Because college students don't have much savings, they should buy insurance according to their own economic situation and needs. If the budget is low, you can read this article compiled by Senior Sister: How to buy insurance is the cheapest?
First of all, although college students generally buy campus medical insurance, the scope of medical insurance reimbursement is limited, and the expenses beyond the scope of medical insurance need to be borne by themselves. College students generally have no income, so it is difficult to bear more medical expenses at this time.
If medical insurance is configured, the expenses beyond the scope of medical insurance reimbursement can be reimbursed, and the remaining expenses can be reimbursed after deducting the deductible after meeting the claim conditions, thus reducing the expenditure of medical expenses.
To buy medical insurance, you should choose the protection of renewal and hospitalization allowance. The premium of medical insurance is usually several hundred dollars. College students who want to configure medical insurance can take a look at this article: the latest list of 10 million medical insurance is freshly released!
When college students are ill, they need to pay for treatment. If the condition is serious, it will take some time to recover even after treatment. There are quite a lot of expenses incurred in the recovery period, and parents may be needed to help pay the expenses. If the critical illness insurance is configured, you can get a sum of money after applying for insurance claims successfully, which can be used as rehabilitation expenses to reduce the burden on parents.
When purchasing critical illness insurance, we should pay attention to the protection content. Good critical illness insurance generally provides complete protection for mild and moderate diseases, and some also provide multiple compensation and extra compensation for high-risk diseases, or premium exemption and death protection. Senior sister has compiled ten good critical illness insurance. If you are interested, you can have a look: ten popular critical illness insurance stocks worth buying!
In addition, because accidents are inevitable, once an accidental injury occurs, it may cause great losses, so it is necessary to configure accident insurance to reduce the economic losses caused by accidents. To buy accident insurance, it is recommended to choose products that provide accidental medical protection. If there is demand, you can also choose products that provide sudden death protection.
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