Health Insurance

The University at Buffalo requires all full-time students to have health insurance coverage. All new students (full-time and international) are automatically charged for the University plan on the first tuition bill for the semester.

If you already have comparable health insurance coverage and do not wish to subscribe to the University's plan, you must complete the on-line waiver process.

Waivers negate grace period coverage.

You must submit a waiver request prior to or soon after your arrival at UB in order to be refunded the fee for University Student Medical Insurance. You may waive until the due date of your first tuition bill with no penalty. There is a $50 penalty to waive after the first due date; it doubles each month. The final waiver deadline is posted on the Student Medical Insurance website.

In mid-July, the waiver process will be available on-line along with dependent enrollment information and application (to add dependents, i.e. spouse or children). Frequently asked questions about the SMI plan, including the plan benefits, will also be available at the SMI Office and in PDF format on-line. Please visit the Student Medical Insurance website for the updated information in July.

Disability Insurance

All UB medical students are automatically enrolled in a group plan for disability insurance via HSA Consulting after paying the modest annual premium that’s charged to the fall tuition bill. Please visit the Buffalo Medical Student Disability Plan Website for information on the plan, instructions on submitting a claim and contact information for questions.  

Liability Coverage

Students are covered with liability insurance for clinical duties when BOTH conditions are satisfied:

  1. Enrolled for UB course credit
  2. The practitioner and/or hospital has an affiliation agreement on file with the SUNY Office of University Counsel, Health Sciences.*

*Please see the database of affiliation agreements available in the OME to verify that an agreement is in place.

Please note that all CPM preceptor placements and required clerkship placements are approved placements and students are covered with liability coverage for participation.

International Travel Insurance

Requirements for international travel as a medical student:

First, contact:

Holmes, David

David Holmes, MD

Clinical Associate Professor of Family Medicine, Director of Global Health Education, Associate Program Director, Interim Medical Director, Associate Clinical Chief, ECMC Family Medicine

ECMC Family Health Center 462 Grider St. Williamsville, NY 14221

Phone: 7166971884; Fax: (716) 898-5719


Then, you must choose one of the following two insurance options:

  1. Study Abroad Health Insurance (includes Medical Evacuation and Repatriation Insurance)
    Approximately $40/month.
    You can enroll online.
  2. Medical Evacuation and Repatriation Insurance
    Approximately $10/month & waive Study Abroad Health Insurance