UPenn Health Insurance Waiver Guide – Updated for Spring 2026

This guide explains how the 宾夕法尼亚大学 insurance waiver works, 

how international students can waive UPenn PSIP, 

and how to complete the waiver process successfully for Spring 2026.

Quick Summary

•UPenn automatically enrolls students in PSIP, but waivers are allowed

•International students may use qualifying external insurance instead of UPenn PSIP

•GoGlobalSafe plans meet UPenn waiver requirements and have been approved in prior waiver cycles

•Eligible students may save up to $2,100+, depending on the selected plan

•Spring 2026 UPenn waiver deadline: January 31, 2026

Navigation

1. UPenn Health Insurance Requirement Explained (PSIP for International Students)

2. Can International Students Waive UPenn PSIP? 

3. UPenn Insurance Waiver Deadlines (Spring 2026)

4. Why UPenn Students Choose to Waive PSIP?

5. How to Choose the Right GoGlobalSafe Plan?

6. Simple Steps to Purchase Your GoGlobalSafe Plan

7. UPenn Health Insurance Waiver Guide for UPenn Students

1. UPenn Health Insurance Requirement Explained (PSIP for International Students)

The University of Pennsylvania (UPenn) requires all full-time students, dissertation-status students, and exchange students staying for a semester or more to maintain comprehensive health insurance , as a condition of enrollment.
宾夕法尼亚大学 automatically enrolls eligible students in the Penn Student Insurance Plan (PSIP) each year, with the premium charged directly to the UPenn student account. However, students with alternate health insurance coverage meeting UPenn’s minimum requirements can get a waiver.
For the most accurate and up-to-date UPenn policy details (eligibility, enrollment rules, and official requirements), please refer to UPenn’s official website.

2. Can International Students Waive UPenn PSIP? (Yes, Here’s How It Works)

Yes. UPenn officially allows international students to replace UPenn PSIP with a waiver-compliant external 健康保险 plan.
 
If your plan meets UPenn’s waiver criteria, you can submit an Insurance Waiver during the designated waiver period. Once approved, the UPenn PSIP fee will be removed from your tuition bill.

3. UPenn Insurance Waiver Deadline (Spring 2026)

The waiver deadline for Spring 2026 is January 31, 2026.
If you do not submit your waiver request by this date, you will be automatically enrolled in and charged for Penn Student Insurance Plan (PSIP).

4. Why UPenn Students Choose to Waive PSIP

Many UPenn students—especially international students—choose to waive UPenn PSIP after comparing cost, coverage flexibility, and overall value.

4.1 Penn Student Insurance Plan (PSIP) vs. GoGlobalSafe Plans

•Cost Comparison (Spring 2026)

By choosing a GoGlobalSafe (GGS) plan that meets UPenn waiver requirements, students may save up to $2,100+ for the Spring 2026 semester, depending on the selected plan.

•Coverage & Benefits Comparison

•概括

UPenn PSIP is the default insurance option provided by the university.

GoGlobalSafe plans are waiver-compliant alternatives with lower cost and broader flexibility.

GGS plans include required vaccines and exams, low-cost prescriptions, flexible deductibles, and coverage through the UHC PPO network—no referrals required for in- or out-of-network care. Students may choose the plan that best fits their needs and budget.

GoGlobalSafe plans are specifically designed to meet university waiver requirements while addressing the most common healthcare needs of international students:
 
•Fully compliant with UPenn insurance waiver standards
•Coverage tailored to international student medical needs
•100% coverage at UPenn Student Health Center
•Full reimbursement for required enrollment vaccinations, including HPV and other routine immunizations
•Nationwide PPO networks through UnitedHealthcare (UHC) or Aetna
•Coverage outside the United States (excluding the policyholder’s home country)
•No deductible and no copay at the 学生健康中心
•PPO flexibility: choose doctors freely without referrals
•Free vaccinations, including:
School-required immunizations
Flu shots
HPV vaccines
•Global coverage for travel, providing peace of mind beyond the U.S.
Comprehensive Student Support
•24/7 customer support year-round
•Full-service assistance, including:
·Policy explanation and benefits guidance
·Help scheduling medical appointments
·Support with medical communication
·Claims submission and follow-up
•Dedicated bilingual support for clear, stress-free communication
 
Simple and Efficient Process
•Enroll in just 3 minutes with instant policy issuance and digital insurance ID
•Step-by-step waiver guides, including visuals and videos, to help ensure first-time approval → Many students receive school approval emails within as little as 3 days
•Fully digital claims system to track coverage, deductibles, and claim status anytime

5. How to Choose the Right GoGlobalSafe Plan?

Quick Summary

Find your plan

6. Simple Steps to Purchase Your GoGlobalSafe Plan

Applying for your school’s insurance waiver? The GGS (GoGlobalSafe) plan offers a cost-effective and compliant alternative to many university-sponsored plans. 

This simple, step-by-step guide is designed to walk you through the entire GGS plan purchase process quickly and efficiently, ensuring you have the necessary documentation for your school waiver application.

We’ve broken down the process into five easy steps so you can get covered and submit your waiver before the deadline. Let’s get started!

Go directly to the official GoGlobalSafe insurance website: www.goglobalsafe.com.
 
Once on the site, you need to identify the correct plan that meets your university’s waiver requirements and the coverage period.
 
•Choose Your Plan: Select the specific GGS plan that has been approved for your school’s waiver. (e.g., “Royal 500”).
 
•Specify Coverage Dates: Input the exact start and end dates required by your school’s waiver form.
·Crucial: These dates must align with your school’s academic term for the waiver to be accepted. Double-check your university’s health insurance requirements page for the mandatory dates.
This section ensures the plan is issued correctly to you.
 
•Fill Out the Enrollment Form: Accurately enter all required personal details, including:
·Full Legal Name (must match your passport/school records)
·Date of Birth
·Email Address (used for all future communications and documents)
·School Name (Select your institution from the dropdown menu, if applicable)
 
•Review and Confirm: Before proceeding, review all entered data for typos. Incorrect information can cause delays when submitting your waiver application.
The GGS portal supports various payment methods for your convenience.
 
•Payment Options: Choose your preferred method (Credit/Debit Card, etc.).
 
•Secure Checkout: Enter your payment details on the secure checkout page. The system will confirm the final premium cost before you authorize the transaction.
 
•Final Click: Click the “Buy ” button to finalize the transaction.
Your transaction is complete! The final step is getting the documents you need for your school waiver.
 
•Access Your Account: Immediately log in to your GGS Account Center using the credentials you created during the purchase process.
 
•Email Delivery: Your official Proof of Coverage/Insurance ID Card (often a PDF document) will be sent instantly to the email address you provided in Step 3.
 
•Action for Waiver:
Download Certificate of Coverage / Insurance ID Card (PDF): This is the document your school requires to prove you have compliant insurance.
·Waiver Guide: This helpful document provides specific instructions tailored to GGS plans for submitting your waiver to your university.
·File Name Tip: Rename the downloaded file to something clear (e.g., GGS_Policy_YourName_insusrance card.pdf) to avoid confusion.

7. UPenn Health Insurance Waiver Guide for UPenn Students

For full, up-to-date instructions, please log in to your GGS Account Center to download your Proof of Coverage and access the UPenn Health Insurance Waiver Guide.

常见问题解答

Waive = Use your own qualified insurance instead of the school health plan (SHIP).
In health insurance, “waive” means choosing not to enroll in the SHIP when you already have another alternative plan that meets the school waiver requirements. If your waiver is approved, you keep your own insurance and are not charged for the school plan.
To be approved for an UPenn insurance waiver, your alternative health insurance plan must meet all of the following requirements:
•Plans must be issued by a company licensed to do business in the U.S.
•Provides coverage for pre-existing conditions.
•The plan must offer an annual maximum benefit of at least $2,000,000.
•Provides for inpatient and outpatient medical care in Philadelphia.
•Provides for inpatient and outpatient mental health care in Philadelphia.
•Emergency-only plans are ineligible.
For the most accurate and up-to-date UPenn Waiver Requirements, please refer to UPenn’s official website.
•Network
A 网络 is a group of doctors, hospitals, and other healthcare providers that have agreed to provide medical services at reduced rates for plan members. Receiving care within the network typically results in lower out-of-pocket costs for you.
 
•Annual Maximum
The Annual Maximum is the total amount your insurance plan will pay for covered medical expenses during one policy year.
Once this limit is reached, the insurance company will no longer cover additional costs for that year.
 
•Deductible (In-Network)
The in-network deductible is the amount you must pay out of pocket for covered services before your insurance starts paying, as long as you receive care from providers within the plan’s network.
Example:If your deductible is $500, you pay the first $500 of eligible medical expenses yourself. After that, the insurance plan begins sharing the cost.
 
•Coinsurance (In-Network)
In-network coinsurance is the percentage of medical costs you are responsible for after meeting your deductible, when using in-network providers.
Example:With an 80% coinsurance rate, the insurance pays 80% of the remaining cost, and you pay 20%.
 
•Coinsurance (Out-of-Network)
Out-of-network coinsurance applies when you receive care from providers outside the insurance network.
Out-of-network coverage usually requires you to pay a higher share of the cost.
For example, a 50% coinsurance rate means the insurance covers 50%, and you pay the remaining 50%.
 
•Copayment (Student Health Center – SHC)
A copayment (copay) is a fixed fee you pay at the time of service. In this context, it refers specifically to visits at the Student Health Center (SHC).
If the copay is listed as $0, no payment is required for SHC visits.
 
•Deductible at the Student Health Center (SHC)
The SHC deductible is the amount you must pay before insurance coverage applies to services received at the Student Health Center.
GoGlobalSafe plans eliminate the SHC deductible, setting it at $0. This means you can receive care at the campus health center without worrying about meeting a deductible first.
 
•Out-of-Pocket Maximum (In-Network)
Thein-network out-of-pocket maximum is the most you will pay in a policy year for covered medical services.
Once you reach this limit through deductibles, copays, and coinsurance, the insurance plan covers 100% of all eligible in-network expenses for the remainder of the year.
Our plan is suitable for international students who:
•拥有有效的 F1 和 I-20。
•拥有副学士、学士、硕士、博士学位或正规大学 ESL 课程，且年满 17 岁。
•are currently registered with no less than 6 credit hours* are eligible and qualifed to enroll.
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John Doe
约翰·多伊
出色的客户服务
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我对我的承保范围有疑问，并联系了 GoGlobalSafe 的客户服务团队。他们非常乐于助人，反应迅速，我的问题能够快速轻松地得到解答。显然，GoGlobalSafe 真正关心他们的客户及其福祉。
Benjamin Lee
本杰明·李
经济实惠且可靠的覆盖范围
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在为我的留学经历选择保险提供商之前，我做了很多研究，我很高兴选择了 GoGlobalSafe。所提供的保险不仅价格实惠，而且可靠且全面。我从来不用担心保险不足或没有我需要的保险。
Sofia Rodriguez
索菲亚·罗德里格斯
强烈推荐！
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总的来说，我对 GoGlobalSafe 的体验非常棒。从注册的便利性到覆盖的质量，一切都是一流的。我强烈向所有寻求可靠、实惠且全面的保险的国际学生推荐 GoGlobalSafe。
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