Medical Insurance for College Students – What Every College Student and Parent Should Know

2007-03-08 10:33:40

( Health )



Choosing the right plan

There are two factors to consider in choosing the right plan for you. First, is the benefits and provisions in the plan that are suited to your particular situation and needs and; second, the length of time you need to be covered.

There is a plan especially suited for you who are traveling in any part of the world as international student, the college-sponsored plan and the plan which is available and applicable only to the country where you plan to study.

A plan that will suit your need

For international students, coverage includes benefits for lost luggage, repatriation and emergency evacuation apart from the usual medical and hospital expenses and medicines. Coverage also includes benefits for injury and sickness.

There is also the college-sponsored plan offered by the college or university of your choice. Most colleges and universities offer medical insurance for college students which you can purchase from them upon enrollment. If you are already insured, you may apply for exemption as long as you can present proof of insurance during registration.

There is also the type of medical insurance for college students which is available and applicable only to the country where you plan to study. There are countries that do not exempt you from availing of their local insurance program even if you are already insured in your home country. There are also a few countries that provide you with free medical insurance under their local health insurance program depending on the period of your stay.

Insurance coverage and benefits

Coverage for most of the college-sponsored medical insurance for college students begins a month before classes start and ends on the last day of classes. Benefits include coverage for injury and sickness including hospital expenses, expenses for medicines and doctor’s consultation.

For international students, some companies include benefits for short-term coverage only, an option to renew the coverage from one to three years, and the option to make a one-time payment or follow a monthly payment plan. Benefits also include hospital and medical expenses, doctor’s visits, and in some cases maternity and sport benefits.

There are also special plans for student auto insurance, student house insurance, student laptop insurance and student room insurance which may be availed through the college-sponsored medical insurance for college students with the payment of an extra fee or through a private insurance provider.


All rights Reserved © Tradenet Services srl
Do not duplicate or redistribute in any form.