Mandatory Student Health Insurance

Student Health Insurance Requirements

  International Students

If you are an international* student and are enrolled in 1 or more credit hours, select the scenario below that applies to you:

  • All Students are required to have health insurance. You will automatically be enrolled and charged for the SMU Student Health plan unless a waiver is submitted and approved each semester.

Enrollment Option:  Students may elect to enroll in the SMU Student Health Plan.

To ENROLL (you wish to be enrolled in the SMU Student Health Plan): 

  1. Go to My.SMU.edu
  2. Select the Student Health Insurance Tile
  3. Select the Mandatory Health Insurance button on the upper left hand side of the screen (this component will only be available once you are enrolled in classes for the current or upcoming term).
  4. This will take you to the Waive/Elect waiver system.
  5. Once on the waiver system you will be asked to provide:
    • Your date of birth in MMDDYYYY format (i.e. 01011990)
    • Your social security number (if available)
  6. You will click on the ‘Enroll’ button.
  7. You will be prompted to confirm your selection and agree to the Terms and Conditions by entering your initials.
  8. Once submitted, you will receive an on-screen confirmation advising you of your enrollment.  The premium will be charged to your student account. 
  9. If you want to add dependents to your health coverage, or add dental coverage for the summer semester, you must go to the AHP website https://smu.myahpcare.com/enrollment.

Waiver Option:  SMU’s policy is that all International Students enrolled in 1 credit hour or more must enroll in the Student Health Insurance Plan (SHIP).  There are only two allowable exceptions.

1)  Your government sponsors you while you are attending SMU.  That means they provide for your schooling and your insurance (U.S. insurance).  If you don’t know if your government provides this, they don’t.  You would know if they did.

2) You are provided U.S. insurance through either your parent’s or your spouse’s U.S. employer.

 If your insurance does not meet these requirements, you are not eligible for a waiver and MUST enroll in the SMU offered insurance.

Additional Requirements:

  1. Your insurance imposes a deductible that does not exceed $5,000.
  2. Proof of Repatriation expenses in the amount of no less than $25,000.
  3. Proof of expenses associated with the medical evacuation of the insured to the insured’s home country of no less than $50,000.

If your health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits to the SMU Student Health Plan.

International policies, policies purchased from a broker or policies from your home country are not acceptable.  

Students who meet these requirements, are eligible to waive enrollment in the SMU Student Health Plan.  The new online waiver request form must be completed each semester by the waiver deadline date. Late submissions will not be accepted.  If you do not submit a waiver or if your waiver submission is not approved, you will be automatically enrolled in the SMU Student Health Plan and the cost of the coverage will be included on your student account.

To WAIVE (you DO NOT want the SMU Student Health Plan):

  1. Have an electronic copy of your medical ID card, full policy document, and proof of medical evacuation and repatriation (if available) ready.
  2. Go to My.SMU.edu
  3. Select the Health Center Tile
  4. Select the Mandatory Health Insurance button on the upper left hand side of the screen (this component will only be available once you are enrolled in classes for the term)
  5. This will take you to the Waive/Elect waiver system.
  6. Once on the waiver system you will be asked to provide:
    • Your date of birth in MMDDYYYY format (i.e. 01011990)
    • Your social security number (if available)
  7. You will click on the ‘WAIVE’ button from the “I Already Have Health Insurance” section.
  8. Complete the waiver form and attach an electronic copy of the front and back of your medical insurance card.
  9. Select the ‘Submit Waiver’ button at the bottom of the waiver form.

Once you have successfully submitted your waiver request you will receive an on-screen confirmation and an automated email confirming receipt of your request. Please make sure you receive this submission confirmation email, and print it for your records. Should there be any problems with your waiver, you will need this confirmation email which contains your waiver request ID number. This automated email does not constitute granting of a waiver; a separate email as to whether your waiver request has been approved or denied will be sent from Academic HealthPlans within seven business days. For additional information or assistance, please contact Academic HealthPlans at 855-357-0242.

       If you have any questions, please contact the Insurance Coordinator at the Health Center by emailing studenthealthinsurance@smu.edu