Important changes to PSIP in response to the COVID-19 outbreak

Please contact the Insurance Office at 215-746-3535 or with any questions.

Note: Summer 2021 Term Penn Student Insurance Plan (PSIP) enrollment will close on May 31, 2021. Please go here for more information.

Insurance Requirements for Fall 2021 and Spring 2022

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 2021-2022?

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 Student Insurance Plan. Please review the information below.

Back To Top

What is the University’s Insurance criteria for Academic Year 2021-2022 for students? 

Students in the Philadelphia area must have insurance that meets the following standards. 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.

If you are a domestic student and you’re residing in the United States but outside the Philadelphia area and learning remotely, you must show proof of adequate insurance coverage.**

For international students residing in the United States but outside the Philadelphia area and learning remotely, you must meet the following requirements:**

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness.

For international students residing outside the United States and learning remotely in the fall, you must show proof of adequate insurance coverage**

In all cases you must submit a waiver request  here

**If you plan at any point to return to the Philadelphia area, your insurance must meet the 5 criteria list above for local students,

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. Access is provided through the Clinical Fee. The clinical fee for academic year 2021-2022 is $324 per semester. A full list of our services can be found here.

Back To Top

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.
  4. You will need to renew your selection every academic year that you are a Penn student.
  5. The Insurance portal will open for incoming spring 2021 term on December 15, 2020 and will close on January 31, 2021.

Back To Top

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

The health insurance enrollment site will open for fall 2021 on July 1, 2021 and close on August 31, 2021.

The 2021-2022  PSIP plan will be effective starting on August 1, 2021 until July 31, 2022.

Enroll in PSIP for 2021-2022

Back To Top

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

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.

It is your responsibility to inform us of any change in your insurance during 2021-2022.

Request a Waiver for PSIP 2021-2022 

Back To Top

Tips for International Students

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:

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 nearby 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

Other important information

Questions? Please feel free to contact us at:


Phone: 215 746 3535

Visit us: 3535 Market Street, Suite 50 Mezzanine.


Back To Top