Please be aware, our policies are typically non-refundable after the Effective Start Date Has Begun. This policy is set by our Insurance Provider who has sole discretion on the review of refund requests. However, we will assist you in any way we can.
The refund policy stated in our policy brochures of all Student Medicover plans is stated as the following:
“Refunds of premiums are allowed only upon entry into the armed forces.”
Courtesy of being a valuable Student Medicover member, we also guarantee a 100% refund if your waiver application is denied by your school or one of the following criteria below is met,
1. Coverage period has not started
2. Not eligible to enroll (Not F1, J1, Full-time student for at least the first 31 days after the date for which coverage is purchased)
To request a refund, please submit the request through either of the following ways:
1. Please login to your Student Medicover account to submit the refund request.
My Account -> Modify -> I need to cancel coverage
If you'd like to cancel your coverage, you must provide one of the following documentation types:
,documentsOfficial waiver denial, eligibility documents or other supporting documents.
In the Additional Comments section, you can describe your refund reason.
2. Please send the following information to sm@smcovered.com:
- Name
- Date of birth
- Enrollment dates
- Email address
- Supporting document
If waiver denied: A screenshot of waiver denial notice within 14 days of the effective date of your policy or 14 days of the purchase date whichever is later. No refund request will be considered if no proof of waiver denial is received.
If coverage is not effective: Confirmation letter
If have a school-sponsored plan: Sponsor letter and proof of sponsored plan enrollment.
If loss of eligibility: Official legal documents of your situation