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Waiving Student Health Insurance Coverage

Plan information for the 20-21 acadmic year will be available in July.  Students will be able to submit waivers for the 20-21 academic year by the middle of July.

If you have other coverage that meets the waiver criteria, you may decide to waive your enrollment in SHIP. You can submit a waiver by visiting the Relation Insurance Portal and scrolling down to the “Waive SHIP” option. You’ll need your PAU student ID (you can find that in your PAU portal) in order to log in to the Relation Waiver Portal. Keep in mind that if you have other coverage (e.g. Medi-Cal) and do not waive SHIP, maintaining coverage through PAU's health plan may impact your eligibility for and enrollment status in your existing health plan.

Waiver FAQ


Some Highlights From the Waiver FAQ

  • If you waive out of SHIP in the fall by the October 1st deadline and your waiver is approved, your waiver will be in effect for the entirety of the academic year and no further action is necessary during the current academic year. Incoming students in Winter, Spring, and Summer will be asked to adhere to the waiver deadlines below as applicable to their first quarter at PAU.
  • Waiver Application Deadlines
  • Annual 2019-2020 & Fall: October 1, 2019
  • Winter: January 15, 2020
  • Spring/Summer: April 15, 2020
  • Students who do not submit a waiver application by the deadline date stated above will be automatically enrolled in and charged for SHIP.  Waivers cannot be submitted or considered after the established deadlines.
Waiver Criteria
If you wish to waive SHIP because you have other insurance, benefits under that plan must include all of the following: 
• Coverage must be continuous (no break or termination) for the entire policy year; 
• Maximum benefit must be unlimited; 
• Deductible must be $2,500 or less per policy year; 
• Coinsurance levels must be 80% coverage in-network and 60% coverage out-of-network; 
• Medical Evacuation benefit must be a minimum of $50,000 per policy year (international students only); 
• Repatriation benefit must be a minimum of $25,000 per policy year (international students only); 
• Claims must be paid by a U.S.-based company, and underwriting company must be owned, operated, and headquartered in the U.S. and must be in full compliance with all applicable federal laws.
All waivers are carefully considered, and the insurance information you submit for waiver consideration will be verified by Relation.

Waiver Denial-Appeals

Waiver Denial Appeals can only be considered if you have submitted a waiver request to Relation that was denied.  This is not the first step in submitting a waiver application.  Please see above.

If you submit a waiver to Relation and receive notice that it has been denied, and you believe it has been denied in error, please complete a Waiver Appeal Request Form. Completed forms should be submitted, along with proof of insurance and why you think you meet the waiver criteria, to Thom Shepard, Dean of Students, at tshepard@paloaltou.eduWaiver Appeal Request Forms should only be completed if you have submitted a waiver request to Relation and it has been denied.
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