*Required Insurance Benefits 

• Medical benefits of at least $100,000 per accident or illness; and
• Repatriation of remains in the amount of $25,000; and

• Expenses associated with medical evacuation of the international student to his or her home country in the amount of $50,000; and 
• A deductible not to exceed $500 per accident or illness. 

Furthermore, the insurance corporation underwriting the insurance policy must meet or exceed the following ratings: 

1. an A.M. Best rating of 'A-'; OR 

2. an Insurance Solvency International, Ltd. (ISI) rating of 'A-'; OR 

3. a Standard & Poor’s claims-paying ability rating of 'A-'; OR 

4. a Weiss Research, Inc. rating of 'B+'  

Insurance coverage backed by the full faith and credit of the student’s home country’s government meets this requirement.  

An insurance policy secured to fulfill the requirements of this section: 

• May require a waiting period for pre-existing conditions that is reasonable as determined by current industry standards; 
• May include provisions for co-insurance under the terms of which the international student may be required to pay up to 25% of the covered benefits per accident or illness; and  
• Must not unreasonably exclude coverage for perils inherent to the activities of the NWU programs in which the international student participates.