Student Medical Insurance
If you or your child will be going off to college soon, student medical insurance is ideal and often required by the school, especially since there is a lot of exposure to other sick students. Many students obtain medical insurance from their university’s student health care clinic instead of getting their own. There are better policies available for students that vary in benefits and rates.
University Insurance vs. Outside Insurance
You can get both, university and outside medical insurance, but university insurance alone wouldn’t do much justice if you or your child caught something bigger than the flu. It may also be a good idea to have outside student medical insurance as a backup in case university insurance doesn't provide the coverage you need. The school nurse is limited to only smaller diagnoses, anyway.
Finding Good Student Health Insurance
If you or your child intends to graduate in the near future or have already graduated, individual medical insurance may be the best option to go with. Individual health insurance plans can be obtained by picking a private plan or through an employer. Many parents of students can cover their children, even if they are college students, up until they leave school or reach a certain age.
Students who are looking to study abroad may look into an international nisurance plan such as iStudent Insurance. These plans generally offer a wide range of benefits, such as
Trip Cancellation
Evacuation/Repatriation
Student Travel Insurance
Secure Monthly Health Insurance Plan
Student travel insurance caters to students who study abroad year round or briefly during their school career. Such students generally won't be covered by the home college or university plan.
Short Term Medical Insurance
This plan provides students (U.S. citizens) with short term medical insurance. This allows students to fill in the gap in between insurance coverage periods. This type of plan is not renewable and will only cover up to 6 months (sometimes up to 12 months).
Some of the benefits are as follows:
Outpatient Visits
Hospital Room & Board Coverage
Emergency Room Treatment
One Million-dollar Policy Maximum