All students registered for on campus coursework at the University of Denver for one or more hours of graded credit are required to carry health insurance coverage. Therefore, all students are required to participate in the DU SHIP, unless they can provide proof of adequate, alternate health insurance. The waiver is only available after a student registers for the minimum graded credit hours (6 for quarter students, 8 for law students) and may only be processed by the student online.
Not all DU schools and programs automatically enroll students in the SHIP, such as University College, Colorado Women's College and Graduate Tax. Students in these and other non-traditional programs must enroll manually at the DU Health and Counseling Center (HCC) prior to open-enrollment deadlines.
Adequate health insurance coverage
Adequate coverage may vary depending on individual circumstance. The following guidelines are based on minimum requirements of student health insurance plans under healthcare law, American College Health Association Standards for Student Health Insurance Plans, benchmarked subsidized plans available in the health insurance marketplace, and our experience in serving DU students.
Benefits provided by DU's comprehensive Student Health Insurance plan exceed the minimum requirements for student health insurance plans under healthcare law.
- maximum coverage limit of at least $500,000 per illness or injury
- a deductible amount or co-payment that you can afford to pay
- adequate mental health coverage
- cover all the services you may need while you are in Denver, Colorado, anywhere in the US or abroad
- It is the student's responsibility to waive the Student Health Insurance Plan prior to the waiver deadline date when declining the DU SHIP.
To waive the SHIP:
The waiver is only available after a student registers for classes and may only be processed online .
- Sign in to PioneerWeb
- Student tab
- Registration tools
- Accept/Waive Health Insurance and Fee
Be sure to have your alternate coverage information handy, as you will be required to submit your insurance plan details for verification.
- Does your current health insurance plan have a maximum coverage limit of at least $500,000 per illness or injury?
- Does your current health insurance plan have a deductible amount or co-payment that you can afford to pay?
- Does your current health insurance plan have adequate mental health coverage?
- Will your current health insurance plan cover all the services you may need while you are in Denver, Colorado, anywhere in the US or abroad?
- Will your current health insurance plan be effective for the full academic year?
You will also need the following information:
- Insurance policy holder name
- Insurance policy holder ID number
- Insurance policy group number ID
- Effective dates of insurance coverage
- Insurance company name
- Insurance company address
- Insurance company telephone number
A confirmation screen indicates the waiver has been processed. The student will also be sent a confirmation email. It is advisable to keep a record of the transaction by either printing out the confirmation or saving the email.
If you accepted or declined the SHIP or Health and Counseling Fee (HCF) by mistake, contact the Health and Counseling Center at firstname.lastname@example.org before the deadline for open enrollment. When coverage is waived for the entire academic year, instead of for each 6-month coverage period, only an involuntary loss of coverage will permit the student to redact the waiver.
If you have any difficulties, please contact the Bursar's Office at 303-871-4944.