The sufficiency of $1 million lifetime ma for a student health insurance plan depends on your current condition. This is especially true if you are in a very good health condition.  Usually though, $1 million is very hard to spend on health epenses alone, unless you are in a very serious illness or accident. See to it, however, that this lifetime ma amount of your student health insurance is not under a per sickness/accident limit term.  If this is the case, even if you have a $1 million lifetime ma, only a portion of this can be used every time an illness/accident happens.  As an eample, if this lifetime ma has an aggregate term of $250,000 per illness/accident, then you are limited to only $250,000 amount for every claim. However, given a chronic health condition, this student health insurance may not be enough for some due to the need for constant medication.  If this is the case, you may apply for an etension of the lifetime ma of your student health insurance plan. Usually these are provided with a very minimal additional premium. One option you may also try would be to buy another health insurance that would cover the etra medical epenses beyond your $1 million lifetime ma. Having an HSA (Health Savings Account) is another good alternative aside from a student health insurance in securing your health needs.  Aside from the money you save for medical emergency and retirement, an HSA saves you monthly premiums and ta fees. Health insurance is always the individual's responsibility.  Company provided health insurance policies are there as long as you work for them.  However, with an individually owned health insurance plan, you can guarantee medical coverage as long as you pay the necessary dues. - June 3, 2009 @ 2:11 pm