Understanding HPSO Student Insurance: A Comprehensive Guide

In the realm of healthcare, professional liability insurance plays a crucial role in safeguarding healthcare providers against potential medical malpractice claims. This type of insurance offers financial protection in the event of a lawsuit arising from allegations of negligence or errors in patient care.

For healthcare students embarking on their clinical rotations, professional liability insurance is often a mandatory requirement. HPSO (Healthcare Providers Service Organization) is a leading provider of professional liability insurance, offering comprehensive coverage to healthcare students across various disciplines.

Overview of HPSO Student Insurance

HPSO’s student insurance program is designed specifically to meet the needs of healthcare students engaged in clinical rotations. This policy provides coverage for a wide range of activities, including:

  • Direct patient care under the supervision of licensed healthcare professionals
  • Participation in clinical rotations and practicums
  • Laboratory and research activities
  • Volunteer work in healthcare settings

Key Features of HPSO Student Insurance

HPSO’s student insurance policy offers several key features that make it an attractive option for healthcare students:

  • Affordable coverage: Premiums for HPSO student insurance are relatively low, making it accessible to a wide range of students.
  • Broad coverage: The policy provides comprehensive coverage for a variety of clinical activities and settings.
  • Extended coverage: Coverage extends beyond graduation, protecting for six months or until the next renewal date, whichever comes first.
  • No additional premium for professional status: Upon graduation and certification/licensure, coverage continues at the student rate for six months or until the next renewal, without an additional premium.
  • Easy online enrollment: The enrollment process is straightforward and can be completed online.

Benefits of HPSO Student Insurance

Enrolling in HPSO student insurance offers several significant benefits to healthcare students:

  • Financial protection: Coverage against medical malpractice claims provides peace of mind and financial security.
  • Enhanced learning experience: The knowledge of having insurance coverage can foster a more confident and focused learning experience during clinical rotations.
  • Fulfillment of school requirements: Many healthcare institutions require students to maintain professional liability insurance before participating in clinical rotations.

Eligibility for HPSO Student Insurance

HPSO student insurance is available to healthcare students enrolled in accredited programs in various disciplines, including:

  • Nursing
  • Medicine
  • Dentistry
  • Pharmacy
  • Social work
  • Occupational therapy
  • Physical therapy
  • Speech-language pathology

Coverage Limits and Exclusions

HPSO student insurance provides coverage for claims arising from bodily injury or property damage resulting from professional negligence or error. The policy offers limits of liability of $1 million per occurrence and $3 million in the aggregate. However, there are certain exclusions to the policy, such as intentional acts, criminal acts, and claims arising from the use of illegal substances.

Cost of HPSO Student Insurance

The cost of HPSO student insurance varies depending on the student’s program, year of study, and coverage limits. Premiums typically range from $35 to $100 per year.

Enrolling in HPSO Student Insurance

Enrolling in HPSO student insurance is a simple process that can be completed online. Students can visit the HPSO website and follow the online enrollment instructions. They will need to provide information about their program, year of study, and desired coverage limits.


HPSO student insurance plays a vital role in protecting the future of healthcare by providing comprehensive professional liability coverage to healthcare students. With its affordable premiums, broad coverage, and extended protection, HPSO student insurance offers peace of mind and financial security to students as they embark on their clinical training journey.