Student Health

Health Insurance

Health Insurance Requirement

All students are required to maintain adequate medical insurance during their enrollment at Duke University. You must complete either the enrollment or waiver process within the open enrollment period (see below). Failure to do so will result in a delay in coverage or a charge for insurance you do not need.

Duke offers a Student Medical Insurance Plan (SMIP) designed to meet the needs of students who have no insurance or who have inadequate insurance coverage in the Durham, NC area. Please review your coverage. While it may be acceptable for a waiver, it may not provide the kind of security and coverage provided by our student plan, which is tailored to a Duke students specific needs.

If you are an international student holding an F1 or J1 visa, enrollment in the SMIP is mandatory.

The 2022-23 Duke SMIP is underwritten by Blue Cross Blue Shield (BCBS) of North Carolina. Student insurance plans with BCBS are identified as Student Blue.

Open Enrollment/Waiver Period

If you do not enter your decision by September 15, 2022, you will be automatically enrolled in the DUKE SMIP for the period from August 1, 2022, until July 31, 2023. If you are enrolled by default, the insurance charge will remain on your Bursar account, and you will not receive your enrollment ID cards until after September 15, 2022. If you do not enter your decision and are automatically enrolled, you WILL NOT be able to waive.

Intend to Enroll?
Please complete the enrollment process through your DukeHub account.

If you do not have a U.S. mailing address (required for mailing of the insurance ID card), please use the address noted under U.S. Mailing Address.


Intend to Waive?
Please complete the waiver process through your DukeHub account

See Waiver Criteria & Review for the requirements to waive the SMIP.


Open Enrollment for Spring 2023

Spring open enrollment for 2022-23 benefit year will begin November 15. Spring matriculates, please log in to your Duke Hub account to enter your decision to waive or enroll in the plan.

A prorated charge for the student insurance plan will be placed on your tuition bill/Bursar account. This charge and coverage by the plan may be waived if you provide adequate proof of coverage under another health insurance plan. The waiver criteria is listed below. Please note that by paying the insurance charge on your Bursar account, it does not automatically enroll you in the plan at that time. Please confirm enrollment through your Duke Hub account.

Need to Change Your Decision?

Did you enroll but intend to waive? Did you waive but intend to enroll? If you would like to change your decision, e-mail us at or call 919-684-1000 and we will reset your account. You must submit your request by 5 PM on January 31, 2023.