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What role should school insurance play in the face of the Texas elementary school shooting?
Do we need to take advantage of the insurance coverage available to meet unforeseen catastrophes or continue our traditional way of living without deliberately developing an attitude of insuring important aspects of our lives without being paid?
The recent shooting at an elementary school in Ovaldi, Texas is another wake-up call to all schools, US parents and international students living in the US. You need to know if US college students can apply for health insurance.
According to Statista (a data research entity trusted by more than 23,000 companies worldwide), the United States does not have a standardized system of insurance coverage for its citizens, and most insurance policies that are taken, such as health care costs, are mostly covered by private institutions. . Over 60% of insured citizens are insured by employers, Medicare, or the private sector and 20% came through other fabricated public means.
Why do we need deliberate measures in this regard?
According to the news report, at least 19 students and teachers were killed by Salvador shooter Roland Romas. Usually, such a situation is partially alleviated by the government and school administrators will have to face a heavy burden of catastrophic situations.
Who takes care of the victim’s body? Burial financing or other associated expenses? What about financing the repatriation of the deceased if he was from another country? Have you ever taken any insurance program created to pay for the mental health maintenance of other students traumatized in the situation?
An insurance policy must be taken that covers some of the expenses incurred by the deceased parents during the mourning period until they are strong enough to return to work.
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The government can’t take care of everything, and they don’t have a plan to do it
There are some specific aspects to any project or situation that may need insurance in order to have a secure future.
Take a look at insurance coverage below as it can provide you with helpful guides on how to accommodate your situation with your insurance broker.
K-12 . plan
This is an insurance plan taken for kindergarten through 12th grade. It covers sports, mental health, emergency medical evacuation and repatriation.
Repatriation is for international students and does not necessarily cover the cost of your child to request a transfer to another school to avoid post-traumatic shocks that your child may experience if they are still in the same school where the disaster occurred.
Joe Biden mentioned that he might demolish and rebuild the school when he was in talks with the principal during his visit. The question is, what educational material or structure will be made available to other students while the school is being built?
It is possible that your child will need another school and this may incur some costs.
Student health insurance
This is very common in US neighborhoods. This covers the student’s health costs if needed.
Likewise, these three insurance plans are very popular and taken up by international students most of the time.
1. Compulsory school health insurance plan
Under this plan, your school will give you compulsory insurance plans and the cost may be within your school fee. Here are some important FAQs for international students who are seeking health insurance coverage.
2. School-sponsored health insurance plan
Hereby, you are given the option to choose a school plan or go for other available satisfactory options. Whatever you are allowed to choose, it will still be synonymous with their goals.
3. Unspecified plan
Some schools do not have a set plan and they allow you the freedom to choose one that is right for you. But, you still have to choose a plan and health insurance must be included.
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How School Insurance Can Help the Texas Elementary School Shooting
What happens to the financial position of the private school owner and teachers under these circumstances if the school’s income comes only from students who are now considering leaving or returning to school without any particular appeal date? Wouldn’t it be reasonable to consult a trusted insurance company to negotiate the best insurance plan with great coverage for important aspects of your work, life, health, car and many more?
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