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Personal Health Insurance

Students subject to U of I's health insurance requirement may choose to rely on personal health insurance rather than enrolling in the university's Student Health Insurance Program (SHIP).

Personal health insurance plans must meet the minimum requirements or substantial compliance standards to qualify.

Minimum Requirements

  1. Effective on or before the first day of the semester student is enrolling in.
  2. Active and continuous for the entire semester with no break in coverage.
  3. Include coverage for illness and injury (accident only plans do not qualify).
  4. Include coverage for emergency and non-emergency services in the Moscow/Pullman area; OR area of program.
  5. Include coverage for mental health and prescription services.
  6. Cover injury while participating in intramural, club, or NCAA intercollegiate sports programs (if participating).
  7. International students must be covered by a policy provided by their sponsoring government.

Substantial Compliance Standards

  1. Effective on the first day of the calendar month following the first day of the semester.
  2. Effective on or before the first day of the calendar month following an involuntary loss of previous coverage.
  3. Gaps in coverage of no more than seven (7) days.
  4. Access to COBRA coverage for gaps longer than seven (7) days.
  5. Approved appeal through the Student Insurance and Business Office.

Uninsured/Inadequate Insurance Policy

Students who are discovered to be uninsured or have insurance that does not meet the minimum requirements will be enrolled in the U of I's Student Health Insurance Program and a semester charge will be placed on the student's account. The Student Accounts Office coordinates charges and billing for student accounts subject to the University of Idaho financial terms and conditions. Additional information can be found at Student Accounts.

Submitting Personal Health Insurance Information

Personal insurance information must be submitted online before the first day of the semester. Students who submit their information after the first day of the semester must print and submit a Health Insurance Information Form (directions below).

To submit information through VandalWeb:

  1. Log in to VandalWeb using your NetID and password
  2. Click on “Students Menu”
  3. Click on "Student Health Insurance Menu"
  4. Click on “Health Insurance Information Form”
  5. Select term from the drop-down list
  6. Complete form
  7. Submit

NOTE: Government sponsored international students cannot submit the form online. They must submit a completed, signed hard copy of the printable Health Insurance Information Form (below) AND a copy of both sides of their health insurance card to the Student Insurance and Business Office by the deadline. Learn More

Students who register for classes after the semester begins, government sponsored international students, or students who did not submit a Health Insurance Information Form online before the first day of classes (late fees will apply) may print and submit a Health Insurance Information Form.

Download Health Insurance Information Form (PDF)

NOTE: Adobe Acrobat Reader is required to download, open and sign PDF forms (Download Adobe PDF Reader Here). Google Chrome is the preferred browser for PDF downloads. To sign PDFs using a digital signature in Adobe, please follow these steps.

Completed forms may be emailed to health@uidaho.edu from the student's official Vandal email, faxed to 208-885-1002 or placed in the SHIP drop box inside the University Avenue entrance of the Student Health Services building. Please include your full name and Vandal number in your email or fax. View map » 

Students who submitted a Health Insurance Information Form and have a change in policy may update information online after the semester begins.

To update your insurance information:

  1. Log in to VandalWeb using your NetID and password
  2. Click on “Students Menu”
  3. Click on "Student Health Insurance Menu"
  4. Click on “Update Health Insurance Information Form”
  5. Select term from the drop-down list (only available after semester begins)
  6. Complete form
  7. Submit

  • Type or print clearly as information will be forwarded to an outside auditor for verification of compliance so accuracy is important.
  • Confirm all information in the top section of the form. If the answer is no for any of the required benefit the policy does not qualify for a SHIP cancellation.
  • Form must be signed by the student to be added to their insurance records.
  • Customer service number for insurance company must be a U.S. based number that can be contacted to confirm student eligibility and benefits.
  • Insurance policy numbers must be complete, including any letter prefix and/or suffix. Examples: ABC12456789, 778UH992; 54321YZ.
  • Group number field must include something. If your policy does not have a group number you may use Not Applicable, XXX, 000 or insert your individual ID number again.
  • Policy holder information is for the primary person on the policy. If you are a dependent child or spouse the name, date of birth, gender and employer will be for your parent or spouse.
  • Policies such as Medicaid, Medicare, Tricare, Veteran benefits, tribal coverage and government approved religious based programs that do not have standard policy numbers may be submitted using the applicable identification numbers used for verification of enrollment in their systems.
  • The University of Idaho verifies compliant coverage for all students every semester of attendance. If something changes in your policy, let health@uidaho.edu know ASAP. 
  • The student may be contacted for additional information, including a copy of both sides of their insurance card or a document of coverage from the insurer if verification cannot be completed with the information provided.

Questions or requests for additional information can be sent to health@uidaho.edu. Please include your full name and Vandal number in all communications. 

Personal Insurance Verification Process

All personal insurance information will be verified for compliance.

Review the Process

Enroll in SHIP

Students may elect to enroll in the university's student health insurance program rather than use their own insurance.

Learn More

Insurance Requirement Appeals

Students may file an appeal for exemptions or exceptions to the University of Idaho's Student Health Insurance Requirement.

Learn More

Contact Us

Physical Address:
831 Ash Street, Room 129, at the corner of University Ave. and Ash St.

Mailing Address:
875 Perimeter Drive MS 4203
Moscow, ID 83844

Phone: 208-885-2210

Fax: 208-885-1002

Email: health@uidaho.edu

Web: Student Insurance

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