University of Connecticut Health Insurance Waiver Guide 2025

Introduction

The University of Connecticut (UConn) automatically enrolls all students into its University-sponsored health insurance plan, known as the UConn Student Health Insurance Plan (UConn SHIP). This coverage is intended to ensure that every student has access to essential medical services while studying, regardless of their circumstances. The cost of UConn SHIP is billed directly to the student’s tuition account each semester. While UConn SHIP is a comprehensive plan designed to meet the diverse healthcare needs of the student population, it may be more expensive than other available options. For this reason, UConn allows students who already have an alternative qualifying health insurance policy, such as coverage from a parent, spouse, employer, or an approved private provider like Student Cover, to apply for a health insurance waiver. This waiver, if approved, removes the UConn SHIP charge from the student’s account, enabling them to continue using their plan.

What is an Insurance Fee Waiver?

An insurance fee waiver is a formal process through which a student requests an exemption from paying for and being enrolled in the university’s default health insurance plan. This process involves proving that the student already has a health insurance plan that meets or exceeds the university’s minimum coverage requirements.

If a student fails to submit a waiver application before the posted deadline, UConn SHIP enrollment becomes automatic and non-refundable for that term.

Why are Alternative Health Insurance Plans More Affordable?

Although UConn SHIP  offers strong coverage, its premium rates may be higher than certain alternative plans available on the market. There are several reasons for this:

• Different Risk Pooling: UConn SHIP covers a wide population with varying health risks, while private plans, especially those designed for young, healthy students, may have lower average claims costs.
• Flexible Coverage Options: Private plans such as those from Student Cover allow students to choose from different deductible levels, coinsurance rates, and optional add-ons, tailoring the cost to their needs.
• Targeted Student Products: Some insurers specialize in student health coverage, offering streamlined benefits that meet university waiver criteria without excess, unnecessary coverage.
• Global & Domestic Plans: International student insurance providers often offer competitive global coverage at reduced rates.
• Network Structures: Certain insurers use more cost-efficient provider networks, reducing expenses without compromising quality.

However, lower cost does not always mean better value; students must ensure the alternative plan fully satisfies UConn’s requirements before purchasing.

How to Purchase Student Cover Health Insurance

• Visit: www.studentcover.in
• Under the insurance tab, click on student health insurance 
• Enter your university
• Start the enrollment process
• Create your account using your WhatsApp number to receive the OTP
• Fill in the required information
• Upload your documents 
• Submit, and you will be directed to the payment link
• Make a payment, and a policy will be provided to your email

Comparative Cost Analysis

Understanding the difference in cost and benefits between UConn SHIP and alternative plans is essential. Below is an example comparison for illustration:

Note: It is best to check the policy wording or the plan brochures for all the above figures, as they may change according to the student’s age, semester, and the plans offered. For more accurate information, visit the university website mentioned below in the FAQs

How to Apply for the University of Connecticut Health Insurance Waiver (UConn SHIP)

To successfully waive UConn SHIP, students must:

Step 01 – Log In to the Waiver System

• Visit the UConn Student Administration System: https://studentadmin.uconn.edu/
• Log in with your NetID credentials.
• Go to Bursar Services → Waivers – Health Waivers.

Step 02 – Complete and Submit the Waiver Form

• Fill out the waiver form with your personal and insurance details.
• Submit the waiver form online.
• Then log in to: https://myhealth.uconn.edu.
• Navigate to Insurance Card – Medical Services.
• Upload the front and back of your valid insurance card and click Save.

Step 03 – Confirmation

• Your waiver request will be reviewed within 5–7 business days.
• Once approved, the pending insurance charge will be removed from your student account.
• If you have already paid the premium, it will be refunded to your student account.

University Waiver Deadlines

Annual - September 15, 2025

Spring - February 5, 2026

Note: For more accurate information, visit the university website mentioned below in the FAQs

How Student Cover Helps

Student Cover is a popular choice among UConn students because:

• It offers pre-approved plans to meet UConn waiver standards.
• Plans are affordable compared to UConn SHIP.
• They provide support during the waiver application process.

• Their plans often include nationwide provider networks and 24/7 telehealth services.

Contact Us

The Student Cover team provides full support:

• Email:  info@studentcover.in

• Phone/WhatsApp: +91-9650166773

FAQs

Q1. Is UConn SHIP mandatory for all students?

It is mandatory unless you submit and receive approval for a waiver.

Q2. What if my insurance plan is from outside the U.S.?

It may qualify if it meets UConn’s waiver criteria, but some foreign plans lack U.S. network coverage, leading to denial.

Q3. Can I reapply if my waiver is denied?

Yes, if it is still within the waiver period and you have obtained a compliant plan.

Q4. Will my parents’ employer insurance qualify?

Often yes, provided it includes Connecticut coverage and meets other requirements.

Q5. Do I need to reapply for a waiver every year?

Yes. Waivers must be renewed each academic year.

Q6. Does UConn SHIP cover me while travelling outside the U.S.?

Yes, but coverage is primarily U.S.-based; check for international benefits before travel.

Q7. How soon will my waiver be processed?

Typically, within 5–7 business days after submission.

Q8. Can I waive mid-year?

No. Waivers are accepted only during official enrollment periods.

Q9. Are dental and vision included in UConn SHIP?

Only limited dental and vision benefits are included; comprehensive coverage requires a separate plan.

Q10. What happens if I do nothing?

You will automatically be enrolled in UConn SHIP and charged the premium.

Q11. Where can I find the official  University of Connecticut health insurance waiver information online?

The most accurate and up-to-date waiver requirements, deadlines, and instructions are available on the official  University of Connecticut Student Health Services website. Students should always verify details there before applying.

Disclaimer: We are not comparing or recommending one insurance plan over another. We are merely providing informational options so you can make an informed decision. Plan costs, coverage, and eligibility rules vary by student age, semester, provider, and plan year. To ensure accuracy, always verify the latest information via the official UConn Student Health Services website and your insurance provider’s policy materials before making any decisions.