During the time you are in college or university it is important that you have some form of health insurance. University health insurance is usually offered by every school, if not required. This is because the higher education institution wants to make sure that if you get sick or injured at their facility, you are taken care of before things get worse. The types and choices of these policies vary greatly between the different schools. Some will require extensive coverage, while other may only request minimal amounts. Others will give students the option between various levels. Some even allow you to have private insurance to substitute for their version of university health insurance.
You could potentially have any type of insurance that is available to other people. It is up to you to determine what your needs are and if the plans offered by your school are capable of meeting those needs. Most students who already have an illness will probably benefit from staying on their parents insurance. Some others may be able to find more affordable insurance somewhere else. If you are unsure about what is the right choice for you the best thing to do is start reading the different university health insurance policies and making a decision based on that knowledge. It is very important you have coverage while away at school.
Everybody knows that when you put large amounts of people together, the risk for spreading germs increases greatly. Things like meningitis and other disease are very prominent in schools. If you didn’t have coverage you may be at risk for getting even sicker than the initial problems that arise. Schools see university health insurance as a form of preventing and stopping wide spread outbreaks. You do have alternative to school plans which may include your parents policy or other private forms of insurance. Just make sure you do have coverage of rates time period.