What role does insurance for school has to play in the face of the Texas elementary school shooting?
Do we need to take advantage of available insurance coverage to cater for unforeseen disasters or continue in our traditional way of living without cultivating the attitude of deliberately insuring important aspects of our lives without being pushed?
The recent elementary school shooting in Uvalde, Texas is another wake-up call to all schools, parents in the United States and international students living in the United States. You need to find out if American college students can apply for health insurance.
According to Statista(a data research entity trusted by over 23,000 companies around the world), the United States does not have a standardized system of insurance coverage for its citizens, and the majority of insurance policies are taken, like health care costs, are mostly covered through private institutions. Over 60% of the insured citizens are insured by employers, Medicare, or private and 20% came through other fabricated public means.
Why do we need deliberate actions on this?
According to the news report, nothing less than 19 students and two teachers were killed by the shooter, Salvador Roland Romas. Normally, such a situation is partially eased by the government and the school principals would have to face a heavy burden from the disastrous situations.
Who would take care of the victim’s corpse? Finances for the burial or other associated expenses? What about finances for repatriation for the deceased if it was from a different country? Have you ever taken any insurance program created to pay the cost of maintaining the mental health of the other traumatized students in the situation?
An insurance policy that covers some expenses undergone by deceased parents during the mourning period until they are strong enough to go back to work should be taken.
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There are some specific aspects of any project or situation that may need to be insured in order to have a secure future.
Take a look at the insurance coverage below as they could give you useful guides about how you can digest your situation with your insurance broker.
K-12 plan
This is an insurance plan taken for kindergartens till 12th grade. It covers sport, mental health, emergency medical evacuation and repatriation.
The repatriation is for the international students and doesn’t necessarily cover your child’s cost for seeking transfer to another school in order to avoid subsequent shocks that may be experienced by your child if still remains in the same school where the disaster took place.
Joe Biden mentioned that he may demolish and rebuild the school when he was having conversations with the principal of the school during his visit. The question is, what learning material or structure will be made available for the other students during the course of building the school?
Your child will probably need another school and this probably requires some costs.
Health insurance for students
This is very common in neighborhoods of the United States. This covers the student’s health costs if the need arises.
Equally, these three insurance plans are very popular and most of the time taken by international students.
1. School mandated health insurance plan
Under this plan, your school will give you compulsory insurance plans and the cost might be in your school fees. Here are some important FAQs for international students seeking health insurance coverage.
2. School sponsored health insurance plan
Under this, you are given the option to choose a school plan or go for other satisfying options made available. Whatever you will be allowed to choose will still be in tandem with their objectives.
3. No-set plan
Some schools do not have a set plan and it frees you to choose a suitable plan for you. But, you must still choose a plan and health insurance must be included.
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What happens to the financial situation of a private school owner and the teachers under these circumstances if the school income only comes from the students that are now either thinking of leaving or resuming back to the school without any certain resumption date? Wouldn’t it be sensible to consult a reliable insurance company to negotiate the best insurance plan that has large coverage for important aspects of your business, life, health, automobile and many others?
