Additional Navigation

Health Insurance Policy

It is NCAA policy that all full-time students participating in sports provide proof of health insurance coverage. Please check with your present insurance company as to their coverage while your son/daughter is away to college.


Defiance College no longer provides health insurance options for students. Health insurance is strongly recommended due to high health care cost. Students are encouraged to seek health coverage by one of the following:

  1. Health insurance of a parent or legal guardian

  2. Purchase their own health insurance through an outside provider

  3. IMPORTANT: No out-of-state Medicaid is accepted by health care providers in the area, except in the case of a medical emergency regardless of whether or not their Medicaid follows them.


All international students will be required to have and show proof of medical insurance that meets the "minimum essential coverage" requirements of the Affordable Care Act (ACA).  International students will be required to show proof of coverage to the Primary Designated School Official (PDSO) by the 1st  day of the semester. The proof of coverage must meet the guidelines listed above. Students will be required to show proof of coverage throughout the semester as requested by the PDSO. Failure to maintain adequate medical insurance may result in registration holds placed on student accounts.


The Athletic Department of Defiance College coordinates a health insurance policy for athletes participating in intercollegiate athletics. This policy only covers the athlete during specified intercollegiate events. The athletic policy is designed to help offset medical expenses associated with injuries occurring during participation in intercollegiate athletics. Defiance College is not responsible for remaining balances resulting from an athletic injury.

The policy holds a $500 deductible. This deductible follows payment of the primary health insurance FOR EACH CLAIM, and is the responsibility of the athlete. This policy will work as a primary insurance policy if needed; however, the $500 deductible still exists and is the responsibility of the athlete.

In order to assure that bills are being paid by the appropriate parties, the athletic training staff needs to be informed of EVERY injury that occurs during athletic participation.


Kevin M. Tong, M.S.Ed., ATC
Head Athletic Trainer
Assistant Professor of Athletic Training