Student Health and Insurance at NYU

New York University values the health of its students and is committed to offering all students access to quality healthcare and affordable health insurance plans to help protect against financial hardships that may result from high healthcare expenses.

While most undergraduate and graduate students are in good health and face few serious illnesses while in school, medical and psychological issues can arise at any time, sometimes without warning. There are also certain health concerns that may become apparent for the first time in early adulthood.
The high cost of healthcare in the United States presents a potentially serious financial risk to students. The absence of adequate insurance coverage can result in temporary or permanent interruption of your education; therefore NYU requires that all students registered in degree-granting programs maintain health insurance.

Most students are automatically enrolled in and charged a premium for an NYU sponsored student health insurance plan (NYU sponsored plan) as part of the course registration process. Students who maintain alternate health insurance coverage that meets the University’s minimum health insurance criteria may waive the NYU sponsored student health insurance plan entirely (see Waiving the Student Health Insurance Plans section).

This brochure has been prepared to help you understand the benefits and levels of coverage the NYU sponsored student health insurance plans offer.

Student Health Insurance Plans Overview

Enrolling in the NYU Sponsored Plans

Waiving the Student Health Insurance Plans

If you maintain other health insurance coverage that meets the University’s requirements as outlined below, you may apply to waive the NYU sponsored plan by the appropriate deadline (see Enrollment Deadlines section).

International Students in F-1 or J-1 Status

To avoid being obligated to pay for two health insurance plans, please do not purchase another health insurance plan before your waiver request is approved. Your waiver will not be processed until the Student Health Insurance Department confirms that your insurance plan meets the University’s requirements. 

Join us for International Student Orientation for Student Health Insurance 101!


Supplemental Information

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 health insurance coverage that meets the University’s minimum health insurance criteria described in the Waiving the Student Health Insurance Plan section, or
  • Downgrade your coverage to the Basic Plan. Students may only opt to downgrade coverage when first registering for the academic year.

Information for Parents

Exclusions and Limitations

No coverage is available under the Certificate for the following:

Claim Procedures

Grievances, Utilization Review, and Appeals

Definitions

Contact Information


The Student Health Insurance Plan is underwritten by:
Wellfleet New York Insurance Company
Flushing, NY
As Policy form: NY SHIP COC NYU
2019

For a copy of the Company’s privacy notice you may go to:
www.wellfleetinsurance.com/hipaa/
(Please indicate the school you attend with your written request)
or
Request one from the Health Office at your School

Representations of the Plan must be approved by the Company.
This is not the Certificate. Rather, it is a brief description of the benefits and other provisions of the Certificate. The Certificate is governed by the laws and regulations of the state in which it is issued and is subject to any necessary State approvals. Any provisions of the Certificate, as described in this brochure, that may be in conflict with the laws of the state where the school is located will be administered to conform with the requirements of that state’s laws, including those relating to mandated benefits.