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. 

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 THE FOLLOWING DEADLINES TO RECEIVE CLEARANCE FOR THE HEALTH INSURANCE REQUIREMENT AND MEDICAL INSURANCE VERIFICATION FEE:

 Deadlines for ACADEMIC YEAR 2020 - 2021:

  • Fall 2020: September 4, 2020
  • Spring 2021: January 22, 2021
  • Summer 2021: June 11, 2021

Deadlines for Academic Year 2021 - 2022:

  • Fall 2021: September 3, 2021
  • Spring 2022: January 21, 2022
  • Summer 2022: June 10, 2022 

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 College of Health and Society 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. 


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 the ISO plans as their choice health insurance while at HPU. Select the appropriate plan that best fits your needs on the ISO website. Read the benefit plan for coverage details and verify it meets HPU's minimum coverage requirements. Note that if you have pre-existing conditions, it is covered after 6 months. In addition, these plans do not cover sports related injuries. 

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.