Ensuring that you have adequate Medical Insurance cover before you start school is critical to your wellbeing.
However, many students neglect student health insurance either because they are covered in another type of insurance or for financial reasons.
Student health plans are offered by many insurers at affordable rates.
Therefore, you do not have to worry about paying expensive premiums to get a good cover.
Do You Need Student Medical Insurance?
If you are already covered in another health plan, you do not need to purchase student medical insurance. Before you purchase the cover, consider the following:
1. Are you covered as a dependent in your parents’ plan? Most insurance companies will not consider you a dependent if you are over 25. This means you will have to get a personal health insurance.
2. Does your college offer student health plan? Some schools offer group health plans for their students and staff. If you pay for the insurance in your fees, you may not need a separate student cover.
Insurance providers have different requirements for applying for the insurance. Usually, anyone who is under 30 years and is enrolled full-time in an accredited institution may qualify for the cover. Some schools require students to pay for mandatory cover from contracted providers, which is usually cheaper than private plans.
Limitations of Student Medical Insurance Plans
Most student plans do not offer comprehensive cover like general health insurance. Typically, there are more exclusions than benefits. Therefore, the plans end up being more like critical illness insurance or are meant to provide cover in the event of a major illness. Most policies tend to cover things like mental health and substance abuse.
On the same note, most of the policies do not cover anything related to birth control, antibiotics or prescription medication. The plans also typically exclude routine eye care and dental procedures. If you need these services, you will have to pay from your pocket.
Generally, if you already have private health insurance, you do not need student medical cover. The extent of cover of general medical insurance is bigger than that of student cover.
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Category : Medical Insurance Articles
