Our Promise: 100% Waiver Denial Refund
If your UNCC denies your waiver during the official waiver period — and you haven't filed any claims — we refund your premium in full. Simple as that.
University of North Carolina at Charlotte Insurance Waiver Requirements
The table below lists the official waiver criteria for Fall 2026. PSI plans are designed to meet every requirement.
| Requirement | School Minimum | PSI Status |
|---|---|---|
| Deductible Limit | Individual annual deductible must not exceed $500. | PSI plans for UNCC offer a low $100 deductible, passing the $500 limit effortlessly. |
| US-Based Carrier | The insurance carrier must be headquartered and operating in the US. | PSI is a US-based provider with domestic claims processing and support. |
| Charlotte Network Access | Must provide access to in-network providers in the Charlotte, NC area. | Full access to the UHC PPO network, widely accepted by Atrium Health and Novant Health. |
| Pre-existing Conditions | No waiting periods or exclusions for pre-existing conditions. | 0-day waiting period. Comprehensive coverage starts from day one. |
| Evacuation & Repatriation | Min. $50,000 for medical evacuation and $25,000 for repatriation. | $100,000 combined maximum benefit (Exceeds UNC System standards). |
PSI is not affiliated with or endorsed by your university. Our plans are offered as a waiver-eligible alternative to the university's student health insurance plan.
How to Successfully Waive UNCC SHIP
Follow this guide to enter your PSI details into the online waiver system.
Purchase UNCC Compliant Plan
Select a PSI plan that meets all UNCC requirements. Complete your enrollment online to trigger the waiver documents.
Get Your Insurance Details
Check your PSI ID card for your Member ID, Group Number, and Bin Number. You will need these for the online portal.
Submit to
Log into the UNCC Student Blue Waiver Portal and provide the information or upload the form to complete your waiver.
Frequently Asked Questions
Can PSI insurance waive University of North Carolina at Charlotte insurance?
What happens if my UNCC waiver is denied?
What is the UNCC insurance waiver deductible requirement?
When is the UNCC Fall 2026 waiver deadline?
What documents do I need to waive UNCC insurance?
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