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Student Health Insurance

Waiving Coverage

Students can waive coverage by completing the waiver section of the Online Waiver/Enrollment Form.

International Students

International students can not waive coverage unless they are currently insured by a plan of comparable coverage underwritten by a U.S.-based carrier.


Before waiving you should review your current policy to be sure that it provides comparable coverage by considering the following:

Waiving Instructions

After reviewing these considerations, if you wish to waive coverage,

  1. Log onto www.gallagherkoster.com/Smith
  2. Your username will be your Smith College e-mail address. Your password will be your Smith college ID number. If your ID number is less than nine digits, add zeros to the left (e.g., 123456 becomes 000123456).
  3. Select "I Want to Waive/Enroll" button. When waiving the insurance, have your current health insurance ID card ready as you will need this information in order to complete the waiver form.
  4. Immediately upon submitting your online form you will receive a confirmation number. Please save this number and print a copy of your confirmation for your records.