It is only a relatively small number of students who have the luxury of enjoying coverage through scholarship or loans. The rest have to struggle to survive and will most certainly welcome a chance to purchase cheap student insurance. Though students can rely on their parents to pay for their health insurance, they might also be forced to pay for their own insurance and unfortunately, a majority of students just do not have sufficient funds to buy adequate protection. What's more, living without health insurance is dangerous, even for those who enjoy robust health. Here is how one should go about looking for cheap student insurance plans.
Use the Internet
It is much easier to find cheap student insurance online than by using traditional means such as yellow pages and classifieds. Before purchasing student insurance, be sure to find out just what is covered by an insurance plan.
Different factors
Before purchasing student insurance, whether cheap or otherwise, you should be sure to look at what is being offered by the insurance company. Does the plan, for example, allow the students to select their own physician? And how much is the annual deduction? Does the student need to fill out any forms in order to be reimbursed? It also pays to find out how much time it takes to be reimbursed and whether the insurer offers round-the-clock customer service. After being satisfied about all these issues, it then makes sense to start searching for cheap student insurance.
University's Own Insurance Plans
To find cheap student insurance, you may consider purchasing a university insurance plan that can be purchased for between 400 and 600 dollars per semester. It is also possible to purchase individual student health insurance but this may prove to be more expensive. Purchasing coverage from the International Student Organization is the best chance of obtaining the cheapest health insurance for international students.
Compass Health Insurance
Compass Health Insurance is offered to international students studying in America and this is certainly a most affordable health insurance plan. There are two types to choose from including Compass Gold and Compass Silver.
American College Student Association or ACSA
The American College Student Association (ACSA) is a non-profit organization that assists students in finding quality insurance and inexpensive health insurance options. Students who are not covered by parents, those transitioning between college and office, international students, graduate/married students and students requiring temporary insurance will all benefit from using ACSA.
Insurance for Every Aspect of College Life
Enrolling in a university is certainly a big step and so it will definitely pay to be well prepared for what lies ahead. Because students are thrice as likely to be burgled, it is important for them to purchase not only cheap student insurance, but also the most comprehensive insurance possible. This means that they must insure their contents, musical instruments and vehicle as well as consider health insurance too. This will not only provide added protection for students, but peace of mind.
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