Mandatory Student Health Insurance

Mandatory Student Health Insurance


Please Note: National Guardian Life through Cigna's National Network will be the new Insurance Carrier for the 2019-2020 school year. Please follow the link below to register with NGL, download your insurance card, get claim forms, etc.

SMU is very concerned about the health and well-being of all students and we at the Student Health Center are here to serve and provide for your medical care while attending the University.  In order to establish you have appropriate health care coverage, a mandatory health insurance requirement was passed by the President’s Executive Council (PEC) in February 2008. This mandatory health insurance policy requires students to maintain insurance coverage as a condition of their enrollment.

Beginning November 2, 2009, SMU’s mandatory health insurance policy requires students to provide documentation of insurance coverage (waive) or to enroll (elect) in the Student Health Insurance Plan (SHIP) each semester. In order to avoid automatic enrollment into SHIP and thereby have a semi-annual premium charge applied to your student account, you must take steps to waive SHIP coverage each semester in the Student Center component of My.SMU. Note: The Health Insurance button in the Student Center component of My.SMU will appear only after a student has enrolled for classes each semester.

Note:  The deadline for Spring 2020 for students who have not yet enrolled in classes by the December 7,  deadline will be extended to February 7.

***The deadline to waive out of the SMU Student Health Insurance plan for the Fall of 2019 is August 7, 2019 and for the Spring of 2020 is December 7, 2019. 

IMPORTANT: Your fall election of the SMU Student Health Insurance Plan will no longer automatically enroll you for the spring semester.  It will be necessary to elect or waive the Student Health Insurance EVERY semester. The premium is $1489.00 per semester for the Student Health Insurance Plan for the 2019-2020 Academic Year.

For more information on how to WAIVE or ELECT coverage, choose from the following:

I am a Domestic Student*

I am an International Student**

I am an International Student enrolled in the Intensive English Program (IEP)

I am a Voluntary Domestic Student Taking Less Than 9 Hours

*A domestic student is one who is a U.S. Citizen or holds a permanent resident card (green card).
**An international student is one who is in the U.S. on a Visa.