The online enrollment system for incoming 2016 Summer Session students is now open and will close on May 31, 2016. Please go here for more information.

The online enrollment and waiver system for incoming and returning students opens July 1, 2016 and closes August 31, 2016.

Insurance Requirements  forFall 2016 and Spring 2017

On behalf of University of Pennsylvania's Student Health Service, we look forward to your arrival on to campus. As a Penn student, or Penn parent or guardian, we wanted to bring your attention to some of the policies that the University of Pennsylvania has established regarding health insurance coverage. Please review the following items and reach out to our office with any questions.


What is the University's policy regarding health insurance for academic year 2016-2017?                             

All full-time and dissertation-status students, as well as exchange students here for a semester or more, must carry comprehensive health insurance as a condition of student enrollment at the University of Pennsylvania. If you have your own insurance coverage, you may waive enrollment in the Penn Student Insurance Plan (PSIP) if your plan meets the certain minimum criteria.                                                                           

                                                                                                                                                                                     Back To Top

What is the University's Insurance criteria for Academic Year 2016-2017? 

If you are covered under your own health insurance or that of your parents, you may maintain your coverage if it meets the following criteria:

  1. Your insurance plan must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. telephone number.  The company must have a process to remit payments to providers within the U.S.
  2. Your insurance plan must provide coverage for pre-existing conditions, or have been in effect long enough that any waiting period has passed.
  3. Your insurance plan must offer an annual maximum benefit of at least $2,000,000.
  4. Your insurance plan must provide for both in-patient and out-patient mental health care in the Philadelphia area.  A policy that provides only emergency or urgent mental health care services in this area does not meet this requirement. *
  5. Your insurance plan must provide coverage for both in-patient and out-patient medical care in the Philadelphia area, including routine office visits, specialist office visits, diagnostic testing, imaging and physical therapy.   A policy that provides only emergency or urgent medical care in this area does not meet this requirement.*

*If you are insured with an out-of-area managed care plan (i.e. HMO or similar plan), you should be aware that most managed care plans do not cover any care outside of the plan network other than urgent and emergency services. Unless your insurance carrier provides you with a rider for out-of-area coverage in the Philadelphia area, your waiver will not be approved.                                                                                            Back To Top

What is the Clinical Fee?

Student Health Service is located on campus and committed to partnering with you to treat illnesses and injuries, promote wellness, and provide you with health education and information. All full-time status students, as well as exchange students pay a Clinical Fee as part of tuition, which allows full access to our health services. The clinical fee for academic year 2016-2017 is $530. A full list of our services can be found here.      Back To Top

How do I compare my current insurance to the Penn Student Insurance Plan?

Aetna Student Health has created a calculator tool that let's you compare health insurance plans. Click here to compare your plan.         

                                                                                                                                                                                             Back To Top

What do I need to know before I enroll into or waive out of the Penn Student Insurance Plan?

  1. You will need to have a PennKey and password to access the insurance selection system. The PennKey is your link to most of the electronic resources that you will need while here on campus. If you are a first year student, contact your school to find out how to obtain a PennKey (or visit the PennKey web site.)
  2. IMPORTANT: If you receive a message stating that "The information you have provided does not match our database", in most cases this is because we have not yet received your registration information from the University. Please try back in few days. If the problem persists passed the first week of May, please contact us at 215 746 3535 option #3 or email us at
  3. Once you have made and confirmed your selection, any additional changes to your coverage must be processed in person in the Penn Student Insurance Office. You cannot change the date of enrollment. Once you have completed your selection, you will receive a confirmation e-mail. PLEASE SAVE THIS E-MAIL, AS THIS WILL BE YOUR CONFIRMATION THAT YOU HAVE VISITED THE SITE.                                                                                                                                                                                      Back To Top   

How do I enroll into the Penn Student Insurance Plan?

The online enrollment system for academic year 16-17 opens July 1, 2016 and closes August 31, 2016.

In an effort to support the University's Climate Action Plan and to minimize waste, Aetna will no longer automatically mail plastic insurance ID cards. You can print your insurance ID card online here. To order a Permanent ID card call Aetna Customer Service at 800.841.5374.

                                                                                                                                                                                             Back To Top

How do I waive out of the Penn Student Insurance Plan?

The online waiver system for academic year 16-17 opens July 1, 2016 and closes August 31, 2016.

Please obtain a copy of your plan's benefits and review them to ensure your plan meets these criteria. Please note that all waiver requests must be approved by the University. The University audits waiver requests and may contact your insurance company to verify your plan meets the University's insurance criteria. Alternate insurance plans found to not meet these criteria will not be approved.

                                                                                                                                                                                             Back To Top

Tips for International Students

We've made a list of frequently asked questions (FAQs) by International students. Many of your questions will be answered in this document.

In addition to the Penn Student Insurance Plan, international students may be eligible for plans offered by PSI and ISO. While these plans are generally accepted by the University and meet the waiver requirements, they are neither sponsored nor endorsed by the University of Pennsylvania:

  • PSI- Platinum
  • ISO-Share and ISO Care                                                                                                                                                    Back To Top

Tips for ELP Students

Insurance Coverage through ELP

If you receive your health insurance through ELP, you will receive your card in your mail folder in the Student Center. You will also receive a second card in a few weeks that you can use to help pay for prescription medications at the pharmacy.

Registering your ELP insurance policy

Register your ELP insurance policy when you receive your card:

This is very important because you must do this in order to use your insurance card.You can also find information on this website about what services are covered by your insurance and how to request reimbursement (the company may pay you back for some services):

When should I seek SHS care versus an ER visit at a nearyby hospital?

A Penn Student Health provider is on-call 24/7 (24 hours a day, 7 days a week) to aid students in deciding if and where they should go to have their medical needs addressed. If it is a true medical emergency, students should call 5-1-1- from a campus phone (9-1-1 if off campus) or head to the nearest emergency department, preferably one in the Penn Medicine network (Hospital of the University of Pennsylvania at 34th and Spruce, or Presbyterian at 38th and Market). 

What are the immunization requirements?

Information about the University's immunization requirements can be found here:

Back To Top

Soon to be or Recent Graduates

As you begin to wrap up your life at Penn, there are two items related to your health you should think about.

  1. Health Insurance. If you're on the Penn Student Insurance Plan, please visit our May Grads website. If you're still on your parents' plan, now is a great time to start learning about your options. Learn more about the Affordable Care Act and view this letter from the Pennsylvania Insurance Department.
  2. Health Records. Whatever your next step, request a copy of your medical records from SHS. Your next academic institution, job, or primary care physician will likely want or need to seem.                                                                                        Back To Top

Other important information

Questions? Please feel free to contact us at:


Phone: 215 746 3535, menu option#3

Visit us: 3535 Market Street, Suite 100

Back To Top