Student Health Insurance

Student Health Insurance Plan

Hampton University requires that all full time undergraduate and international students have adequate health insurance coverage. The University has specific requirements that must be met for all enrolled undergraduate and international students. The requirements include a plan that provides appropriate coverage to access patient care providers in the Hampton Roads area for: emergency and non-emergency conditions, mental health, and prescription drug benefits. Coverage must remain in effect for the 2019-2020 academic year, with an unlimited policy year maximum and immediate pre-existing condition coverage. If your coverage is a HMO and it does not provide guest privileges, it does not meet the University criteria.

Undergraduate and International students will be automatically enrolled in the University sponsored Student Health Insurance Plan and the annual premium will be billed to the student account, unless proof of adequate health insurance coverage is submitted. Students who already have health insurance for the entire academic year and meet the above requirements must submit a waiver by September 06, 2019, and the waiver request must be approved to avoid being enrolled in the Student Insurance Plan. It is the responsibility of the student to verify whether or not the charge has been billed to your student account.

Graduate students are not required by the University to have health insurance coverage but are eligible if enrolled in six or more credit hours. To enroll go to The plan is a voluntary basis. All international students are automatically enrolled in the Student Insurance Plan.

The plan is a Student Health Injury and Sickness Plan. It is designed to meet the health care needs of the diverse student population attending Hampton University. The plan provides the student with comprehensive coverage to include prevention and wellness benefits. The annual premium for the 2019-2020 year for the undergraduate students is $1,117.00 per year. The annual premium for graduate students is $1,117.00 per year. The coverage period is August 02, 2019 to August 01, 2020. Undergraduate and graduate students may select a plan for spouses and dependents. Please visit to enroll or waive the student health insurance.

The plan carrier is National Guardian Life and the claims administrator is Commercial Travelers. The account manager is Gallagher Student Health & Special Risk. They can be reached via telephone from 8:30am to 8:00pm EST at 877-498-7926 or by going to and clicking the Customer Service link. All claims are filed to Commercial Travelers, College Claims Division, at 70 Genesee Street, Utica, New York 13502. They can be contacted via email at, their website,, or by calling 1-800- 756-3702. The plan provides health insurance coverage anywhere in the United States and when students are traveling abroad. The plan is an indemnity plan and can be used at any physician office, hospital, or urgent care center.

The plan might pay, in addition to other insurance coverage, when an out of state HMO does not provide coverage and might assist with the deductibles or any unpaid balances that are not covered by the other insurance. All students with a limited, out of area coverage, or otherwise inadequate coverage in the Hampton Roads area will need to enroll in the student insurance plan.

Student Health Insurance FAQ (PDF)

Student Health Insurance Benefit Flyer (PDF)

2019-2020 Hampton University Buck Slip (PDF)