Student Insurance

Baylor College of Medicine believes student wellness is essential to academic progress and requires that all individuals enrolled in any Baylor academic program maintain medical coverage through the program or are enrolled in alternative coverage that meets the coverage requirements established by the College. The program ensures students have access to health and dental insurance to cover the costs of routine care and/or unexpected illness or injury.

The 2023-2024 Health Care Program for Students document provides an overview of the program, including such information as the enrollment requirements, cost of coverage, how to access information about what is covered, not covered, and out-of-pocket expenses. There is also information about how to apply for a waiver of coverage under this program should you have coverage under another group health care program. Please take a few minutes to review this important information.

View the Long-Term Disability Information document for information.

Students are covered by malpractice insurance while enrolled as a student performing duties on a core rotation or approved elective either at Baylor College of Medicine or elsewhere. The activity must be within the course and scope of your training for the malpractice coverage to apply. If you are uncertain about the status of an activity, you should consult with a dean in the Office of Student Affairs and the Office of Risk Management.

Activities aside from the above are not covered by Baylor College of Medicine malpractice insurance. Outside health care activities are not only risky from a malpractice standpoint, but are, in some instances, illegal. As such, they may lead to criminal prosecution, could prevent the granting of a license, and may result in dismissal from the College.

On any occasion where it could possibly be construed that there has been a deviation from ideal medical care, the patient has sustained a serious complication, or there is mention of litigation by the patient or family members, the student should immediately notify the Office of Risk Management at (713) 798-4509 and the chair of the department to which he or she is assigned. The chair of the department will evaluate the incident and if, in his or her opinion the incident was significant, instruct the individual to complete the Professional Liability Incident Report form furnished by the Office of Risk Management.