UNC Chapel Hill International Student Health Insurance Waiver Guide 2026-2027

ENROLL TODAY

There is still time to waive for the Fall 2026 Semester - Deadline Sept. 10th For Fall Semester be sure your effective dates are 8/1/2026 to 12/31/2026. Contact us if you need assistance!

If you are an F-1 or J-1 student heading to the UNC Chapel Hill this fall, you have already been auto-enrolled in the UNC Chapel Hill Student Health Insurance Plan (SHIP) at a cost of $2,624/$4,733 for the year. That is a lot of money. The good news is you do not have to pay for it.

How Much Can You Save at UNC Chapel Hill?

You can waive the school plan and choose a VISIT® Insurance alternative that meets all of UNC Chapel Hill 's requirements and save as much as $1,598 dollars! Your waiver

deadline is SEPTEMBER 10, 2026. Here is what you need to know.

UNC Chapel Hill Waiver Requirements

Before you choose a plan, you need to know what UC UNC Chapel Hill requires for your waiver to be approved. The school will check that your alternative plan meets these specific standards:

What UNC Chapel Hill Requires:

All VISIT® plans listed for UNC Chapel Hill are designed to meet these requirements.

 

How to Submit Your Waiver — Step by Step

Step 1: Visit   University of North Carolina Chapel Hill | VISIT International Health Insurance and choose your plan. Enrollment takes about 3 minutes.

Step 2: As soon as you enroll, you will receive your digital insurance ID card and your Certification Form instantly.

Step 3: Log into the school's waiver portal   https://campushealth.unc.edu/charges-insurance/mandatory-student-health-insurance-hard-waiver-process/ and upload your documents.

Step 4: Wait for the school to review and approve your waiver.

That is it. Four steps, and the hardest part — finding a plan that actually meets UNC Chapel Hill  requirements — is already done for you.

If you have questions about your waiver at any point, email us at info@visitinsurance.com. We help students with this every single day. We have been doing this for almost 50 years.

Plan Comparison: UNC Chapel Hill SHIP vs. VISIT® Plans

Here is how the UNC Chapel Hill school plan compares to three of our most popular options for UNC Chapel Hill students. All three meet UC UNC Chapel Hill 's waiver requirements.

		SAVE up to $1598	SAVE up to $1,335
Benefit	UNC System SHIP Plan	ROYAL 500 $500 Deductible	UnitedHealth Care PLUS $500 Deductible
Undergrad Semester	$2624 Annual	Ages 17-22: $1,025.65 Ages 23-26: $1,496.50 Ages 27-30: $2,507.55	Ages 17-22: $1,288.80 Ages 23-26: $2,037.60 Ages 27-30: $4,993.20
Graduate Semester	$4,733 Annual
		*Semester billing available	*Semester billing available
COVERAGES
Medical Maximum	Unlimited	Unlimited	Unlimited
Maximum Out-of-Pocket	$9,600		$6,850
Deductible	$2,000	$500 ($0 & $100 also available)	Choose: $500 or $100 Annual
Coinsurance	60%	80% In-Network 60% Out-of-Network	80% In-Network 60% Out-of-Network
Copayments	Office visit: $90 Urgent Care: $175Specialist: $150	Office visit: $30Urgent Care: $50	Office visit: $30Urgent Care: $50
ER Coverage	$750	$300 Deductible (waived if admitted)80% coinsurance In-Network60% coinsurance Out-of-Network	$250 Deductible (waived if admitted)80% coinsurance In-Network60% coinsurance Out-of-Network
Telehealth	Included	Included	Included
Prescription	$15/$30/$40/$70	$10/$20/$40	$15/30%/45%
Mental Health Outpatient & Inpatient	$10 copay	80%Outpatient: $30 copay	Paid as any other sickness
Preventive Care	100%	100% In-Network	100% In-Network
Immunizations (Titers)Polio, Varicella-Zoster AB, Hepatitis B, MMR, Hep B, Hep A, Tdap, and Rubella & TB screening & testing	100%	Required Immunizations covered	Allowed Amount after Deductible
Pre-existing conditions	No Waiting Period	No Waiting Period	No Waiting Period
Maternity		Deductible + 80% Coinsurance	Paid as any other sickness
Intercollegiate Sports Coverage		Not Covered	Not covered
Medical Evacuation		$25,000	Unlimited
Repatriation		$100,000	Unlimited
Accidental Death			$5,000
PPO Network	Blue Cross Blue Shield	UnitedHealthcare PPO	UnitedHealthcare Options PPO
AM Best Rating		Arch Re. Arch Capital Group Ltd., “A+“ AM Best Rating	UnitedHealthcare “A+“ AM Best Rating
		Review Plan Details	Review Plan Details
		Enroll Today	Enroll Today

Enroll in a VISIT® plan for UC UNC Chapel Hill now → — lock in your rate before September 10, 2026

• 9/10/2026 Fall 2026 semester

• 1/31/2027 SPRING 2027 Semester 

Why Students Choose VISIT® Insurance

We are not the school plan — and here is why that matters:

•        Almost 50 years of experience (since 1979)

•        Super broker with multiple plans from multiple carriers

•        Age-based pricing (younger students pay less)

•        Money-back guarantee (full refund if waiver is denied within 14 days)

•        3-minute enrollment with instant documents

We are not just trying to sell you whatever the most expensive plan is or whatever the cheapest plan is. We are trying to take the time to match the need and the budget at the same time. That is what makes us different.

Do Not Miss the SEPTEMBER 10, 2026 Deadline

The waiver portal is open now. You can enroll in a VISIT® plan and submit your waiver documents today. It takes less than 10 minutes total — 3 minutes to enroll, and a few minutes to upload your documents to the school portal.

ENROLL NOW  → Get your waiver documents instantly.

Questions? We Are Here. Email: info@visitinsurance.com  Phone: 703-660-9062

 Money-Back Guarantee

If the school denies your waiver, you may request a full refund within 14 days of the denial date, provided the plan has not been used. Email your denial notice to info@visitinsurance.com and we will process your refund. No risk, no hassle.

VISIT® Insurance has been helping international students find the right health insurance since 1979. We are a licensed insurance broker based in Mount Vernon, Virginia, and we serve students at over 700 universities across the United States.

Disclaimer: Benefits and premiums are subject to change. Please review policy documents for complete coverage details and the school's current waiver requirements.