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

****Information regarding the 18-19 PSIP will be coming soon****

Supplemental coverage for July 2018

Graduate students starting University programs in July 2018 may enroll in the 2018 summer plan at a prorated premium for the month of July. Please contact the SHS Insurance office at 215-746-3535, option 3 or email us for more information and to obtain an application.

The rate and coverage period: July 1, 2018 - July 31, 2018 (premium: $284)

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.

PSIP Details

Questions regarding PSIP can be answered by SHS' Insurance Department. They can be reached at 215 746 3535 option #3. For specific claims questions regarding PSIP, please contact Deborah Olson from Aetna Student Health at or by calling 215 746 0808. She is available to meet with students in Student Health as well. For those enrolled, you can print your insurance card by going to the Aetna Student Health website.

****Information regarding the 18-19 PSIP will be coming soon****

PSIP Plan Coverage Period

The PSIP plan for academic year 2017-2018 begins August 1, 2017 and ends on July 31, 2018.

The PSIP plan for incoming spring 2018 students  begins January 1, 2018 and ends on July 31, 2018.

The Clinical Fee and the SHS eligibility periods match these schedules as well.

PSIP Rates

Single student coverage for 17-18:

Effective Dates







Premium Rate




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.

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 All spouses and domestic partners must have a Penn Guest Card to determine dependent status. Students will need to submit a Dependent Enrollment Application with a MasterCard, Visa, Discover or American Express payment. Please enter the student ID and date of birth when completing the enrollment application.

  • The enrollment deadline for the fall semester is August 31, 2017.
  • The enrollment deadline date for the spring semester is January 31, 2018.
  • The enrollment deadline date for the summer semester is May 31, 2018.

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.

Student Dental Plan

For academic year 2017-2018, students may voluntary enroll themselves and their dependents in the Penn Faculty Practice Student Dental Plan. Please go to for details. 

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. SHIAC meets regularly throughout the academic year to discuss to. review, evaluate and negotiate the renewal of the Penn Student Health Insurance Plan (PSIP).

Other Information