Health Insurance Kaiser, Student Health Insurance | HPU

Student Health Insurance

While studying at Hawai‘i Pacific University (HPU), students need to protect their health and financial stability by having adequate health coverage to address minor and major illnesses that may arise, and to avoid unexpected interruption of their education by high medical expenses. We strongly urge all HPU students to have medical insurance. 

 

STUDENTS WHO ARE REQUIRED TO SHOW PROOF OF INSURANCE INCLUDE:


INTERNATIONAL STUDENTS

International students are required to have health insurance as a condition of enrollment at the University. If a student has coverage, they need to provide adequate proof by completing the International Student Health Insurance Waiver . The waiver verifies that students have health insurance and comparable coverage through another insurance plan.

F-1 students: Please do not send your actual policy coverage, as we will not be able to accept it in place of the International Student Health Insurance Waiver form. 

For assistance in filling out the form, please refer to the health insurance waiver form example. 

WAIVERS MUST BE SUBMITTED TO THE OFFICE OF INTERNATIONAL STUDENTS AND SCHOLARS (Student services center, 500 Ala Moana Blvd, STE. 5A OR   ISS@HPU.EDU) BY EACH SEMESTER DEADLINE  TO RECEIVE CLEARANCE FOR THE HEALTH INSURANCE REQUIREMENT AND AVOID THE MEDICAL INSURANCE VERIFICATION FEE. 

 

DEADLINE: required at least  two-weeks before the semester start date. 


Students who submit a waiver for the fall semester will automatically waive insurance for the spring semester (and summer term if taking classes) as long as the waiver shows coverage during those enrolled terms. For more information about HPU’s student health insurance waiver, please call the staff at the Office of International Students and Scholars at (808) 356-5299.

If you wish to obtain a waiver, your medical insurance must meet the following requirements: 

  • Valid coverage dates for the entire term.
  • Coverage for outpatient care, hospitalization, emergency room, accidents, medical and surgery in Hawaii.
  • Comprehensive medical coverage of at least $100,000 USD coverage per accident or illness.
  • At least $25,000 USD coverage for repatriation.
  • At least $50,000 USD to cover expenses associated with the medical evacuation to one's home country.
  • A deductible not to exceed $500 USD per accident or illness.
  • At least 75% coverage for each accident or illness.
  • The health insurance plan includes behavioral health coverage.
  • The health insurance plan is backed up by a provider that meets a set rating.


NURSING STUDENTS
The School of Nursing requires undergraduate and graduate students accepted into the Nursing Program to show proof of health insurance coverage for the duration of their enrollment. For details, visit the Nursing Health Requirements page.

 

DOCTOR OF PHYSICAL THERAPY STUDENTS

The DPT Programs require students accepted into the Program to show proof of health insurance coverage for the duration of their enrollment. For details, visit the DPT Admissions page.

 

DOCTOR OF OCCUPATIONAL THERAPY STUDENTS

The OTD Programs require students accepted into the Program to show proof of health insurance coverage for the duration of their enrollment. For details, visit the OTD Admissions page.


University housing RESIDENTS (Hawaii Loa, WAterfront lofts, Park shore waikiki)
Residents are required to provide proof of personal medical health insurance throughout the duration of their housing contract. A resident’s health insurance must be valid in Hawai‘i. For details, please contact the staff directly at (808) 544-1436 or housing@hpu.edu.


STUDENT ATHLETES
HPU student athletes are required to have health insurance that covers athletic injuries while in Hawai‘i and provides a minimum coverage of $90,000 USD per accident or illness. The Athletics department will not accept insurance plans that exclude athletic injury coverage and lacks out of network coverage. For details, contact the Head Athletic Trainer at (808) 544-9360.

Medical Plan Options

TAKE SOME TIME TO RESEARCH VARIOUS PLANS AND COMPARE BENEFITS. IT IS IMPORTANT TO PURCHASE A PLAN THAT MEETS YOUR HEALTH NEEDS AND IF APPLICABLE, HPU'S COVERAGE REQUIREMENTS (AS DETERMINED BY YOUR STUDENT STATUS NOTED ABOVE). BEFORE YOU START, UNDERSTAND YOUR HEALTH INSURANCE POLICY TERMINOLOGY:

  • Premium = the amount you pay to purchase your insurance coverage
  • Deductible = the amount you must pay before the insurance company starts to pay for your medical expenses
  • Copayment/coinsurance = the amount/percentage that you must pay for services

 

International Students

International students may consider several options from the sample list of potential coverage providers below. The University does not recommend nor endorse any particular coverage provider. Students should also research for coverage providers on their own via the internet. 

Select the appropriate provider and plan that best fits your needs. Read the benefit plan for coverage details and verify it meets HPU's minimum coverage requirements. Note that if you have pre-existing conditions, they are covered after 6 months. In addition, these plans do not cover sports related injuries. 

Sample list of coverage providers/options:

Federal Marketplace for Health Plan Information and Assistance

The health insurance marketplace provides information about available health insurance plans in the United States. To be eligible to enroll in health coverage through the Marketplace, you must live in the United States; must be a U.S. citizen or national (or be lawfully present); and cannot be incarcerated. To see if you are eligible and what is available in Hawaii, go to https://www.healthcare.gov/ or contact 1-800-318-2596.