LMU requires all undergraduate and graduate students enrolled in 7 units or more, J1/F1 international students enrolled in 1 unit or more, and LMU Loyola Law School students enrolled in 1 unit or more, to have health insurance that covers surgery, hospitalization, specialty medical care, or other services outside the scope of Student Health Services. For graduate students, units must be "billable" units. Non-degree coursework does not count toward the 7 units causing a grad student to be automatically enrolled in the student health insurance plan.
LMU has partnered with Gallagher Student Health & Special Risk to manage the student health insurance waiver and enrollment process. Please visit gallagherstudent.com/lmu to learn more about the student health insurance plan, or to complete your enrollment/waiver transaction. LMU students are also eligible to enroll into voluntary vision and dental insurance through the Gallagher website.
Eligibility for the student health insurance plan:
- Domestic students at the Westchester Campus with 7 units or more will be automatically enrolled into the student health insurance plan. If you wish to waive the LMU sponsored student health insurance plan, you must submit proof of comparable coverage.
- J1/F1 International students at the Westchester Campus with 1 unit or more will be automatically enrolled into the student health insurance plan. If you wish to waive the LMU sponsored student health insurance plan, you must submit proof of comparable coverage.
- Domestic students at the Westchester Campus with 6 units or less may enroll into the student health insurance plan on a voluntary basis.
- LMU Loyola Law School students with 1 unit or more will be automatically enrolled into the student health insurance plan. If you wish to waive the LMU sponsored student health insurance plan, you must submit proof of comparable coverage.
Cost of Coverage
| Semester | Westchester Campus | LMU Loyola Law School Campus |
|---|---|---|
| Fall (8/1/24 - 12/31/24) |
$1,139* | $1,134* |
| Spring (1/1/25 - 7/31/25) |
$1,576* | $1,571* |
* All insurance coverage is subject to applicable state form and rate filing approval and once approved to the terms of the Master Policy. We have not yet received approval from the state insurance department for the 2024-2025 benefits and rates described in this document. As part of the approval process, the State may require us to make changes to the benefits and/or rates. We will notify you if that happens.
Enrollment or Waive Deadlines - Academic Year 2024-25
- Fall: September 27, 2024
- Spring: February 7, 2025
To waive the student health coverage, students must log in with their single sign-on credentials (same login used for PROWL and other various LMU sites). Use the following steps to navigate to the health insurance waiver:
- Visit gallagherstudent.com/LMU.
- Under "Profile" click the "Log In" button.
- Scroll to "Plan Summary" and click the "Waive" button.
- Follow the instructions and provide the requested health insurance information to complete the waiver.
A reference number will be emailed upon submission, however final determination may take 24-48 hours. Check your LMU Lion email account regularly to determine the status of your waiver.
For more information regarding the insurance coverage, please visit gallagherstudent.com/LMU.
Student & Athletic Accident Plan
LMU has a mandatory student accident insurance policy in place to provide coverage for enrolled students when an accidental injury occurs. The coverage is secondary or excess to any primary health insurance plan the student may have and is designed to cover out of pocket costs for medically necessary treatment to heal a covered injury after your health insurance pays its portion. When an injury occurs, the claim form must be completed by the student and submitted to the insurance program administrator. Please see brochure and claim form for additional information.