Good Protection Having College Student Health Insurance
College is expensive, but it will become more so if a sudden illness or injury will
make you pay a huge medical expense because your child does not have a college student health insurance. In planning for college, many parents place insurance coverage among the least of their priorities. But in reality, it should be among the top priorities since having one will avoid a financial disaster brought about by an injury or illness. If your child is going to a far off location to study, such as in other countries, having a health coverage becomes more essential. If he is hospitalized while studying, it could have some negative consequences on your plans.There are several ways in which a college student health insurance can fulfill the needs of your child. Many of these plans allow a student to remain with the family plan even if he goes past eighteen years old, so long as he is enrolled in a school with the minimum number of credit hours. A lot of schools also have their own health plans that they offer to their students. In some educational institutions, such coverage is mandatory. If you do not like your child to take the insurance plan that a school offers, you can opt for a health plan that is offered by private companies. Usually, it is the best option that you can have for your college student.
The problem with letting your student remain with the family plan that he has been on since childhood instead of taking a college student health insurance is the higher cost. A family insurance is usually expensive and carries high deductibles. There are also a lot of exclusions in the policy. If you are going to get private health coverage, the premiums that you will have to pay regularly are lower. The reason for this is that a person in college age is healthier and less prone to illnesses and injuries than a small child.
However, insurance plans that were designed for college students are subject to the same pressure that is exerted by high medical costs. Hence, they always have exclusions and it is important for you to have knowledge of these exclusions in the policy. Many of them will not pay for medical conditions that are related to pregnancy, although the risk is very real in todays college environment. To be able to understand the policy for a college student health insurance, it is best to have your insurance agent guide you through it.
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