The Enrollment & Waiver site for new and returning students opens July 1, 2016 and closes August 31, 2016.

Penn Student Insurance Plan (PSIP)

Offered Through Aetna Student Health and meets Penn's Insurance Requirement

  • For students in most graduate and professional programs, the cost of the health insurance plan is already incorporated into the cost-of-attendance budget used for purposes of financial aid and student loan eligibility. Please check with your program's financial aid office for details.
  • For undergraduates, the Federal Direct Loan Program and Parent Loan Program (PLUS) are available to help meet this expense, as long as the student has completed a FAFSA.  In some cases, depending on the individual student's level of financial need, grant assistance may be available to aided students.  If you have any questions, contact Student Financial Services.

PSIP Plan Coverage Period

The PSIP plan for 2016-2017 begins August 1, 2016 and ends on July 31, 2017. The Clinical Fee and the SHS eligibility periods match this schedule as well.

PSIP Rates

Single student coverage for 16-17:

Effective Dates







Premium Rate




**Note: If you are in a program that is paying for your insurance, please check with your school to make certain they will cover the entire amount.

Supplimental coverage for July 2016

Graduate students starting University programs in July 2016 may enroll in the supplimental 2016 summer plan at a prorated premium. Please contact the SHS Insurance office at 215-746-3535, option 3 or email us for more information and to obtain an application (will be available in June).

The rate and coverage period: July 1, 2016 - July 31, 2016 (premium: $279)

Note: If you are in a program that is paying for your insurance, please check with your school to make certain they will cover this  supplemental coverage.

Dependent Rates

Effective Dates







Premium Rate:*

Spouse/Domestic Partner**
One Child**
2 or more children**

*Dependent premiums are paid directly to Aetna Student Health. They are not posted to student bursar accounts.
**Rates do not include single student base premium.

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.

Enroll in PSIP beginning July 1, 2016

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.

Request a Waiver for PSIP beginning July 1, 2016

Enrollment of Dependents

Penn students utilizing the Penn Student Insurance Plan (PSIP) may enroll their lawful spouse/domestic partner and unmarried dependent children under age 26 who reside with, and are fully supported by, the covered student for the same coverage.

Dependent enrollment is processed online at, click on "Find Your School." All spouses and domestic partners must have a Penn Guest Card at the time of application and enrollment. Students will need to submit a Dependent Enrollment Application with a MasterCard, Visa, Discover or American Express payment. 

  • The enrollment deadline for the fall semester is August 31, 2016.
  • The enrollment deadline date for the spring semester is January 31, 2017.
  • The enrollment deadline date for the summer semester is May 31, 2017.

The Dependent Enrollment Application and premium will not be accepted after the deadline unless there is a qualifying life event.*

*Coverage for late enrollees may be possible only under certain conditions. After the enrollment deadline, only those dependents who have a "Qualifying Life Event" such as

  1. involuntary loss of health insurance
  2. marriage
  3. entry into the US

A certificate of credible coverage stating the date of the involuntary loss of health coverage, marriage certificate or stamped passport along with a signed application must be submitted to Aetna Student Health within 31 days of the qualifying life event.  After the 31 days, the dependent would no longer eligible for enrollment in the current policy year. 

Contact Aetna at (800) 841-5374 with any questions regarding dependent enrollment. Dependent premiums may be paid in full or in monthly installments.

Newborn Infant and Adopted Child Coverage 

A child born to a Covered Person shall be covered for Preventative Care, Accident, Sickness, and congenital defects, for 31 days from the date of birth. At the end of this 31 day period, coverage will cease under the University of Pennsylvania Student Health Insurance Plan. To extend coverage for a newborn past the 31 days, the covered student must:

  1. Enroll the child within 31 days of birth, AND
  2. Pay the additional premium, starting from the date of birth

 Coverage is provided for a child legally placed for adoption with a covered student for 31 days from the moment of placement provided the child lives in the household of the covered student, and is dependent upon the covered student for support. To extend coverage for an adopted child past the 31 days, the covered student must:

  1. Enroll the child within 31 days of placement of such child, AND
  2. Pay any additional premium, if necessary, starting from the date of placement.

 For information or general questions on dependent enrollment, contact Aetna Student Health at, (800) 841-5374.

16-17 PSIP Plan Changes

  • Comprehensive infertility and Assisted Reproductive Technology (ART) coverage.
  • No maximum amount limit on gender confirmation surgery.

Student Dental Plan

For academic year 2016-2017, students may voluntary enroll themselves and their dependents in the Penn Faculty Practice Student Dental Plan. Please go to for details. Open Enrollment begins on July 1, 2016.  

Vital Savings Discount Program:
Aetna offers the Vital Savings Discount Program as an option for students to purchase on a voluntary basis. This is a discount program, not insurance. Please note: Penn Faculty Practice does not accept this discount program. Please contact the insurance Office at 215 746 3535 or email us at for information.

Student Health Insurance Advisory Committee  

The Provost of the University of Pennsylvania sponsors a Student Health Insurance Advisory Committee (SHIAC) with cross-University representation and health insurance expertise. Building on the initial work of SHIAC, the Committee is to continue to advise the Provost and the President on matters pertaining to the provision of health insurance for the students of the University. SHIAC will serve as a forum for discussing issues relevant to the provision of the best possible health insurance plan(s) to meet the needs of the students and the University. SHIAC will review the University's Student Health Insurance Plan and advise on the complex issues and concerns related to the administration of the Plan. SHIAC will set in place an ongoing review mechanism for the performance of the existing Plan. SHIAC will monitor the existing insurance Plan and make recommendations for renewal or change of Plan design. SHIAC will develop a mechanism for soliciting bids from vendors as appropriate. SHIAC will discuss ongoing issues pertaining to health insurance, monitoring the changing marketplace of health insurance provision and managed care, and making recommendations as opportunities are identified.

Other Information