Colleges below universities generally don't buy commercial insurance for students. Commercial insurance usually needs to be purchased independently by individuals or organizations, and they are not one of the benefits provided by universities to students. Universities generally provide students with basic student insurance plans, usually including medical insurance and accident insurance, to protect their basic health and safety needs during their stay at school. However, commercial insurance usually involves a wider scope and content of protection. Students can choose to buy commercial insurance according to their own needs and conditions to further protect their rights and interests.