The health insurance enrollment/waiver site will open for the 2019-2020 academic year on July 1, 2019. Health insurance enrollments/waivers must be made by August 31, 2019. 

Insurance Office: 215 746 3535 or email at

Insurance Requirements  for Fall 2019 and Spring 2020

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 2019-2020?

All full-time and dissertation-status students, exchange students here for a semester or more and all students on a J-1 visa, 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

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What is the University's Insurance criteria for Academic Year 2019-2020? 

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.

For international students - All students on a J-1 visa are required to meet additional requirements. Please see International Student and Scholar Services or Tips for International Students for details.

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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. This fee is also charged to students enrolled in PSIP regardless of status. The clinical fee for academic year 2019-2020 is $304 per semester. A full list of our services can be found here.

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

  1. You will need to have a PennKey and password to access the Penn Insurance Portal. 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 you don't have access to this site 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 a week, please contact the student Insurance Office at 215 746 3535 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. You can also visit the Insurance Portal again to view your selection information and the status of your waiver request. If you waived or enrolled in the fall 2018 or spring 2019 and need to make a change, please contact the insurance office at 215 746 3535  or email us at

  4. You will need to renew your selection every academic year that you are a Penn student.

  5. The Insurance portal will open for all students for 19-20 academic year on July 1, 2019 and will close on August 31, 2019

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How do I enroll in the Penn Student Insurance Plan (PSIP)?

The enrollment/waiver site will open for the academic year 19-20 on July 1, 2019 until August 31, 2019.

The 2019-2020 PSIP plan will be effective starting on August 1, 2019 until July 31, 2020.

You can learn more about PSIP here (information will be updated soon)

Enroll in PSIP

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

The enrollment/waiver site will open for the academic year 19-20 on July 1, 2019 until August 31, 2019.

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.

Please note: If you have already made an insurance choice in the 2019-2020 and wish to change it, please contact the Insurance Office at or 215 746 3535.

It is your responsibility to inform us of any change in your insurance during 2019-2020.

Request a Waiver for PSIP 

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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:

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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:

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Other important information

Questions? Please feel free to contact us at:


Phone: 215 746 3535

Visit us: 3535 Market Street, Suite 100

Note: Compliance Office Construction over summer 2019-please see above.

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