Getting insurance coverage as a student, especially through top companies, is important for protecting your health, property, and even your education. Many top insurance providers offer student-friendly plans, but finding the right coverage can be tricky. Here are 10 ways to get top companies’ insurance for students:
1. Check for University-Sponsored Health Insurance
- Many universities partner with top health insurance companies to offer affordable student health insurance plans. These plans typically provide coverage for medical services, including doctor visits, hospital stays, and preventive care.
- Contact your university’s student health office or check the university website for details on available insurance options.
2. Explore Health Insurance for International Students
- If you’re an international student, several insurance companies specialize in providing coverage for students studying abroad. Providers like ISO Insurance or IMG Global offer plans tailored to international students’ needs, covering health, accidents, and travel emergencies.
3. Utilize Parent’s Health Insurance Plan
- Under the Affordable Care Act (ACA) in the U.S., students can stay on their parent’s health insurance plan until they turn 26. If your parents have a comprehensive health plan with a top company like Blue Cross Blue Shield, Aetna, or United Healthcare, you may be eligible for coverage under their plan.
- Ensure that the coverage extends to your current location, especially if you’re studying away from home or abroad.
4. Use the Health Insurance Marketplace (ACA Plans)
- If you’re not eligible for your parent’s plan, you can explore the Health Insurance Marketplace (in the U.S.) during open enrollment. The ACA plans offer comprehensive coverage with subsidies for eligible students. Top companies like Cigna, Humana, and Kaiser Permanente participate in the marketplace.
- Check your eligibility for financial assistance to help reduce premiums.
5. Look for Student Health Insurance Providers
- Some insurance companies specialize in student health insurance plans. Popular student health insurance providers include:
- Aetna Student Health
- Wellfleet Student
- Student Health Advantage
- These plans are often designed with students in mind, offering affordable premiums and essential coverage.
6. Explore Short-Term Health Insurance
- If you only need temporary coverage, such as during a gap year or between university terms, short-term health insurance plans may be a good option. These plans typically offer more basic coverage but can be much cheaper.
- Companies like United Healthcare and Pivot Health offer short-term plans tailored for students.
7. Check Insurance Benefits with Student Credit Cards
- Some student credit cards come with built-in insurance benefits, such as rental car insurance, travel insurance, and purchase protection. Companies like Chase and Discover offer student cards with such benefits.
- Review the terms of the card to understand what types of insurance are covered.
8. Consider Renter’s Insurance
- Many students living off-campus may want renter’s insurance to protect personal belongings in case of theft, fire, or other disasters. Top insurers like State Farm, Allstate, and Progressive offer affordable renter’s insurance plans for students.
- Many plans also offer liability coverage in case someone gets injured in your apartment or house.
9. Use Insurers that Offer Discounts for Students
- Several insurance companies offer discounts specifically for students. For example, if you’re a student and you maintain good grades, companies like Geico or Nationwide may offer discounts on car insurance or renters insurance. v
- Check if the insurer offers discounts for students, which can significantly reduce premiums.
10. Compare Insurance Plans Using Online Tools
- Use online comparison tools to explore different insurance options for students. Websites like Healthcare.gov (for health insurance), Compare.com (for auto insurance), or Insure.com let you compare plans from top companies to find the best coverage for your needs and budget.
- Comparing quotes and benefits helps you make an informed decision.
Additional Tips:
- Read the Fine Print: Always read the details of the insurance policy to understand what’s covered and what isn’t, especially for health or renters insurance. Some policies may have exclusions or limitations for students.
- Consider Combining Coverage: If you need multiple types of insurance (e.g., health, auto, renters), bundling them with the same provider might result in additional discounts.
- Use Campus Resources: Many universities have partnerships with top insurance companies or provide additional services to help students navigate their insurance options. Be sure to utilize those resources.
By following these steps, you can find a comprehensive and affordable insurance plan that suits your needs as a student, ensuring you’re covered in case of emergencies, health issues, or accidents.