| When it's time to go off to college | | | | medical problems or emergencies. This |
| there are a lot of details to attend to. | | | | means it's very likely you'll have to |
| One of the things that tends to get left | | | | seek medical attention outside of your |
| out during this time is that college | | | | coverage should an issue more serious |
| students need student health insurance. | | | | the flu arise. Again bringing with it |
| For many their attention is on paying | | | | larger health care expenses. |
| tuition, and text books, and finding | | | | Going to the emergency room with no |
| your way around on campus. Then once the | | | | insurance will definitely cost you more |
| semester is underway your focus is | | | | than taking out a good medical plan. For |
| consumed with studying. With all of this | | | | young, perfectly students there are more |
| going on it's easy to see why student | | | | and better options available. |
| health insurance is one things that gets | | | | One option is to understand that while |
| left out. It's just not a top of mind | | | | your college or university does indeed |
| kind of thing… until you need it. | | | | offer the regular insurance that comes |
| Under some health insurance plans if | | | | with your tuition, generally for just a |
| you're a student and under a certain age | | | | little extra, most schools also offer a |
| your coverage may be allowed to continue | | | | group plan to students. It will probably |
| under your parents health insurance | | | | work a lot like an employee health |
| policy. If this is the case it is an | | | | insurance plan and offer the usual |
| ideal solution until you reach whatever | | | | coverage's you would expect. |
| that age maximum is. | | | | You should ask the same questions that |
| One thing to remember when searching for | | | | you would ask about any other insurance |
| student health insurance is colleges | | | | plan when considering this supplemental |
| offer insurance plans to their students | | | | insurance. These questions might |
| as well. In fact students often simply | | | | include: |
| select or accept the plan offered by the | | | | - How much are premiums and deductibles? |
| university without giving it much | | | | - Is there a yearly maximum payout? - |
| thought. The University will also often | | | | Which doctors can I see? - What is and |
| have a clinic for it's students. This | | | | is not covered? - Another important |
| leads students to erroneously assume | | | | question to have answered is does the |
| that they can get all their healthcare | | | | insurance plan cover me when I am |
| needs met at the on campus health | | | | traveling? |
| center. | | | | Many insurance companies offer |
| What these students don't realize is | | | | discounted student health insurance |
| that the school's insurance coverage is | | | | however your school's policy will |
| often quite limited. Very few schools | | | | probably be the least expensive. As long |
| have a clinic that is open around the | | | | as it gives you full coverage and you |
| clock, and if you need medical care in | | | | are satisfied with the offer you'll |
| the middle of the night, you're only | | | | probably find it really is the best |
| option is a trip to an emergency room. | | | | deal. |
| Another thing you'll want to keep in | | | | NRIOL offers student health insurance |
| mind when you simply go with your | | | | and visitors insurance to the Indian |
| university's health insurance plan is | | | | expatriate community. NRIOL is the |
| that, except for the head doctors, the | | | | leading insurance source with the |
| staff at your school's clinic are | | | | largest selection of health insurance |
| students just like you. They can give | | | | plans for visitors and International |
| you antibiotics for your cold, but they | | | | students. |
| clearly aren't able to handle major | | | | |