Student Health Insurance
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SIUC requires all students who are taking on-campus courses to have health insurance. To meet this mandate, all students taking on-campus courses will be billed the student health insurance fee. Students who already have health insurance coverage may apply to waive the fee by completing the waiver process prior to the posted deadlines. Step-by-step instructions for completing the waiver application can be found in the FAQs below. All students taking on-campus courses who do not complete the waiver process by the posted deadline will be automatically enrolled in the SIU Student Health Insurance Plan and will not be eligible for a refund.
Important Update on Student Health Insurance Enrollment and Waiver Process:Beginning Fall 2025, there will be a new process for all students wishing to enroll in or waive the university-sponsored health insurance plan. This new system will no longer be managed by Gallagher Student Health. Instead, students will work directly with the insurance carrier, UnitedHealthcare Student Resources, to complete their insurance selections.
Student Health Insurance Waiver Processing UpdateThank you for submitting your student health insurance waiver application. Please note that it typically takes 7–10 business days for the waiver to be fully processed from the time it is approved to when the credit appears on the student's Bursar account. Thank you for your patience as we work to ensure everything is processed accurately. |
Students who are registered for ONLY web based-distance education courses are not eligible for the Student Health Insurance Plan and are not charged the insurance fee.
If it is your intent to enroll in the student health insurance plan, it is strongly recommended that you enroll yourself as soon as possible. Doing so assures you have access to off-campus benefits on the effective date of the policy. Automatic enrollment does NOT occur until after the posted waiver deadline.
The Student Health Insurance Plan provides health insurance coverage that complements the Student Health Center, covering expenses such as pharmaceuticals, immunizations, and off-campus services such as emergency rooms, hospitalizations, surgery, ambulance, and specialty care.
Student Health Insurance Referral Requirement (PDF)
Frequently Asked Questions
- 1. Who is eligible for the plan?
- 2. How do I waive the fee and get a refund?
- 3. How do I enroll myself?
- 4. How do I print out my Insurance ID Card?
- 5. How do I enroll dependents?
- 6. If I waive out of the insurance can I re-enroll?
- 7. Do I need Health Insurance to access the Student Health Center?
- 8. Is the Student Health Insurance Plan primary or secondary coverage?
- 9. Do I have to apply for an insurance waiver every semester?
When to contact
United Healthcare:
When to contact
Student Health Services: