Health insurance is a requirement of the University and is a necessity in the United States because of the very high cost of healthcare. When you are registered for classes, you will be automatically charged for the NYU sponsored Comprehensive Insurance Plan.You will remain enrolled in that plan unless you complete the waiver process before the semester deadline.
Students have an option to:
- Waive the NYU-sponsored plan if you maintain other insurance coverage that meets the University’s minimum health insurance criteria described below, or
- Downgrade your coverage to the Basic Plan. (Students may only opt to downgrade coverage when first registering for the academic year.)
University Criteria for Waiving the NYU-sponsored Student Health Insurance Plans
University waiver criteria include:
- The insurance company must be headquartered and operating in the US, with a US claims address and customer service telephone number.
- The insurance coverage must remain in effect from:
Insurance Effective Dates
August 21st through August 20th of the following year
January 9th through
May 14th through
- The plan must provide inpatient hospitalization benefits in the New York City area for medical/surgical, mental health, substance abuse, and alcohol-related illness or injury benefits.
- The plan must provide outpatient benefits in the New York City area (including office visits for medical/surgical, mental health, substance abuse, alcohol-related illness or injury visits, and laboratory and radiology procedures). Coverage for emergency only care does not satisfy the requirement.
- The maximum benefit payable under the insurance plan must be unlimited.
- The insurance plan must include coverage for medical evacuation of at least US$50,000 per year;
- Repatriation of remains of at least US$25,000 per year;
- No waiting period for pre-existing conditions;
- And a deductible not to exceed US$1,500 per year.
The following types of insurance plans will not be acceptable for waiving the NYU plans:
Travel policies with limited benefits and exclusions of coverage important for a college population.
Insurance plans that always require students to pay for treatment out-of-pocket and then be reimbursed.
To avoid being obligated to pay for two health insurance plans, please do not purchase another health insurance plan before it is approved. Your waiver will not be processed until the Student Health Insurance Department confirms that your insurance plan meets the University’s requirements.