Opt-Out

If you do not want the Student Health Insurance Plan, you must decline or opt-out of coverage by submitting a waiver.

All new students to Davidson should receive a waiver system activation email. This activation is required before a waiver can be submitted. If you did not receive this email, please submit a support request by clicking here. 

You may only opt-out of coverage during the following Waiver Periods:

Davidson College Waiver Criteria

Welcome to the Davidson College Student Health Insurance Plan (SHIP). Davidson College requires that all students maintain student health insurance coverage as a condition of enrollment. You may apply for a waiver if you already have coverage under an alternate health insurance plan that meets certain minimum requirements.

To qualify for a waiver, your health insurance plan must meet the requirements as listed below:

1. Medical coverage must be currently active
2. Insurance plan must be accepted by off-campus medical facilities and providers within a 50 mile radius of campus.
3. Approved Types of Coverage:
   • Employer Plans
   • Private plans 
   • Medicare 
   • Medicaid (NC only and primary care provider must be within 50 miles of Davidson, NC) 
   • Short-Term Limited Duration plans (must cover the same coverage dates as SHIP)
   • Ministry Cost Sharing plans 
4. Following types of plans will not be accepted:
   • Financial Assistance plans and travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement.
   • HMO plans that are not accepted by off-campus medical facilities and providers within 50 miles of campus (e.g., Kaiser).
   • Medicaid plans that do not have medical facility/provider coverage within 50 miles of campus.

Please note: All students are eligible to be seen at the Center for Student Health and Wellbeing regardless of the insurance they have. 

Waiver requests MUST be submitted no later than 07/25/2026 to be considered.