You may request an exemption by providing proof of adequate alternate insurance coverage before the deadline listed in the Timetable . Your insurance must be effective from the first date of coverage of the Student Health Insurance plan. You may elect to enroll any accompanying dependents under the Student Health Insurance, provided that you are also enrolled. Most students find that the Student Health Insurance is satisfactory. If you decide to purchase outside insurance , you should look for a plan that is both affordable and meets your needs.
Cost is just one consideration.
To select the best insurance, you must consider your situation and that of any dependents. For instance, if you suffer from a chronic health condition, you should avoid purchasing insurance that excludes pre-existing conditions. If you choose an HMO or PPO, find out if there is a specialist approved by the insurance who can provide treatment. Some insurance plans have very low premiums, but have high deductibles, copayments, and many exemptions. In addition, a catastrophic plan will not meet the requirements to request an exemption from the UIUC Student Health Insurance plan.