Choosing the Right Student Health Insurance Plan
If you are a student at university, maintaining your health is a top concern. You can't afford to take time away from your studies for a prolonged illness or a chronic injury. With a private student health insurance plan, you can receive the prompt medical care you need at uncrowded facilities, which means you'll be evaluated more quickly and receive the personal care you require to make a fast recovery.
Student health insurance plans offer individual private medical coverage at rates that don't stretch a student's budget. Rather than replacing the services you receive under National Health Service, the benefits from your student health insurance plan top up your publicly funded treatment with faster care and a wider range of treatment options. When your academic career is at stake, student health insurance makes good sense financially.
Personal Medical Care for Students
With private medical insurance, students can receive the care they need quickly. Like an employee or employer health insurance plan, the right student health insurance plan gives you a comprehensive range of treatment options without taxing your budget. Look for a package that offers the basic care you require, including access to day patient services, specialist practitioners, inpatient hospital treatments, private ambulance services and a helpline that you can access 24 hours a day if you have urgent medical concerns that can be addressed by telephone.
A student private health insurance plan is not intended to serve as a substitute for National Health Service benefits. If you have a medical concern, you must see your GP in the first instance. Your GP will evaluate you to determine whether you require further medical evaluation, diagnostic exams or treatment from a specialist. Once your GP has given you a referral to a specialist, you must contact your insurance provider for authorisation. With the proper authorisation, you may pursue specialist treatment.
Because time, along with money, is a priority for students, the right student health insurance plan makes it easy and convenient for you to receive personal medical care. Look for a plan that does not impose a long waiting period on receiving services when you first subscribe. Some policies impose a wait period of several months before your treatment will be covered, or before your benefits will cover specific conditions. The provider you choose should have a strong reputation for processing subscribers' claims promptly.
Affordable Student Health Insurance
The right student health insurance plan isn't so costly that you can't afford necessities like food, rent and petrol. If you're in good health and you don't smoke, you should qualify for very reasonable rates as a student, thanks to your age. A package that offers the benefits you require may cost only several pounds per month. A more comprehensive package, including benefits such as psychiatric care or complementary medicine, may cost considerably more.
Shared risk plans with a high excess meet the needs of many students. With a shared risk option, you pay for the specific services you need out of pocket until your excess has been met. In addition, you must generally pay an affordable monthly premium. Shared risk student health insurance plans give you greater flexibility when you're choosing the practitioners you wish to see.
Requesting student health insurance quotes from several of the top insurance providers will increase your chances of finding the most competitively priced policy. Whilst all insurers consider certain health risks, such as your age, your BMI and your pastimes, all insurers do not offer the same rates for coverage. Choosing the right student health insurance plan expands your treatment options without stretching your student budget.
We saved a lot of time looking for quotes by using this site, and since we could compare lots of quotes at once, we saved money too. 
Ethan and Amelia T, Wales UK
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