Asuransi kesehatan untuk Mahasiswa – dapat terjangkau, dan bahkan murah, jika Anda memilih paket yang menawarkan cakupan yang tepat sesuai kebutuhan siswa Anda, dan jika Anda memahami cakupan yang dimiliki siswa Anda.
NONGKI.NET – Dengan memilih pertanggungan yang dibutuhkan siswa Anda, Anda tidak perlu khawatir untuk membayar biaya medis apa pun yang Anda tahu akan diperoleh siswa Anda. Dan, dengan memastikan Anda benar- benar memahami cakupan siswa Anda, Anda tidak akan terkena biaya kejutan apa pun di sepanjang jalan.
Asuransi kesehatan siswa dapat terjangkau, dan bahkan murah, jika Anda memilih paket yang menawarkan cakupan yang tepat sesuai kebutuhan siswa Anda, dan jika Anda memahami cakupan yang dimiliki siswa Anda.
Dengan memilih pertanggungan yang dibutuhkan siswa Anda, Anda tidak perlu khawatir untuk membayar biaya medis apa pun yang Anda tahu akan diperoleh siswa Anda. Dan, dengan memastikan Anda benar- benar memahami cakupan siswa Anda, Anda tidak akan terkena biaya kejutan apa pun di sepanjang jalan.
Langkah pertama untuk menemukan asuransi kesehatan siswa yang terjangkau adalah menanyakan tentang jaminan kesehatan yang ditawarkan kepada siswa Anda oleh sekolahnya. Banyak perguruan tinggi dan universitas menyediakan layanan medis melalui klinik di kampus kepada mahasiswa. Layanan medis ini mungkin tersedia gratis atau dengan biaya yang sangat rendah – dan apa yang lebih terjangkau dari itu?
Selanjutnya, tanyakan tentang kondisi yang sudah ada sebelumnya. Misalnya, siswa Anda mungkin menderita diabetes; perawatan medis untuk kondisi yang sudah ada sebelumnya seperti diabetes mungkin tidak ditawarkan melalui sekolah. Jika ini masalahnya, pertimbangkan untuk membeli polis asuransi kesehatan tambahan yang lebih kecil untuk menutupi pengobatan diabetes saat menggunakan layanan yang disediakan sekolah untuk situasi seperti flu biasa. Ini akan membantu menjaga asuransi kesehatan siswa tetap terjangkau.
Terakhir, cari tahu semua yang Anda bisa tentang rencana asuransi kesehatan siswa dan/ atau layanan medis yang ditawarkan oleh sekolah.
Berapa yang ditanggung jika siswa Anda mengunjungi ruang gawat darurat? Apakah siswa Anda diizinkan untuk mengunjungi profesional perawatan kesehatan mana pun, atau adakah jaringan dokter yang harus dipilihnya?
Anda mungkin berpikir Anda telah membeli paket asuransi kesehatan siswa yang terjangkau, tetapi jika kunjungan ruang gawat darurat tidak ditanggung – atau sangat sedikit biaya yang ditanggung – Anda akan dihadapkan dengan tagihan yang tidak akan membuat asuransi kesehatan siswa rencana tampaknya sangat terjangkau. Ketahui layanan mana yang tersedia, layanan mana yang tidak, serta cara mendapatkannya dan Anda akan menemukan asuransi kesehatan pelajar yang terjangkau.
Apakah Anda salah satu dari sekian banyak mahasiswa atau mahasiswa yang berencana melakukan perjalanan dan studi ke luar negeri selama satu semester mendatang?
Jika demikian, Anda perlu mempertimbangkan untuk membeli asuransi kesehatan pelajar di luar negeri. Asuransi kesehatan pelajar luar negeri dapat terjangkau dan murah, terutama jika dibandingkan dengan biaya pengobatan yang harus Anda keluarkan dari kantong Anda sendiri jika Anda sakit atau cedera saat belajar di negara lain.
iswa yang berencana untuk belajar di luar negeri biasanya dapat membeli asuransi perjalanan dari perusahaan asuransi yang mengkhususkan diri dalam asuransi perjalanan. Asuransi kesehatan pelajar luar negeri dapat dibeli dengan masa berlaku mulai dari satu minggu hingga satu tahun, tergantung pada perusahaan asuransi tempat pembeliannya. Anda juga dapat membeli asuransi kesehatan pelajar luar negeri jangka panjang jika Anda berencana untuk belajar di negara lain selama lebih dari satu tahun.
Ketika Anda mencari asuransi kesehatan pelajar luar negeri yang terjangkau, bersiaplah untuk memberikan informasi spesifik tentang perjalanan, diri Anda sendiri, dan orang lain yang akan diasuransikan. Pertanyaan akan bervariasi di antara perusahaan asuransi yang berbeda, tetapi semua perusahaan asuransi akan mengetahui:
• Negara, atau negara-negara, di mana Anda berencana untuk belajar.
• Tanggal Anda berencana untuk berangkat dan tanggal Anda berencana untuk kembali.
• Usia Anda, dan usia anggota keluarga lainnya yang akan ditanggung, seperti usia pasangan Anda dan usia anak Anda.
Sama seperti ketika Anda membeli polis asuransi lainnya, Anda perlu mengambil langkah-langkah tertentu saat berbelanja untuk polis asuransi kesehatan pelajar di luar negeri. Selalu periksa peringkat perusahaan asuransi yang Anda pertimbangkan. Cobalah untuk mendapatkan peringkat untuk keamanan finansial perusahaan asuransi, serta stabilitas operasi. Anda dapat menemukan informasi ini dari departemen asuransi negara bagian Anda, atau dari perusahaan riset independen. Tanyakan kepada departemen asuransi negara bagian Anda tentang informasi lain yang dapat mereka berikan tentang perusahaan tersebut.
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