Health Insurance
Each student is required by the University to carry comprehensive medical care insurance. Individuals, who choose to be covered by a plan other than the University’s Health Insurance Plan, must present proof of coverage at the time of registration.
For a more complete description of healthcare services available, the student is advised to consult with the Registrar’s office sending an email to registrar@psm.edu.
Disability Insurance
Ponce Health Sciences University requires students to have a disability insurance; due to the fact of risk during health fairs, volunteer jobs, summer programs, research, clinical experiences, medical rotations, and electives.
The PHSU Disability Insurance Policy has an opt-in option to students from certain programs; this option will allow students to decide whether they want to enrolled and keep the disability insurance and include its cost in the enrollment charges. The opt-in process will be available every Fall term for students in qualifying programs (refer to table 1). After the fall period, the student will keep the disability insurance status selected for the rest of the Academic Year.
| Program |
Disability Insurance Requirement |
Doctor in Medicine (MD)
Dental Medicine Doctor (DMD)
Doctor of Philosophy in Clinical Psychology (Phd Psy)
Doctor in Clinical Psychology (PsyD)
Master in Sciences in School Psychology (MSSP)
Bachelor in Nursing |
Mandatory |
Doctor in Philosophy in Biomedical Sciences (PhD Biom)
Doctor of Philosophy in Public Health with Specialty in Epidemiology (DrPH)
Master in Science in Medical Sciences (MSMS)
Master in Public Health (MPH) |
Optional
Opt-in/ Opt-out available every Fall term upon registration
Default status is None.
|
Professional Certificate in Family and Couples Therapy (CFCT)
Professional Certificate in Neuroscience of Learning (CNSL)
Master’s in science in Medical Sciences-Online (MSMS online)
Master in Science in International Public Health (MPH Online) |
Not Applicable |
The Disability Insurance cost is included in the Tuition & Fees document for the AY 2025-2026. This insurance coverage provides benefits for students who lose their income due to sickness, accidents, or related events. Its coverage includes reimbursement for certain medical expenses incurred due to accidents. It also covers high risk pregnancies and blood borne pathogen incidents, among other situations.
Students who wish to cancel the disability insurance during this Academic Year, must send the opt-out form attached to studentaffairs@psm.edu before validation of the enrollment of the term. If the opt-out form is not received on or before the deadline published, the insurance cost will be charged in the 2025-2026 academic year enrollments with no opt-out option until the next Academic Year.
Students with their own disability insurance must present evidence during registration. In case of not having evidence of a policy or does not have insurance, they must submit the application through the school’s arrangement and follow the guidelines of this policy.
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