Students studying in Aruba will have the Aruban National Health Insurance (AZV) once you receive you student permit. In addition all students in Aruba will be put on the University's IMG Student Health Advantage Plan. The price is based on age and will be billed with your tuition. Students are not able to opt of out this regardless of other medical insurance they may have. This insurance is secondary to the AZV and other medical insurance you may have. It will be used in case of any medical emergency you may have and includes evacuation coverage. Please read your IMG policy carefully for list of coverages. Students are also encourage to have a medical insurance from home and keep all plan documents and ID cards with you at all times.
Students in Clinical Rotations in the USA will need to have current health insurance to provide to the hospital. This insurance is obtained directly by student. It can be from a family plan, exchange or purchased specially for students doing clinical rotations in the USA.
The school does not require medical students to purchase disability insurance policies, but we highly recommend such policies, particularly for those of you who have a family. We are required to provide access to sources of such coverage for you. The list below is a compilation of insurers who will provide individual or group disability policies to medical students. Each policy has slightly different coverage parameters, restrictions, and costs, so please evaluate these carefully to select the best policy for your individual situation. If you have questions about such policies, please see the student finance office.
American Medical Association Student Disability Income Insurance
http://www.amainsure.com/products/disability-protection/student-disability-income-insurance.html
1-888-627-5883
AMA Med Plus Advantage Disability Income Insurance for Medical Students
http://medplusadvantage.com
1-888-627-6618
Doctor Disability
http://www.doctordisability.com/insurance/medical-student
Clinical Rotations Emergency Medical Coverage and Malpractice Insurance Policy
Effective March 1, 2026
Applies to All Students Participating in Clinical Rotations
1. Mandatory Coverage Requirement
As a condition of participation in clinical rotations, all students are required to maintain:
- Emergency Medical Coverage
- Malpractice Insurance Coverage
Students may not begin, continue, or resume clinical rotations without satisfying these requirements.
The University reserves the right to verify, approve, reject, require supplemental coverage, or modify insurance requirements at any time.
2. Emergency Medical Coverage
A. Non-U.S. Citizens
All non-U.S. citizen students are required to enroll in the University-designated IMG Emergency Medical Coverage Plan.
- Enrollment is automatic and mandatory.
- Students may not opt out.
- No substitutions or alternative policies will be accepted.
B. U.S. Citizens
U.S. citizen students may request exemption from the University Emergency Medical Coverage requirement by submitting proof of comparable insurance coverage.
The following conditions apply:
- Documentation must be submitted and approved prior to the start of clinical rotations.
- Coverage must remain active and continuous throughout the entire clinical training period.
- The University retains sole and absolute discretion to determine whether submitted coverage is adequate.
- The University may deny exemption or require supplemental coverage if deemed necessary.
- Once the annual fee has been assessed, no retroactive exemptions or adjustments will be granted.
If exemption is approved, the student remains responsible for the malpractice insurance portion of the annual fee.
3. Annual Coverage and Applicable Service Fees
The required annual fee for clinical students is $3,000 per year, which includes required insurance coverage and all applicable administrative and service fees.
This annual amount consists of:
- $1,500 – Emergency Medical Coverage and applicable service fees
- $1,500 – Malpractice Insurance Coverage and applicable service fees
This fee:
- Is assessed annually
- Is mandatory for as long as the student is enrolled in clinical rotations
- Covers the full 12-month period, including all scheduled breaks, unscheduled gaps, leave periods occurring during rotations, and transition time between rotations
- Is not subject to proration, reduction, or refund, except as expressly stated in the transition provision
- Is non-refundable once assessed
Failure to pay may result in:
- Immediate administrative hold
- Suspension or delay of clinical rotations
- Withholding of transcripts, evaluations, or official records
4. Claims Determination and Limitation of Liability
All claims under the Emergency Medical Coverage policy are subject solely to the terms, conditions, limitations, exclusions, and determinations of the applicable insurance carrier, including the IMG insurance provider.
- Approval, denial, and payment of claims are made exclusively at the discretion of the insurance company.
- The University does not guarantee coverage for any specific medical service, treatment, or claim.
- Students are solely responsible for understanding the policy terms and coverage limitations.
Xavier University School of Medicine and Xavier Admissions LLC are not insurers and shall not be liable for:
- Denial of any claim
- Partial payment of any claim
- Coverage exclusions
- Policy limitations
- Deductibles, co-payments, or uncovered medical expenses
- Any action or inaction of the insurance provider
Enrollment in the University-designated plan does not create any liability on the part of Xavier University School of Medicine or Xavier Admissions LLC for medical expenses or insurance determinations.
5. Automatic Enrollment and Termination
Students will be automatically enrolled in required coverage.
Coverage will terminate only upon:
- Official completion of the student’s final required clinical rotation, and
- Confirmation by the University that all academic and rotation requirements have been satisfied.
Withdrawal, leave of absence, scheduling gaps, or delayed rotations do not trigger fee reduction or refund.
6. Current Clinical Students – Transition Provision
For students enrolled in clinical rotations as of March 1, 2026:
- The first year of Emergency Medical Coverage may be prorated solely to align with the existing malpractice insurance cycle.
- Thereafter, the full annual $3,000 fee will apply.
- All other provisions of this policy apply immediately.
7. Pricing Adjustments
All fees, coverage amounts, administrative charges, and associated service fees are subject to change at the discretion of the University.
Students will be notified in advance of any changes to required fees. Continued enrollment in clinical rotations constitutes acceptance of any updated pricing.
8. Institutional Authority
The University reserves the right to:
- Change insurance providers
- Modify required coverage limits
- Adjust administrative and service fees
- Amend this policy to comply with accreditation standards, hospital affiliation requirements, regulatory obligations, or risk management needs
All determinations regarding coverage adequacy, exemptions, billing, compliance, and enforcement are made at the sole discretion of the University.
Last updated: March 2026