Hosei University, Tokyo, Japan

Hosei University is one of Japan’s leading private universities, located in the heart of Tokyo, a global city that blends cutting-edge modernity with deep cultural heritage. Founded in 1880, Hosei combines a long academic tradition with an international outlook, welcoming students from around the world. Exchange students benefit from studying at a well-connected urban campus, with access to extensive academic resources, student support, and opportunities to experience life in one of the world’s most exciting and dynamic cities.


Tokyo itself offers endless opportunities for exploration — from museums, temples, and traditional districts to modern cafés, shopping, and nightlife. An exchange at Hosei University offers both academic growth and an immersive experience of Japanese culture, innovation, and city life.


Programmes of study

Exchange students will be required to follow a full programme of study for the academic year based at Hosei University.

  • The Exchange Students from Overseas Program (ESOP) is open to all disciplines and is designed for students particularly interested in Japanese cultural studies.
  • Specific modules of study are available to Business Management, Marketing, Accounting, and Finance students through the Global Business Programme (GBP).
  • Students in International Business, Business Management, Marketing, Economics, Fine Art, Media and Communication, Journalism, Film Studies, Politics and International Relations, English Language and Literature, History, Education Studies, and Psychology can explore the Global Interdisciplinary Studies (GIS) programme.

Please visit the Hosei University website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – Hosei University’s campuses are located in central Tokyo, with the Ichigaya campus in Chiyoda-ku and the Koganei campus in western Tokyo. The city is well-connected by trains and buses, making commuting to campus easy. The nearest international airports are Narita International Airport (NRT) and Haneda Airport (HND). From either airport, students can reach central Tokyo by train or bus.
  • Accommodation – Exchange students are eligible to apply for university managed dormitories. Additional information about housing options and application procedures is available here.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet Japanese entry requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in Japan. It is mandatory for exchange students to purchase National Health Insurance (Kokumin Kenko Hoken) after arrival, according to the Japanese Government Policy for foreigners who will stay over 90 days. Further information about insurance can be found here.

Ball State University, Muncie, Indiana, USA

Ball State University in Muncie, Indiana, is a dynamic university offering a wide range of programs, including business, architecture, the arts, and emerging disciplines. With modern facilities, a diverse faculty, and opportunities for research, creative projects, and community engagement, students gain both academic and practical experience in a supportive environment.


Muncie combines Midwestern charm with cultural and recreational opportunities. Students can explore the nationally recognised Minnetrista Museum and Gardens, attend performances at the Muncie Civic Theatre, or enjoy local parks and dining. With an active campus, strong academic reputation, and close proximity to Indianapolis, an exchange at Ball State provides a rewarding study experience and an authentic insight into life in a welcoming American university community.


Programmes of study

Exchange students will be required to follow a full programme of study for the academic year based at Ball State University.

Please visit the Ball State University website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – Ball State is in Muncie, Indiana, which is in the heart of the Midwest, USA. The campus is 70 miles northeast of Indianapolis, and the closest airport is Indianapolis International Airport (IND). Shuttle service is available from IND to Ball State campus for arrival and departure. Other airports in the region (without shuttle service to campus) include Fort Wayne (FWA), Cincinnati (CVG), Dayton (DAY), and Chicago O’Hare (ORD).
  • Accommodation – You will need to apply to live in housing on-campus as an exchange student. Ball State offers on-campus housing in one of their eleven residence halls. Most rooms are doubles with air-conditioning. Bathrooms are private, semi-private, or community-style. Meal plans are required for students living in residence halls. Visit bsu.edu/housing for additional information.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet US immigration requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in the United States, and students are required to purchase emergency medical insurance while attending BSU.

ISEP – Study on Exchange in the USA

De Montfort University is a member institution of the International Student Exchange Programme (ISEP) – a not for profit organisation that brings together a consortium of universities around the world, to make studying abroad more accessible to students.

Interested in studying abroad in the USA through ISEP?

Join one of our briefing sessions to find out how the programme works. Upcoming sessions:
Wednesday 5 November, 12pm-12:45pm, The Yard 1.05
Thursday 20 November, 12:15pm-12:45pm, The Yard 1.02

Is ISEP right for me?

ISEP provides an alternative route to studying in the USA, alongside DMU’s direct partner universities. While all students are welcome to apply, ISEP may be particularly appealing if:

  • You are especially keen to study in the United States and would like access to a wide range of universities through a single application.
  • You would value the additional support provided by ISEP, including arranged accommodation, meal plans, and visa sponsorship.
  • You are interested in studying at a wide range of US institutions, offering a broad range of locations and courses.

This makes ISEP a good option for students who want reassurance around accommodation and visa processes, and who are motivated to explore study opportunities across the United States.

Where can I study in the US via ISEP?

Being a member of ISEP allows DMU students to study at over 100 universities in the US.
A diverse range of destinations and types of institutions is available, and the full list of exchange destinations can be accessed via the button below.

Finding programmes/modules

To explore what you can study at each institution:

  • Use the ISEP Program Finder (link via the button above) to search by Field of Study.
  • Check the institution’s module directory or course catalogue, focusing on options marked for visiting or exchange students.
  • Contact the ISEP Student Services Officer listed on each university’s page for more detailed advice about modules and course availability.
  • If unsure, seek guidance from your DMU faculty and the DMU Global team to make sure your choices fit with your degree requirements.

What does the application process look like?

Applying for an ISEP placement is a two stage process:

  1. Apply to DMU Global
    • Applications for the 2026–27 academic year open on Monday 27 October 2025 and close on Monday 12 January 2026.
    • Applications are submitted via DMU Global as advised here.
  2. Apply to ISEP
    • If your DMU Global application is successful, you will then submit an application directly to ISEP by Sunday 1 March 2026.
    • At this stage, you can select up to 10 preferred universities, and ISEP will attempt to place you at one of your top four choices.

DMU Global and ISEP will run information sessions to guide you through the process and provide tailored support at each stage.


Fees and support

ISEP operates on a model where you pay DMU housing and meal costs. In return, you are provided with pre-arranged accommodation and a meal plan at your host university, making it broadly comparable to continuing your studies at DMU.

There are a number of fixed fees that will be payable to DMU/ISEP as part of your year abroad. For the 2025-26 academic year, these fees included:

  • ISEP Exchange Application Fee: $100 (approx. £76)
  • ISEP Exchange Placement Fee: $450 (approx. £345)
  • Accommodation: £6,095
  • Meal plan: £2,808

Please note: Fees are subject to change and will be updated for the 2026–27 academic year.


All participants will be eligible to receive financial support from the Turing Scheme, to help make the year abroad more affordable. You can find further details of fees and funding that is available here.


If you have any questions regarding ISEP, please get in touch with us.

California State University, Chico – Chico, California, USA

California State University (CSU), Chico was founded in 1887 and is the second oldest campus in the 23-campus California State University system. The University offers more than 100 undergraduate major and minor options and has almost 18,000 students. Chico is located north of Sacramento and is only a few hours away from Lake Tahoe, San Francisco and the Oregon border. A three-hour drive away from the mountains, the city or the beach.


Programmes of study

Exchange students will be required to follow a full programme of study for the academic year based at CSU, Chico.

Please visit the CSU, Chico website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – The nearest major airport to CSU is Sacramento International Airport. Depending on your arrival time, airport pick up may be available. For more information on getting there, please see the CSU website.
  • Accommodation – You will need to apply to live in housing on-campus as an exchange student. For more information check out CSU website.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet US immigration requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in the United States, and students are required to purchase emergency medical insurance while attending CSU. For more information, please see the CSU Website.

Francis Marion University – Florence, South Carolina, USA

Francis Marion University (FMU) is a public liberal arts university located six miles east of Florence, South Carolina. The campus includes 100 acres of mixed pine-hardwood and bottomland forests accessed by a series of trails, and is located just an hour’s drive from Myrtle Beach and the Grand Strand. Approximately 4,000 students are enrolled at FMU, and they welcome exchange students from 18 partner universities in 13 countries.


Programmes of study


Exchange students will be required to follow a full programme of study for the academic year based at FMU.

Please visit the FMU website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – upon arrival at Florence (South Carolina) Regional Airport, a member of the International Programmes team will meet you and take you to your accommodation.
  • Accommodation – you will need to apply to live in the FMU halls of residence. For more information check out the FMU Housing Office webpage.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that meet US immigration requirements .
  • Insurance – DMU insurance is not sufficient for studying on exchange in the US, and students are required to purchase medical insurance while attending Francis Marion University. FMU requires that all international students have health insurance up to at least $100,000 in medical coverage and coverage for medical evacuation.

ERAM University School – Girona, Spain

Located in the new cultural factory Coma Cros de Salt, ERAM University School is a school attached to the University of Girona.


ERAM more specifically was founded in 1998 by The Joan Bosch Private Foundation, a non-profit organization, with the aim of creating new professional profiles in the field of audiovisual communication and offering a response to new emerging professions. It currently imparts three official degrees, Audiovisuals and Multimedia, Performing Arts and Audiovisual Communication and Media, each with a unique curriculum.


In the city of the four rivers, history and the mixture of modernity and antiquity converge in the old quarter. From the picturesque houses on the Onyar river and crowned by the impressive cathedral with the widest gothic nave in the world, you will walk through its narrow streets and find hidden treasures, like the Jewish quarter (the Call, one of the most important in Europe), the Carolingian wall or the Arab baths, as well as the outstanding works of the Noucentista period and modern art.

Programmes of study

DMU’s exchange agreement with ERAM allows students enrolled on the following programmes to study abroad:

  • Technology, Arts and Culture – Performing Arts and Drama (taught in Spanish – modules here), Photography, and Media Production

An overview of module options can be found below. Further details regarding the study options are available on the ERAM website.


Exchange students will be required to follow a full programme of study for the academic year based at ERAM University School.


Travel & accommodation

  • Travel – the nearest major airport to ERAM is  Girona-Costa Brava airport, located 20 minutes by car from the city. A bus line covers the Airport to Girona city centre departing every half an hour. You can also fly to Barcelona ‘El Prat’ airportThere is a bus service from the airport to Girona that takes 90 minutes. Alternatively, you can also travel by train, changing at Sants station. For more information, please see the University of Girona webpage.
  • Accommodation – Students on exchange at ERAM University School can use accommodation provided by the University of Girona. For more information check out the Girona Housing options that include flats and apartments, rented rooms, University Houses and Halls of Residence.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet Spanish immigration requirements.
  • Insurance – All students are recommended to purchase travel insurance for the duration of their time in Europe to cover personal possessions and healthcare. UK and EU nationals can apply for a UK Global Health Insurance Card (GHIC) which is time-limited to the length of the exchange period.

Seinan Gakuin University – Fukuoka, Japan

Seinan Gakuin University (SGU) is a private humanities-focused university with a long history of international exchange and cooperation. The international exchange program, now managed in the Center for International Education, is one of the oldest such programs in Japan. With a total graduate and undergraduate student population of about 8,500, SGU is consistently ranked as one of the leading privately-funded universities in Western Japan.


Fukuoka city, where Seinan Gakuin is located, is situated on the island of Kyushu, the southwestern most of Japan’s four major islands. It is a city built on commerce, with a population of about 1.6 million, and has developed as the cultural and commercial center of the island. The city enjoys a convenient geographic location with easy access to other Asian nations, only 540 kilometers from Seoul and 870 kilometers from Shanghai, versus 1,100 kilometers to Tokyo.


One of the key attractions of Fukuoka is the way it combines the convenience of the city with a rich natural environment. The public transport network is excellent, with rail, bus and subway services that make it easy to get around in the city. Lush natural surroundings – sea and mountains – are only about 30 minutes away from downtown, and the city is noted nationwide for its delicious foods.


Programmes of study


Exchange students will be required to follow a full programme of study for the academic year based at Seinan Gakuin University.


All students on exchange at SGU study a combination of Japanese language courses and elective modules which are taught in English in relation to Japanese culture, history, tradition, business and society.


The Japanese language courses include Comprehensive Japanese, Writing and Reading which are offered at different levels. Students with no prior knowledge of Japanese language can start at beginners level.

Please visit the SGU website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – the nearest major airport to SGU is Fukuoka Airport, 20 minutes away using the subway.
  • Accommodation – Students can apply to live in the on-campus International Houses which may be shared or private. Off-campus housing is also available. Further information about accommodation types and costs can be found here. While SGU try to accommodate housing preferences, they are not able to guarantee that these will be met.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet Japanese entry requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in Japan. It is mandatory for exchange students at Seinan Gakuin University to purchase Japanese National Health Insurance (NHI), Personal Accident Insurance for Students Pursuing Education and Research (PAS) and Comprehensive Insurance for Students Lives. Further information about insurance can be found here.

Northern Kentucky University – Highland Heights, Kentucky, USA

Northern Kentucky University (NKU) is a growing metropolitan university of more than 14,000 students served by more than 2,000 faculty and staff on a thriving suburban campus of Highland Heights in Kentucky. It is just seven miles southeast of Cincinnati, Ohio and close to Newport, both vibrant cities where you can explore miles of nature trails and attend music, food and cultural festivals all year long.


The Northern Kentucky Norse are the athletic teams of Northern Kentucky University. They participate in the NCAA I which is the highest level of intercollegiate athletics sanctioned by the National Collegiate Athletic Association (NCAA) in the United States.


NKU academic programs are organized into seven colleges including the Haile/US Bank College of Business, Chase College of Law and School of the Arts. They offer over 80 undergraduate majors including Business, Law, Humanities, Media, Theatre, Education and lots more. NKU has a 19:1 student to faculty ratio which means there is a close relationship between staff and students.  The Mayerson Student Philanthropy Project integrates academics with experiential philanthropic work and there are many other Civic Engagement opportunities available to students.       


Programmes of study

Exchange students will be required to follow a full programme of study for the academic year based at Northern Kentucky University.

Please visit the NKU website via the button below to view the programmes and modules available.


DMU student stories

Emily’s year abroad studying in the USA

Emily Haisman is a third-year student at DMU currently studying Psychology. She shared her experience of studying at Northern Kentucky University in the USA. I knew travelling and spending a year on exchange was something I wanted to do and when I was applying to DMU I wanted to make sure that was an option….


Travel & accommodation

  • Travel – the nearest major airport to Northern Kentucky University is CVG – Cincinnati/Northern Kentucky International Airport. Please consult the ‘Getting to NKU’ page for more information about the airport pickup service offered and alternative transport links.
  • Accommodation – exchange students are required to live on campus and are guaranteed a space in on-campus housing. There are various options available, including single, double and quad rooms. Housing rates can be found here along with information about meal plans. 

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet US immigration requirements .
  • Insurance – DMU insurance is not sufficient for studying on exchange in the US, and students are required to purchase health insurance while attending Northern Kentucky University.

Kwansei Gakuin University – Nishinomiya, Japan

Kwansei Gakuin University (KGU) is an independent institution for higher education, offering Bachelor’s, Master’s, and PhD degrees in over 35 different disciplines to a student body of approximately 24,700. Founded in 1889, the university maintains academic standards that rank among the highest of all Japanese universities and colleges. KGU places a large emphasis on producing ‘global citizens’, and in 2014 was selected by the Japanese government as one of 37 out of a total of 800 universities nationwide to receive funding under the Top Global University Project.


Programmes of study


Exchange students will be required to follow a full programme of study for the academic year based at Kwansei Gakuin University.


KGU offers ‘The Contemporary Japan Program’ which is specially designed for incoming exchange students to Kwansei Gakuin University.


Exchange students are offered a choice between two study tracks that will define the main focus of their time at KGU, the “Japanese Language Track” and the “Modern Japan Track”. Exchange students are also able to select elective courses to learn more about “Contemporary Japan” from a variety of aspects such as language, culture, society, economy, and politics.


Please note that eligible DMU students from all Faculties can choose to study at KGU (subject to Programme Leader approval).

Please visit the KGU website via the button below to view the Contemporary Japan Programme.


Travel & accommodation

  • Travel – the nearest major airport to KGU is Kansai International Airport.
  • Accommodation – Students can apply to live in the on-campus dorm which may be shared or private. Availability is not guaranteed for students applying in 22-23. There is also the option to apply for a homestay with a Japanese family. Dorm rooms cost between £270-380 per month (excluding meals and utilities).

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet Japanese entry requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in Canada, and students are required to purchase medical insurance while attending Kwansei Gakuin University.

Memorial University – St. John’s, Canada

At Memorial University more than 18,000 students from over 100 countries come together to discover. From the classics to advanced technology, Memorial offers certificate, diploma, undergraduate, graduate and postgraduate programs across four campuses and online. A global network of more than 90,000 accomplished alumni throughout the world strengthens Memorial University’s capacity and reputation for leadership in research, teaching and public engagement.


Programmes of study


Exchange students will be required to follow a full programme of study for the academic year based at Memorial University.

Please visit the Memorial University website via the button below to view the programmes and modules available.


Travel & accommodation

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet Canadian immigration requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in Canada, and students are required to purchase medical insurance while attending Memorial University.

University of Winnipeg – Manitoba, Canada

The University of Winnipeg (UW) received its charter in 1967 but its roots date back more than 145 years. The university has a student population nearing 10,000 coming from over 94 countries. UW has a strong campus community and is known for its small class sizes with an estimated student-to-professor ratio of 25:1. It has a strong commitment to the environment and Indigenous inclusion.


Winnipeg is the 7th largest city in Canada and the capital city of the province of Manitoba. It has been ranked in the top three best large Canadian cities to live in and listed as one of the World’s Greatest Places of 2021 by Time Magazine. It has also been named one of the best places to visit by National Geographic Travel.


UWinnipeg has open green spaces, a rich array of arts and cultural activities, fitness facilities, and student groups. The campus’s vibrant downtown location allows students to advance their education while being only steps away from exciting nightlife, galleries, museums, global cuisine and shopping, as well as being close to green spaces, bike paths, and walkways.


More than just city life, the area offers the best of the great outdoors. Find yourself relaxing along miles of white sandy shoreline at Grand Beach, rated one of the best beaches in North America, take in scenic landscapes, enjoy wildlife in Canada’s largest urban forest or get moving on the endless biking and hiking trails.

Being the cultural cradle of Canada, there are many festivals that take place throughout the year in Winnipeg, including the Fringe Festival, International Jazz Festival, Festival du Voyageur and more. The US Border is a short 1.5 hour road trip away.


Programmes of study

Exchange students will be required to follow a full programme of study for the academic year based at the University of Winnipeg.

Please visit the UW website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – The nearest major airport to the university is Winnipeg Richardson International Airport (YWG). An Airport Reception Service is available for students arriving between the specified dates prior to the start of the academic year.
  • Accommodation – Exchange students can choose between on campus living residence options. McFeetors Hall offers single and double furnished dorms. Balmoral Houses are renovated neighborhood character homes for student living close to campus. This allows students to have a private room and features shared living areas. Further information including rent prices are available on the university website.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet Canadian immigration requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in Canada, and students are required to purchase medical insurance while attending the University of Winnipeg.

University of Regina – Saskatchewan, Canada

The University of Regina (U of R) is a comprehensive university that can trace its roots back to the creation of Regina College, established in 1911. The College grew in size and significance becoming a campus of the University of Saskatchewan and, ultimately, an independent degree granting university – the University of Regina – in 1974.


Located in the capital of the province, the university known for its experiential learning offer, has approximately 16,500 students with 19% of students being international. The student to faculty ratio is 22:1. The University of Regina is home to 10 faculties and 25 academic departments which have established reputations for excellence and innovative programs leading to bachelor’s, master’s and doctoral degrees.


The University of Regina’s main campus and historic original College Avenue campus, covering 930 acres, provide an attractive study and work environment for both students and faculty. Both the main campus and historic campus are located in Wascana Centre, one of the largest urban parks in North America. Regina is just minutes from Wascana Lake, and it’s surrounded by trails. Admire nature’s beauty while you get some fresh air, exercise, meditate or even study by the shore. The city has a population of over 250,000 and the city is a perfect blend of big city amenities with a small town charm.


Regina is a beautiful oasis on the prairies with more than 350,000 hand-planted trees. The Queen City has many attractions and events that take place all year round for students to take part in. The Royal Canadian Mounted Police is headquartered in Regina. Saskatchewan Science Centre, the Legislative Building, several art galleries, Royal Saskatchewan Museum and many parks and walkways can be found throughout the city. Regina is cold, dry, windy and has a lot of snow in the winter. In the summer Regina boasts hot, dry summers with bright sunshine and little rain. Fall is windy and colorful whereas spring has more rain than any other season in Regina.


Programmes of study

Exchange students will be required to follow a full programme of study for the academic year based at the University of Regina.

Please visit the U of R website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – The University of Regina is located a short distance (2.4 miles, 7.0 km) from the Regina International Airport (YQR). There are regular flights between YQR and Toronto Pearson International Airport which has good links to UK airports.
  • Accommodation – Exchange students can choose between various on-campus housing options. This includes dorms with shared and private washrooms, studios and 2-7 bedroom shared apartments. Where kitchen facilities are unavailable, students are required to purchase a dining plan. While private accommodation is available, students would be responsible for arranging this independently.

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet Canadian immigration requirements.
  • Insurance – DMU insurance is not sufficient for studying on exchange in Canada, and students are required to purchase medical insurance while attending the University of Regina.

University of South Alabama – Mobile, Alabama, USA

University of South Alabama (‘South’, for short) is home to nearly 14,000 students and more than 115 academic programs, South is a dynamic community of leaders and learners who support and challenge one another to be actively engaged citizens who advance the Gulf Coast region and the world. Founded in 1963, South’s vision is to foster an environment that couples engaging learning experiences with high-level research, enabling our faculty and students to be leaders in their disciplines.

The unique and beautiful Gulf Coast region is a catalyst for discovery and innovation, and South’s 1,200-acre campus has been transformed over the past decade with new facilities and resources for teaching, housing and recreation, health sciences, the arts, engineering, computer science and athletics. Jaguar athletes also compete in 17 NCAA Division I sports, including baseball, basketball, cross country, football, golf, soccer, softball, tennis, track and field, and volleyball.

USA is a place where students discover and strengthen their career passions, and form connections that result in lifelong relationships. At South, we look at the world and see things that we have the power to change, affect and shape — together. So that’s exactly what we do, every single day.


Programmes of study

Exchange students will be required to follow a full programme of study for the academic year based at the University of South Alabama.

Please visit the University of South Alabama website via the button below to view the programmes and modules available.


Travel & accommodation

  • Travel – Once you have confirmation of your student visa and booked your flight to Mobile, you may complete this form to request an airport pick up at the Mobile Regional Airport. If you are arriving at other airports other than the Mobile Regional Airport you will need to make your own arrangements to arrive at your dormitory. 
  • Accommodation – All incoming exchange students are highly encouraged to apply for housing in the campus dormitories. For options, click here. Housing is assigned on a first come, first served basis, so we encourage you to do this as soon as you are moved into the second phase of your exchange application. 

Visas & insurance

  • Visas – To take part in this exchange you are responsible for ensuring that you meet US immigration requirements .
  • Insurance – DMU insurance is not sufficient for studying on exchange in the US, and students are required to purchase health insurance while attending University of South Alabama.