With all the things you have to pay for in college, paying for health insurance is probably last on your list. But what's last on your list could be the first thing to put you at serious financial risk.

That's why Assurant Health created Student Select just for college students . . . specifically those of you who may need to change schools or who may be attending school outside the HMO or PPO region of your parent's health plan.

* Products are underwritten by Time Insurance Company.

Student Select is permanent, renewable individual health insurance. It is designed specifically for college students under the age of 30.

• If you need to transfer schools, your Student Select coverage moves with you. Student Select is not tied to any one school. There's no need to change coverage or re-apply. In fact, you're covered when traveling anywhere in the United States, its possessions or Canada.
  
  
• You choose your doctors and hospitals. You are never restricted to an HMO or PPO service area.
  
  
• With Student Select you're covered year-round, not just during the school term. And, if for some reason, you have to leave school, Student Select stays with you for the remainder of the policy year... and then it's guaranteed renewable.
  
  
• Student Select guarantees renewability. Whereas most college plans only cover you until you graduate or very shortly thereafter, Student Select can be renewed as long as it's needed . . . and, of course, as long as the premiums are paid.

Student Select is available to any eligible student. Any full-time college student*(taking nine or more college credits), attending a state accredited college or university, under the age of 30 and is able to answer "NO" to the medical questions on the application, is eligible for Student Select.

You must be a full-time student for a minimum of 31 days following the effective date of your policy.

* Assurant Health will accept the school's definition of full-time.

The Student Select plan is simple, affordable and easy to obtain. You choose the plan that best meets your needs and budget.

Deductible Options: $250, $500, $1,000, and $2,500
Coinsurance (also referred to as Rate of Payment): 80/20 to $10,000

Benefits are paid as follows:

You pay your calendar year deductible.

Once your deductible is satisfied, Assurant Health pays 80% of the  next $10,000 of covered expenses.

Assurant Health pays 100% of your remaining covered expenses up  to $100,000 for each illness or injury. Your total plan maximum is $1  million.