Student Insurance

Student Health insurance coverage for sickness, accidents and hospitalization is required of all Emory students. All new and continuing degree-seeking and international Emory University students are required to have health insurance.  Coverage must be continuous from the date of matriculation until the date of graduation and must meet University minimum coverage requirements.

The Emory University Student Health Insurance Plan will once again be offered by Aetna Student Health of Boston, MA. View an overview of the Emory/Aetna Student Health Insurance Policy.

All students are automatically enrolled and charged for the Emory/Aetna Student Health Insurance Plan. The annual premium for the 2018-2019 academic year is $3,466 and is billed in two installments of $1,733 (once in the fall and again in the spring). The charge will appear on students’ tuition statements.

Students who have health insurance coverage through another carrier must complete an online waiver at OPUS confirming they have health insurance coverage that is comparable and meets Emory University waiver criteria. The Health Insurance Waiver site opens every spring (late May) prior to matriculation. After the online waiver has been completed, the charge for the Emory/Aetna Student Health Insurance Policy will reverse on the student’s university account.

Incoming MD students (including MD/PhD students starting in July) must complete the waiver by the August date only, as July starts the fall term for the MD program. Beginning with students’ second year, the waiver process must be completed annually for EACH year they are enrolled at Emory.

Maintaining health insurance coverage is a requirement for continued enrollment. Students are responsible for informing themselves of the current policy.

As a result of national healthcare reform, students may be eligible to remain on a parent’s insurance plan until age 26. Contact your insurance carrier if you have questions about current federal or state law.

More information regarding the mandatory health insurance waiver process can be found here.

Disability Insurance

All students enrolled full-time in the Emory University School of Medicine are provided with group long-term disability insurance coverage. For the 2018-2019 academic year this coverage is provided by The Guardian Insurance Co., Inc. A summary of the plan and an electronic copy of the benefit booklet is distributed to students annually. Additional information concerning the plan is available by calling the plan administrator, Ms. Susan Gelber of InsMed Insurance Agency, Inc., 1-800-214- 7039. Seniors will be given 30 days after graduation to extend the policy if desired. Ms. Gelber, is also available by phone to discuss the options available to graduating seniors.

Liability Insurance

Students are covered by professional medical liability insurance any time they are enrolled in a clinical course for credit, observing or assisting in the provision of care under the supervision of Emory faculty, or under the supervision of faculty at other institutions as part of their Emory educational program.

This would include:

  • activities that are an official component of the curriculum, including required and elective courses
  • clinical activities that students may participate in, at the invitation of faculty, but which are not required as part of that faculty member’s SOM clinical duties
  • volunteer clinical activities supervised by Emory faculty (e.g. volunteer service at the Open Door Clinic)

At all times, students must be under supervision of faculty in performing clinical service, and the performance of such services must be within the scope of the supervisor’s training and certification.

Students who provide medical services outside the scope of the School of Medicine curriculum or with non-Emory faculty physicians are NOT covered by University liability insurance. Students are advised not to engage in such activities unless other liability coverage is provided for them.

Last modified: 8/6/2018