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. If you have any questions going through the online application, please call Mary-Jean Shiroma at 808-564-2579 or Evan Patek at 808-564-2557.

 

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 (UB BUILDING, STE. 200 OR ISS@HPU.EDU) BY THE FOLLOWING DEADLINES TO RECEIVE CLEARANCE FOR THE HEALTH INSURANCE REQUIREMENT AND MEDICAL INSURANCE VERIFICATION FEE:


FOR THE HEALTH INSURANCE REQUIREMENT AND MEDICAL INSURANCE VERIFICATION FEE:

ACADEMIC YEAR 2017-2018:

-September 8, 2017 (Fall 2017)
-January 26, 2018 (Spring 2018)
-May 25, 2018 (Summer 2018) 

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 Nursing and Society require health insurance coverage for all nursing students in nursing course levels one through five and all nursing courses for MSN students.  Each student will be required to provide proof of insurance coverage by health requirement deadline. Contact the college for details at (808) 236-3552.


HAWAII LOA CAMPUS AND WATERFRONT LOFTS RESIDENTS
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) 236-3540.


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. Both plans (Basic and Enhanced) meet HPU's International Student Health Insurance Waiver minimum coverage requirements. Read the benefit plan for coverage details. 

Note that if you have pre-existing conditions, it is covered after 6 months. In addition, these plans do not cover sports related injuries. If you require more benefits to address your health needs, consider one of the Kaiser Permanente Individual and Family plans in combination with the ISO student health insurance plan. Keep in mind that the Kaiser plans do not include medical evacuation or repatriation benefits. Please note that KPIF plans do not include medical evacuation or repatriation benefits.  As a reminder, international students are required to have this coverage; therefore, you must purchase ISO student plan or another plan to meet your minimum coverage requirement.

 

KAISER PERMANENTE INDIVIDUAL AND FAMILY (KPIF) PLANS

The new KPIF plans have enhanced benefit features, and all include prescription drug coverage and gym memberships at participating fitness facilities for $75 per year. KPIF plan premiums are affordable and premiums are billed monthly, rather than by semester. Details about plans are available below; you may shop for coverage that fits your budget and meets your needs. The KPIF plans are HMO plans that make it easy for HPU students to get their medical services. The Kaiser Plan is an HMO plan that makes it easy for HPU students to get their medical services at convenient Kaiser locations statewide--11 locations on Oahu, six on Maui, and four on the Big Island of Hawaii. Students can choose or change their Primary Care Physician (PCP) at any time and are welcome to make same-day appointments at any Kaiser Clinic. The Honolulu Clinic (1010 Pensacola Street) is conveniently located within 15 minutes of the HPU downtown campus. 

 

Kaiser Permanente Enrollment Guide         Standard Student Plan

How to Enroll

1. CHOOSE A PLAN

Two popular plans for students are KP Bronze Be Fit with a $50 office copayment or KP Gold III Be Fit with a $20 office copayment.  Click here to learn more about these plans.  Or, call 808-564-2557 to learn about even more options.

 

2. COMPLETE YOUR APPLICATION
To purchase coverage and complete an application online through the Sign Me Up (SMU) tool, CLICK HERE.

Please make sure you’ve completed everywhere indicated on the application. If you need a temporary Hawaii address, you may use the following address until September 8, 2017 (for incoming new students in fall 2017): 

Hawaii Pacific University
Attn: Student Life
1 Aloha Tower Drive, Ste. 1400
Honolulu, HI 96813

Students are responsible for updating their address once they a Hawaii address. If your application is missing any information, signatures, documentation, or payment, this may delay your effective date or cancel your application.  If you have any questions going through the online application, please call Mary-Jean Shiroma at 808-564-2579 or Evan Patek at 808-564-2557.

 

3. SELECT YOUR PAYMENT METHOD

Payment for your first month’s coverage by check, money order, debit card, or credit card is REQUIRED with your application. 

 

4. SUBMIT THE APPLICATION WITH PAYMENT AND ALL NECESSARY DOCUMENTATION.

PAYING YOUR PREMIUM

Kaiser Permanente Individual and Family plan members pay monthly premiums. You may use our optional

auto-pay service to pay your monthly premium and once you are enrolled, you may pay in advance for multiple months of coverage.