The life of students revolves around studies and more studies. Building a successful career for themselves, or becoming entrepreneurs, tops their priority list, and rightly so. The thought of getting an appropriate health insurance cover rarely crosses the mind of a student. It does not occur to the mind of even parents.

But it is imperative for students to get proper medical cover. Whether a school student or a college student, living within the country or pursuing higher studies overseas, a student health insurance policy is crucial. There are varied reasons for this. Let us examine them here.

Reasons for students to get health insurance

We all know life is unpredictable. A medical emergency may come up anytime. We buy health insurance policies to meet such emergencies. The same principle applies to students also. Modern lifestyles are such that even kids face the risk of life-threatening diseases.

When it comes to health insurance, there is no right age. No one is too young or too old to buy a health insurance plan.

Student health insurance plans, therefore, have great significance. Students often live away from their families, exposing themselves to various health risks.

There is this risk element of getting badly injured in accidents or in some sports events. In such cases, a student health insurance plan can ease the financial burden on parents to a great extent. The medical cover can meet the cost of treatment and medicines, or surgery, if needed, without draining the savings of parents.

College students are susceptible to common infections. Many students suffer from chronic ailments such as diabetes due to modern day lifestyles. More and more examples of drug abuse and alcoholism by students are coming to light. The risk of contracting sexually transmitted diseases cannot be ruled out either. All these factors underline the need for health insurance for college students.

If you are planning to pursue higher studies abroad, do keep in mind the high cost of medical treatment overseas. Even a small medical procedure can cause a dent in the finances of parents. A student health insurance plan is all the more important if you are studying abroad or planning to travel abroad for higher studies.

When choosing a student health insurance policy, it is important to take into account the sum insured, the network hospitals, medical care facilities, list of illnesses covered, claim settlement ratio, pre- and post hospitalisation benefits and the reputation of the insurance company. Health insurance for college students can help meet tuition fee in case of absence on medical grounds, or meet travel expenses of family members visiting an ill student.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.