 2025 | June 18, 2025 |
| Summer 2 | June 19, 2025 | August 14, 2025 |
Note: Documentation may not be submitted via email. Click here to upload your insurance documents.
Please allow 1-3 business days for processing after you have submitted your documentation.
UCF Recommended Health Insurance Plan
UCF has partnered with Academic HealthPlans (AHP) to provide international student health insurance coverage through Aetna Student Health. If you choose to purchase this plan, please submit payment confirmation for us to verify. Additional resources and information about the plan are available below:
Graduate and Undergraduate: 2024-25 Benefit Flyer
- English
- Español – COMING SOON
- Português – COMING SOON
- عربيعربي (Arabic) – COMING SOON
Intensive English Program (IEP): 2024-25 Benefit Flyer
- English
- Español – COMING SOON
- Português – COMING SOON
- عربيعربي (Arabic) – COMING SOON
Graduate or Undergraduate
| Coverage Option | Start Date | End Date | Enrollment Deadline | Rate |
|---|---|---|---|---|
| Annual | August 15, 2024 | August 14, 2025 | September 27, 2024 | $3,556 |
| Fall | August 15, 2024 | December 31, 2024 | September 27, 2024 | $1,354 |
| Spring | January 1, 2025 | May 7, 2025 | February 15, 2025 | $1,236 |
| Spring/Summer | January 1, 2025 | August 14, 2025 | February 15, 2025 | $2,202 |
| Summer | May 8, 2025 | August 14, 2025 | June 25, 2025 | $966 |
Intensive English Program
| Coverage Option | Start Date | End Date | Enrollment Deadline | Rate |
|---|---|---|---|---|
| Annual | August 15, 2024 | August 14, 2025 | September 27, 2024 | $3,556 |
| Fall 1 | August 15, 2024 | October 9, 2024 | September 27, 2024 | $545 |
| Fall 2 | October 10, 2024 | December 31, 2024 | November 11, 2024 | $808 |
| Spring 1 | January 1, 2025 | February 26, 2025 | February 1, 2025 | $555 |
| Spring 2 | February 27, 2025 | May 7, 2025 | April 2, 2025 | $681 |
| Summer 1 | May 8, 2025 | June 18, 2025 | June 7, 2025 | $410 |
| Summer 2 | June 19, 2025 | August 14, 2025 | July 12, 2025 | $555 |
If you have additional questions regarding this Academic HealthPlans (AHP) option, please contact an account representative.
- Live Chat Online: https://help.ahpcare.com/
- 8 am to 8 pm EST (or click “Help” after hours)
- Email: UCF@ahpservice.com
- Toll-Free Phone: 855-696-6265
- Mail: 3500 William D. Tate Ave., Suite #200, Grapevine, TX 76051
Pre-Approved Alternative Insurance Plans
UCF Health Student Health Services has identified several alternative insurance plans that you may also choose from. Although these plans meet the minimum Florida Board of Governor’s requirements, these plans may have reduced benefits and additional exclusions compared to the UCF-recommended Academic HealthPlan option. UCF does not endorse alternative insurance plans, and students are strongly advised to review the policies of alternative plans prior to purchasing coverage.
If you choose an alternative plan, you are not required to provide a Compliance Form. You are required to submit proof of insurance. This document will include your:
- Name
- Policy number
- Plan effective and termination dates
Click Here to view the Alternative Insurance Plans.
Employer, Family, and Other Plans NOT Pre-Approved
Student Health Services will accept any insurance that is compliant with ALL the Florida Board of Governors’ requirements for international students. If you have existing coverage that has not been pre-approved by Student Health Services, you must submit the following information for consideration by our office:
- Proof of insurance
- Name
- Policy number
- Plan effective and termination dates
- Compliance Form
- Completed by you and the insurance company
The Compliance Form attests to the fact that your plan meets all of the Florida Board of Governors’ requirements. This form must be signed and stamped by the insurance company. Our office reserves the right to verify any submitted Compliance Forms independently. A Compliance Form is not required for any pre-approved alternative insurance plans.
Plans that do not meet all of the Florida Board of Governors Requirements will not be accepted. Please review the Florida Board of Governor’s requirements prior to purchasing any alternative plan.
Government-Sponsored Students
Students whose insurance is provided by a government sponsor will require specific documentation based on their sponsor. The required documents for all pre-approved groups are listed below:
| Group | Required Documentation |
|---|---|
| Saudi Arabian Cultural Mission | United Healthcare insurance card, financial guarantee |
| Embassy of Kuwait | United Healthcare insurance card, proof of insurance letter |
| Embassy of the State of Qatar | Cigna insurance card, financial guarantee |
| Embassy of Oman | Cigna insurance card, financial guarantee |
| Embassy of United Arab Emirates | Cigna insurance card, financial guarantee |
If your sponsor is not listed above, please submit your insurance information and a statement of financial support for review by our office.
International Graduate Teaching/Research Assistants
The College of Graduate Studies will provide health insurance from Academic HealthPlans for supported Graduate Assistants. All GTAs or GRAs who are eligible for insurance purchased by the College of Graduate Studies cannot turn in documentation directly to Student Health Services. Confirmation of insurance must be provided directly by the College of Graduate Studies.
NOTE: DO NOT SELF-ENROLL. If you are supported with coverage, this will be done by the College of Graduate Studies. You can reach out to them at gradassistantship@ucf.edu with any questions.
- Complete your assistantship agreement with your hiring department.
- Accept the insurance award on your MyUCF account following an email from the College of Graduate Studies.
- Once your agreement is processed, the College of Graduate Studies will contact Student Health Services to lift your insurance hold.
You must allow at least 2 to 4 business days for the College of Graduate Studies to process your application. Insurance holds will not be temporarily released without confirmation of insurance from the College of Graduate Studies. Inquiries regarding the status of your insurance hold should be directed to the College of Graduate Studies. Their contact information can be found below:
Millican Hall, Room 230
4000 Central Florida Blvd.
Orlando, FL 32816
Phone: 407-823-2766
Fax: 407-823-6442
http://www.graduate.ucf.edu/
Submission Instructions
- Upload your documents below as a SINGLE FILE including proof of insurance coverage and any supporting documents (e.g. Insurance Processing Agreement or Compliance Form).
- Upload your file as a PDF or JPEG.
- No encrypted files
- Save the file as your Last Name, First Name, Date of Birth (MM/DD/YYYY)
- Example: Doe John MMDDYYYY
- Name on file must match the name on UCF records
Submit Completed Insurance Documents
Please allow 2 to 3 business days from the first business day. If you are uploading your records after 3pm, the following day will be considered the first business day. After 5pm on Friday, the 2 to 3 business day processing time will apply from the first business day of the following week.
- Please make sure your document is either a JPEG or PDF file.
- If your document is encrypted, we cannot process the record.
- Be advised that if your document has a virus, is missing your name, or is damaged, we will not be able to process your records.
- Please ensure that your records contain the name UCF has on file for you. Otherwise, we will not be able to process your records.
- If you have purchased coverage with AHP, upload a screenshot or PDF of the email you will receive from AHP; if not we will not be able to clear your hold.
- If you purchased coverage from the pre-approved alternative insurance list, make sure you submit the required documentation (see hyperlink examples on the list); if not we will not be able to clear your hold.
Insurance Common Knowledge and Information
Visit the links below to access translated versions of our commonly requested insurance information.
Contact Us
Email: HSIntInsurance@ucf.edu
Phone: 407-823-6295
Campus location: UCF Health Center Bldg 127, Health Information Management and Compliance Room 213
Mailing Address: PO Box 163333 Orlando, FL 32816
Phone
407.823.6295
Email
HSIntInsurance@ucf.edu
Location
Health Center & Pharmacy, Room 213 - HIM & Compliance