Student Health Insurance Plan

The University requires that each full-time undergraduate day student maintain insurance coverage.  A charge for the accident/limited illness insurance is applied to all full-time undergraduate day student accounts.  The coverage provided through the University sponsored plan will protect the student 24 hours a day and is in effect for August 1, 2019 through June 1, 2020.  A brochure explaining benefits and exclusions may be downloaded below.

Students who already maintain medical insurance coverage may waive the insurance charge by clicking on the "Insurance Waiver" button at the bottom of the Online Bill.  The waiver must be completed at the  beginning of your first semester, each academic year.  The program is subject to change.

Refund Provision

Premium refunds are only permitted if we discover the student has not met eligibility requirements or when the student enters full-time active military service in which case a pro-rate refund will be made upon request.

Terms of Coverage

The coverage becomes effective at 12:01 am on August 1, 2019, or the date of enrollment, whichever is later, and expires at 12:01 am on June 1, 2020.  For students whose first semester is the Spring Term, the effective date is January 1, 2020 and will expire June 1, 2020.  Coverage remains in effect during holiday and vacation periods. Should a student graduate or withdraw from the institution, the insurance shall remain in effect until the end of the period for which premium has been paid.

Waiver Deadline

If you have proof of existing insurance and wish to waive coverage, the deadline to waive out of this plan is August 27, 2019.  All waiver forms must be submitted electronically via the Online Bill or returned to the Student Accounts Office in the Dover Campus Center.   For students beginning their studies in the Spring, the deadline is January 14, 2020.


Annual Enrollment (8/1/19 - 6/1/20) . . . . . . . . . . $559
Spring Term Enrollment (1/1/20 - 6/1/20) . . . . . . $374


Accident means a sudden, unforeseeable, external event which results in an Injury.

Covered Charge means the Reasonable and Customary Charge incurred for a service or supply which is performed or given under the direction of a Doctor for the Medically Necessary treatment of a Sickness or Injury. A Covered Charge is considered incurred on the date the treatment or service is rendered or the supply is furnished.

Doctor means a duly licensed doctor, optometrist, podiatrist, dentist, chiropractor, psychologist, pharmacist, or doctorʼs assistant, a duly certified clinical social worker, substance abuse professional or fee-based practicing pastoral counselor, and an advanced practice registered nurse practicing within the scope of his or her license and is not a family member.

Hospital means means an institution licensed, accredited or certified by the State which (a) is accredited by the Joint Commission on Accreditation of Healthcare Organizations; (b) provides 24-hour nursing service by licensed registered nurses (R.N.); (c) mainly provides diagnostic and therapeutic care under the supervision of Doctors while Hospital confined; and (d) maintains permanent surgical facilities or has an arrangement with another surgical facility supervised by a staff of one or more Doctors. Hospital also includes tax-supported institutions, which are not required to maintain surgical facilities. Hospital does not include a place, special ward, floor or other accommodation used for: custodial or educational care; rest; the aged; a nursing home; or an institution mainly rendering treatment or services for mental or nervous disorders or substance abuse.

Injury means bodily injury due to an Accident which results solely, directly and independently of disease, bodily infirmity or other causes. All injuries sustained in any one Accident, including all related conditions and recurrent symptoms of these injuries, are considered a single Injury. Insured means an eligible student.

Insured means an eligible student.

Medically Necessary means medical services, supplies or treatment authorized by a Doctor to treat an Insuredʼs bodily Injury or Sickness which are (a) consistent with the symptoms or diagnosis; (b) appropriate and accepted according to good medical practice standards; (c) not primarily for the convenience of the Insured, Doctor or other providers; and (d) consistent with the most appropriate supply or level of services which can safely be provided to the patient.

Pre-existing Condition means a Sickness or Injury for which medical care, treatment, diagnosis or advice was received or recommended within the 12 months prior to the Covered Personʼs effective date of coverage under the Policy or a pregnancy existing on the Insuredʼs effective date of coverage under the Policy.

Reasonable and Customary Expense means a Covered Charge which (a) is charged for treatment, supplies or medical services Medically Necessary to treat the Insuredʼs condition; and (b) does not exceed the usual level of charges made for similar treatment, supplies or medical services in the locality where the Covered Charge is incurred.

Sickness means illness, disease, and complications of pregnancy. All related conditions and recurrent symptoms of the same or a similar condition will be considered the same Sickness.

We, Us or Our means Guarantee Trust Life Insurance Company.

You, Your or Yours means the Insured.

Extension of Benefits

Extension of Benefits means the coverage provided under this Policy ceases on the expiration date. However, if on the expiration date the Insured is under a Doctorʼs care for a condition covered by this Policy, benefits will be extended for the condition for up to nine (9) months after the expiration date. This Extension of Benefits only applies to the Insureds who are not eligible to continue coverage under the new or renewal Policy issued to the Policyholder. The total payments made in respect of the Insured for such condition both before and after the Termination Date will never exceed the Maximum Benefit. After this “Extension of Benefits” provision has been exhausted, all benefits cease to exist, and under no circumstances will further payments be made.

Download Printable Brochure