What You Need to Know about Student Health Insurance

School work requires lots of time, effort, and sometimes sacrifices on a student’s part. The demands for every course or subject entail much mental and physical effort from students. And if their immune system is not all that strong, students can get sick every now and then. To help students maintain their health, some US states require students to have health insurance.

Why students should get health insurance

One reason students are better off with a health insurance is for them to stay healthy and be able to keep up with the challenges in college or graduate school. And because many students enrolled at universities work part-time to finance their education, the more they are prone to getting sick. In addition, many working students are no longer covered by their parents’ health insurance policies. This leaves students responsible for their own well-being. If they have their own health insurance, students can get treatment when they get sick, recover immediately, and proceed to juggling their school work and social life.

Where to get student health insurance

One source for student health insurance is universities and graduate schools. Many colleges, universities, and graduate schools offer health insurance to students, especially if the course demands are physically exhausting. Another source for health insurance is private insurance companies. They offer special packages and insurance policies to students, particularly those attending college, law schools, medical schools, MBA schools, and graduate schools.

What you need to know about student health insurance

Students eligible for health insurance are those of 17 years up to 29 years of age. General choices for student health insurance are group and individual insurance. A group package covers a particular set of diseases while an individual package can be customized depending on the need of a student. Usually, the premiums for both group and individual packages are affordable. No matter which package you choose, remember to read the fine print carefully and clarify gray areas before signing any documents.

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