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YOUNG, FIT & HEALTHY? Then why would you need insurance? This is the attitude of many young students who think that only other people get sick or have accidents, but the reality is that anyone of us can and do need costly medical care at any time. Still think Insurance is a waste of money? |
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University Student Health Insurance Options!Do the young, fit, and healthy learners of the twenty-first century really need student health cover for their college days? We all know that insurance is one of those necessary evils in life right? We often resent paying for it, but then again we're so glad we have cover if the need arises where we need make a claim for those medical prescriptions and or treatments. Medical Insurance for Students also gives piece of mind, and some might say that that alone is worth the cost! Knowing it's there in the event of a medical emergency allows the insured to get on with their lives without worry. The cheap health insurance plan options for the healthy undergraduate is not going to break the bank either, although every single year, athletic youngsters are breaking bones in pursuit of winning a sporting event. Students that do have adequate cover can get on with the task in hand, which is learning, with the benefit of that latent yet 'there' peace of mind that it gives. Knowing that the kids of covered give the parents back home some serenity too. |
Student Medical Insurance for Overseas Learners
Going back in time to 1990/91 I did a backpacking tour of the world, well half of it, and there were many Western students in many of these faraway places either getting some kind of work experience overseas or studying as part of a program. I was astonished to discover that so many international learners overseas either had no health insurance cover or inadequate cover. Their reasoning was that they were young and invincible. Probably the most dangerous policy going! Proof of a university student health insurance, or some kind of special overseas policy for youngsters studying outside of their own country, should be a requirement before such posts are offered to study posts abroad, and they usually are, but there are also those so called students (taking time out (gaps)), who travel around independently and just think that the money spend on some kind of worldwide medical insurance is not money well spent. That is until they need it!!!
It's probably not fair to knock the laxidasical attitude of youth because we've all been there and had such laid back attitudes when we were younger. In any case, the young have nothing to compare things with as they've yet to become old. Oder people can compare their situation with youthfulness because they've experienced both being in different generations. Even so, that doesn’t mean we adults should not attempt to get the young learners to see why college student health insurance is so important, especially when low cost student health insurance is so available to most. More risks and experimenting is done in those studious years than at any other time in one's lifetime, so in some ways, for some students, insurance cover during this time is perhaps as important as any other time.
This couldn't care less attitude adopted by many young people is something that is evident in all youth as far back as generations can be traced. It's just part of being young and 'indestructible'. Such reasoning does not excuse such behaviour but more explains things as they are, how they've always been. The good news is that with more available education and signs that young adults are maturing faster at an earlier age than their predecessors, more kids than before are looking logically at the benefits of low cost student health insurance and the specially tailored college student health insurance plans.
Usually, it's great fun just being young, and quite often students are branded as being Cheap Charlie's. This isn't really fair because to start with, many young learners simply don't have a lot of disposable cash, and what bit they do have they want to spend on drinking, partying, grooming, dating, and shopping for clothes. There's absolutely nothing wrong with that because they are young and that's how it's supposed to be. However, none of us are indispensable, even though we like to think we are, so a heavily discounted college student health insurance should be compulsory, especially when the lifestyle of the youngsters is somewhat more risky than that of older mature folks.
Most student exchange programs for overseas studies are well organised and make sure that all the young learners have met all the requirements, i.e. some form of overseas university student health insurance policy, inoculations, and medical test etc. However, in today's world of the independent traveller, a lot of kids foolishly take off for illegal overseers educational experiences without going through the proper channels, and even if they can arrange for some form of overseas low cost student health insurance, may opt not to as this whole adventure is for a shoestring experience, and that means cut backs wherever possible.
The youth of today are no different to the youth of yesteryear, although each passing generation likes to reminisce with comparisons which start like this; Back in my day….. Being somewhat reckless is all part of growing up. That doesn't mean it's just, it simply means it's the way things have always been. If anything, students are perhaps a tad more mature than previous generations and tend to see the sense in college student health insurance for both domestic and overseas cover. Thanks to the many low cost student health insurance plans available, there are more young learners taking out some form of cover than ever before, although there are still many others who prefer to take their chances and use that money for other pursuits.
Low cost student health insurance still costs, which is why some learners ignore it. When someone reaches college age, it's also a sign of a young adult progressing up the ladder of life, but the fact of the matter is that many of the students are nothing more than big kids who refuse to grow up. College student health insurance or overseas cover for those who get to experience cultural exchange programs are the responsibility of the students, not the parents, or the governments, but the students themselves. Don't become a grim statistic and make sure you have sufficient student of university student health insurance for the duration of your studies.
TRAVELLING ABROAD, TAKING A GAP YEAR? Read on...
Covering that Travel Gap: Medical (health) Insurance for Students travelling abroad during a gap year is crucial. Every single year without expectation, young fit healthy students do the backpacking thing before starting university. They think that because they are youthful, able-bodied and in the pink health wise, that they are indispensable. Sadly, every year a plethora of students get sick whilst travelling, and those without insurance may never get to see the inside of a university due to accident or sudden health complications whilst overseas. It's a sad fact that some countries will allow patients to die if they cannot guarantee costs in advance. Still think it's worth travelling without cover?
A Word of Warning for Students with Pre-existing Health Conditions
If a student has a pre-existing medical condition, this needs to be taken that into consideration when getting new insurance, i.e. finding medical insurance that includes treatment for their condition. In such cases a more elaborate plan will need to be sought. It's NEVER a good idea to try and hide pre-existing health issues in order to get a cheaper policy because that insurance might not give cover at all in the vent that the insuree gets found out at the time of a claim.