Student health insurance is an absolute necessity for every student in both the undergrad and the graduate degrees. However, most of them do not avail of the health insurance and, instead, mostly rely on their university’s health clinic for some reason. Nonetheless, it is important that everyone realize that school clinics suck and they won’t provide you with all the coverage that you need.

But how is it more beneficial than school clinics?

Students of the medical field would most likely understand the reason for all this hype regarding a health insurance. This is because they are the ones who are more exposed to toxic chemicals compared to other students of different degrees. They are the ones who are most likely to be infected with HIV, TB and other infectious diseases. Most of the time, student clinics aren’t reliable when diagnosing these kinds of problems. So the best thing that you can do is to avail instead of a student health insurance plan.

There are many things that you can do if you want to avail of something better than a student clinic diagnosis. Usually, what most students do is that they stay on their parents’ health insurance so that they wouldn’t need to go out on their own and try to find another one. However, there are usually health insurance policies that do not give full coverage. This means that there are times wherein they wouldn’t give you the full coverage. So the best thing that you can do is to research this option first and see for yourself if your parents’ coverage health insurance is the one you’ll need.

Another thing that you can do is to research on your school as they will sometimes provide people with a student health insurance plan. Most of them would be low-cost health insurance from different private companies. You can always ask your admissions office for the type of coverage that they will be able to give you, as this coverage would usually cover the basics and all the other policies by other companies.

However, if none of this works for you, then you can always research and apply on your own. The market is a very big place, and there is almost a hundred percent chance that you will be able to avail of a student health insurance plan that will cover all of the things that you need. Just remember to find the trusted companies, and you are sure to make all of your school days free from worries.