No one should go without health care coverage, regardless of their age or current health condition. An accident, injury or illness can happen to anyone, anywhere, anytime including “young invincibles,” who are studying and working hard at colleges. The rising costs of health insurance, especially regarding exchange plans, continue to dominate the headlines. Therefore, it’s more important than ever for parents of college students to research, compare and ultimately select a plan that best keeps their child healthy and in college.
Many students come to school with medical insurance, but for those who do not the incurred expense of an unexpected injury or illness may affect their ability to remain in school and progress towards graduation. Students need easily accessible care to stay healthy, engaged, and on the graduation path. Research confirms that having health insurance is associated with: Better health. Lower health care costs.
In case you fall sick or are injured in an accident, the treatment costs could be unaffordable in an international healthcare facility. In the United States of America (USA), consultation fees charged by a doctor may be around USD 300 to USD 350. Healthcare costs abroad are significantly higher than domestic expenses. Medical insurance plans for college students will cover medical emergency costs such as accidental death or permanent disability, dental emergencies, and medical evacuation.
2. Non-medical emergency coverage
As a student living alone in a foreign country, there may be situations when things go wrong. The costs of overcoming such situations may be very high and availing of the best HEALTH INSURANCE for college students will be beneficial. These plans cover non-medical emergencies such as loss of passport, delay or loss of baggage, and study interruption, among others.
3 Emergency medical expenses
Health insurance for students policies reimburse expenses incurred due to an unexpected sickness or an accident. In case, you need to be repatriated home for treatment, the plan will reimburse the expenses as per the terms and conditions. Furthermore, if you pass away, the insurer pays the costs of repatriating your corpse home. If you are permanently disabled, you receive compensation as per the policy terms.
4. Personal liability
If you are legally liable to pay damages resulting from a lawsuit for property damage, the insurer will cover the same. The health insurance for college students also covers bodily injury to another person in case of an accidental lawsuit against you.
5. Other benefits
The insurer reimburses expenses in case your sponsor passes away, your studies are interrupted, a family member needs to make a compassionate visit, you require pregnancy treatment, or childcare benefits. It is recommended you read the policy document to understand the exact inclusions and exclusions before making your choice.
Contrary to common perception, you are able to receive comprehensive coverage for a small premium amount. For a small amount, you enjoy the peace of mind knowing that you are covered in case of an emergency. Several plans are available and comparing health insurance quotes for students before making your decision is a wise option.
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