Top 3 Healthcare Plans For Students And The Benefits Offered

by Anil Kumar ~ September 03rd 2018

Accidents have no fixed time to happen and same is the case with diseases. We may meet an accident or get diagnosed with a serious illness anytime and there’s no way to predict the same. However, we can make attempts to lessen the harm caused by an illness or an injury. Health insurance plans for students is one of the options available in the market. Different providers are offering various plans to help students with their specific requirements. in this blog, you will learn about the different benefits offered and the top three plans available for students.

Benefits Of Health Insurance For Students

Illness and Medical Expense Protection: Under the offered protection, the insured won’t have to worry about their medical and surgical expenses in case they fall ill or meet an accident, unfortunately. The insured only needs to pay the regular premiums to the provider and they will take care of all their expenses.

Emergency Health Care: The offered benefits make the policyholder eligible to receive medical treatment in emergency conditions. When the insured falls ill, the provider ensures that they receive the required treatment timely and helps saving their lives in crucial situations.

24-Hour Assistance Services: Under this benefit, the policyholder receives the required medical treatment anytime they need. The healthcare provider is always ready to assist with the treatment required for any disease. These benefits are very useful in case a student is suffering from a serious illness or meets an accident, unfortunately.

Emergency Medical Evacuation: These benefits prove very useful when someone gets injured on the battlefield, in an accident or similar scenarios. Students having such a plan will be evacuated from the scene of an accident on a priority basis and will start receiving the treatment immediately.

Mental or Nervous Disorders Care: The offered benefits cover the students who are suffering from a nervous disorder and struggle with living with a fulfilling life. These disorders include but isn’t limited to anxiety, panic attacks, post-traumatic stress disorder, depression as well as substance abuse. Having a dedicated plan for students helps them recover from these traumatic situations easily and proceed towards living their lives to the fullest.

Plan Comparisons

For their valuable customers, the insurance providers have come with three different plans that enable them to choose one as per their specific requirements. Below, we are providing a feature based comparison of the three plans offered for students in the country:


    Under these cheap health insurance plans, the maximum medical limit up to $200,000 and the maximum injury or illness cover is up to $100,000. People with pre-existing conditions aren’t provided a cover under the basic plan and $100 is the deductible amount for each injury and illness. For outpatients prescription, the students will have to pay 50 percent of the total cost of prescription drugs. The emergency room deductible is $500 per incident and for they need to pay $25 per visit per day for the physical therapy & chiropractic care. For mental and nervous disorders, they receive a coverage up to $50 per day that increases up to $500 for inpatient care. For medical evacuation, they get a cover for up to $50,000 and $10,000 for accidental death & dismemberment.


    The standard plan also offers the maximum medical limit up to $200,000 and the maximum injury or illness cover is up to $100,000 but they also provide a cover to buyers with a pre-existing condition with the waiting period of one year. For medical evacuation, a cover is provided for $250,000 and $25,000 for accidental death & dismemberment. Also, for the Repatriation of Remains, a cover is provided up to $25,000 and maternity cover is provided in 80 percent healthcare centers of the network.


    Under the offered plan, you receive a cover of $300,000 for medical treatment for any type of injury or illness. The maternity cover is provided in 80 percent of the health care center of the network with a deductible amount of $45 per incident only. Also, the plan offers a 100 percent cover for one routine medical exam for each member of the family. The waiting period for a cover for pre-existing conditions is the same as standard. Moreover, for the injuries occurred from a terrorist activity, they get a cover of up to $50,000 and $5,000 for each sport-related injury.

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