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Generally, college going student are very young and healthy, they are likely to be fly without a medical safety cover. This is the most common reason most of students are without health insurance. But, the reality is, sickness and accidents can happens, even to young people. It shows that health insurance is absolute necessity for students. So make sure your child has the right kind of health insurance and protected during the all college days.

There are so many insurance providers are offering student health insurance plans which are specially designed according to the needs of student for health care needs. These plans are available in different ranges to cover different scenarios, for students studying in his own country or for studying abroad.

Generally, student health insurance covers hospitalization expenses for sickness/illness/diseases and accidental injuries. Besides of this, the cover can be included for mental and nervous disorders, dental treatment, alcoholisms and drugs addiction, pregnancy related expenses, sports injuries, etc. These are common situation that can be occur during college days. Some plans also provides cover for Swine Flu/H1N1 influenza.

Some of insurance also provides cover for non medical expenses such as checked baggage loss, bail bond, personal liability, study interruption, etc.

Today, you will find out that the most of colleges and universities offers their own health policies for students. This is a really good option to take the advantage, but these plans can be more expensive.

Most of traditional health insurance plans are allowed for dependent children's to stay on parents policy until the age of 25 years, but the cover is allowed only, if the child is full time student. If your child is not covered under parents or group policy, you will need to purchase individual health insurance for your child.