Student Health Insurance

Student Health Plan

In partnership with College Parents of America, Next Generation Insurance Group developed the Student Health Plan™ to provide students and their families with an Accident and Sickness policy that protects them from financial loss.

NGI and colleges alike seek to mitigate the risks that could interfere with a student's goal of completing an education. Medical coverage is fundamental to this goal and is addressed through the Student Health Plan™.


An estimated 4.5 to 5.5 million college and university students are uninsured (out of an estimated 19 million students). As a result, NGI designed the Student Health Plan™ to provide students and their families with an alternative medical plan when no parental coverage is available, when student coverage is better than available parental coverage or when out-of-network coverage makes parental coverage prohibitively expensive.

NGI Solution

The Student Health Plan™ provides relevant benefits, guaranteed acceptance for members*, multiple coverage options, and flexible payment plans. Ideal for part-time, full-time or non-traditional students seeking an affordable alternative to limited coverage school-sponsored plans or the lengthy underwriting requirements of traditional permanent policies.

  • Choice of Coverage Plans: Premium or BasicPLUS
  • Flexible deductible options
  • Up to $750,000 maximum benefit per condition (Premium Plan)
  • No Plan Lifetime Maximum
  • Pregnancy covered as any other sickness
  • Prescription Drug Coverage
  • Preventive Care (Premium Plan)
  • Coverage for Substance Abuse & Mental/Nervous Disorder
  • Emergency Medical Evacuation: $50,000
  • $5,000 of annual tuition refund insurance by GradGuard
  • Underwritten by United States Fire Insurance Company, A.M. Best Rated “A” Excellent”
  • *Guaranteed issue to members of College Parents of America. (Membership may be purchased during the enrollment)
  • Not currently availble in Oklahoma or Maine

Flexible Enrollment


The Student Health Plan™ provides students and schools with a guaranteed option for obtaining Accident and Sickness medical insurance. Schools may actively promote enrollment on a voluntary basis or through and integrated solution.

The Student Health Plan™ complements existing school sponsored plans and provides even greater choice for your students.

Voluntary enrollments may occur here.