All students, regardless of their program of study, are required to maintain personal health insurance. KCU sponsors a Student Health Insurance Plan (SHIP). All students must submit proof of personal health insurance through the University's partner online portal should they wish to request to waive SHIP. Details related to enrolling or waiving SHIP will be communicated annually to students via email and on Canvas.

Every students' health insurance policy should have minimum coverage levels, which include coverages of chronic health issues, acute health issues, emergent care, and catastrophic events. The following are the minimum coverage levels that the student's personal coverage must meet:

• Insurance company must be based and operated in the United States

• Must provide in-network coverage in the state where the student resides while  attending KCU

• Affordable Care Act compliant plan

•  State-specific Medicaid is acceptable if the student is covered in the state where they reside while attending KCU

Policies which only cover catastrophic events are not acceptable. Policies which are provided through health care co-ops are not acceptable.

All international students must purchase their health insurance through the SHIP. Canadian students cannot use their Canadian Health Service policy as acceptable coverage while enrolled at KCU. All students must report any break in coverage or change in health insurance while attending classes on campus.

KCU-COM has partnered with Hartford Life Insurance Company to provide Needle-Stick Insurance coverage for all COM students. The Needle-Stick Insurance policy assists in covering medical expenses incurred by students during KCU-related activities that are not covered by the student's personal medical insurance. Please Note: This policy does not replace your personal medical insurance policy, and you are still required to carry your own personal medical insurance.

As with every insurance policy, exclusions apply. If a needle-stick injury occurs in your first or second year, please contact Student Affairs to inquire if your injury qualifies for this coverage and assistance filing a medical claim. If a needle-stick injury occurs in your third or fourth year, please contact your clerkship coordinator.