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 College
Student Accident and Sickness insurance plans are very important
factors for the students just starting on their college careers. Young
adults, leaving home, probably for the first time, to attend college,
may also be reaching the age where they are no longer covered by their
parents’ health insurance program. In order to afford them the
opportunity of protecting themselves from financial hardship or
financial disaster, due to unexpected and uninsured medical bills, all
colleges provide an accident and sickness plan for their students.
In
some cases, plan participation is on a strictly voluntary basis.
However, in most cases the college will use some sort of waiver
system, whereby all students in the college are insured under the plan
and are billed for the coverage with their semester billing. If they
have valid coverage under another plan, they can provide proof of
coverage, and “waive” off the college insurance plan, and have the
premium refunded.
NOTE: Many states now require that all full time college
students have medical and hospital coverage, so the “hard waiver”
system assures conformance to the state regulations.
These
plans are unique and designed especially for each college. In order to
get a proposal, certain information is needed, including, but not
limited to the name of the school (of course!), copies of the last
three year’s student insurance brochures (which outlines the coverage,
benefits and limitations) and three year’s premium and loss (claims
paid) information.
Attached
is a
questionnaire, which you can
use to request a proposal. If you have any special requirements, like
increasing some benefits, or adding a deductible, please include
that in a cover letter along with the filled-out questionnaire; or
call our office at our toll free number, for
more information.
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