MSU STUDENT HEALTH INSURANCE WAIVER

MSU international students and medical (College of Human Medicine - CHM, College of Osteopathic Medicine - COM, and College of Veterinary Medicine - Vet Med) are enrolled  automatically  in the MSU Student Health Insurance Plan (SHIP). All medical students and a limited number of eligible international students who can demonstrate other insurance coverage that meets the applicable waiver criteria, may apply for a waiver. 

The charge for MSU's SHIP will be added automatically to your tuition bill. If your waiver application is approved, the insurance charge will be removed from your tuition bill for the period requested. If you do not apply to waive coverage by the deadline, the insurance charge will remain on your tuition bill and you will automatically be enrolled in the insurance plan for the fall or spring coverage period. 

Apply for a waiver at the Relation website here: https://4studenthealth.relationinsurance.com/. For specific instructions see question below "How do I complete the waiver?"


Waiver Options for International Students

Most international students will no longer have the option to waive health coverage through MSU’s SHIP. When international students come to MSU to study, their visa requires them to have health insurance for the length of their program. However, many international student visas do not require them to purchase health insurance that meets the coverage minimums of the Affordable Care Act. This frequently results in students purchasing inadequate health insurance that does not cover necessary protections, like emergency evacuation (i.e. natural disaster, etc.) or repatriation.

To ensure international students have adequate coverage, MSU no longer gives most international students the option to waive coverage starting with the fall 2020 semester. Find more information about which international students will still be eligible to waive coverage and waiver criteria below.

Review a list of waiver frequently asked questions here.

Waiver Information

To waive the MSU's coverage plan, your coverage plan must meet the following criteria (varies by student type):

International Student Waiver Criteria

  • Covers a minimum of $500,000 per condition without time limitation.
  • Has a policy year deductible of $500 or less per individual.
  • Covers inpatient and outpatient medical services (including labs and x-rays).
  • Covers inpatient and outpatient mental health services.
  • Covers prescriptions up to a minimum of $500,000.
  • Provides coverage worldwide.
  • Has $50,000 or more provision for medical evacuation to your home country.
  • Has $25,000 or more provision for repatriation (removal of remains after death) to your home country.
  • Provides coverage for the waiver period requested.

Medical/Veterinary Student Waiver Criteria (Human Medicine/Osteopathic Medicine/Vet Medicine)

  • Covers hospitalization.
  • Covers preventative services like annual physicals.
  • Covers emergency care.
  • Covers lab work and x-rays.
  • Covers prescriptions.
  • Covers mental health and substance abuse treatments.
  • Provides coverage for the waiver period requested.

Medical and Veterinary students are eligible to waive coverage in MSU’s SHIP.

International Students
A limited number of international students are eligible to apply for a waiver to opt out of MSU’s SHIP, including:

  • International students sponsored by home governments or non-governmental organizations outside of MSU
  • International students enrolled in an online degree program
  • International students remaining outside the U.S. for the full waiver period
  • International students with MSU staff benefits, through own employment or spouse/parent employment
  • International students with U.S. employee benefits, through own employment or spouse/parent employment

These groups are still subject to the waiver criteria and will need to follow the waiver application process as outlined in Section below.

  • International students sponsored by home governments or non-governmental organizations outside of MSU:
    Process: Contact Office of International Students and Scholars (OISS) to verify that you are a Sponsored Student at ihealth@msu.edu or 517-353-1720. If you meet the criteria, OISS will send your information to Human Resources to change your eligibility to waive. Once waiver eligibility to waive is updated, you will be notified that you can submit a waiver request on the Relation website at https://4studenthealth.relationinsurance.com/.
  • International students enrolled in an online degree program

    Process: Contact the Solutions Center in MSU Human Resources at Solutionscenter@hr.msu.edu or 517-353-4434 to notify that you are in an online degree program. If you meet the criteria, HR will change your eligibility to waive, and you will be notified that you can submit a waiver request on the Relation website at  https://4studenthealth.relationinsurance.com/.

  • International students remaining outside the U.S. for the full waiver period
    Process:  Contact OISS to complete an “exemption request” at ihealth@msu.edu or 517-353-1720. If you meet criteria and exemption request is approved, OISS will notify Human Resources and Human Resources will create and approve a waiver for the approved exemption period. 

  • International students with MSU staff benefits, through own employment or spouse/parent employment

    Process:  Contact the Solutions Center in MSU Human Resources at Solutionscenter@hr.msu.edu or 517-353-4434 to notify that you are enrolled under MSU staff benefits and if you meet the criteria, HR will change your eligibility to waive, and you will be notified that you can submit a waiver request on the Relation website at https://4studenthealth.relationinsurance.com/

  • International students with U.S. employee benefits, through own employment or spouse/parent employment
    Process: Contact the Solutions Center in MSU Human Resources at Solutionscenter@hr.msu.edu or 517-353-4434 to notify that you are enrolled under a U.S. employer benefit. If you meet the criteria, HR will change your eligibility to waive, and you will be notified that you can submit a waiver request on the Relation website at  https://4studenthealth.relationinsurance.com/.

    Please note:  These processes may take up to 1-2 weeks to complete.

  • Fall/Annual: July 6 – September 30
  • Spring I: October 14 – February 28
  • Spring II: October 14 – February 28
  • Spring III: March 16 – June 30

You can only waive coverage for Spring III if you are a new student beginning summer semester. For all other enrollment periods, if you do not complete a waiver prior to the deadline, you will have to wait until the next period to waive coverage.

Questions? Contact the Solutions Center at  SolutionsCenter@hr.msu.edu or 517-353-4434 or toll-free at 800-353-4434.

Apply for a waiver at https://4studenthealth.relationinsurance.com/. Choose MSU from the school dropdown and choose your plan type according to your student class (domestic, international or graduate assistant). Click "view your plan" and "Waive SHIP" icon in the HELPFUL QUICK LINKS section.