Nursing Student Insurance

[Lady T]

Help:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: I have to have student insurance for clinicals by the 29th of this month, I don't know who to get. Can someone please give me a little feed back on NSO has anyone used them and if so why did they choose them? I'm a dying lady in need running around like a chicken with my head cut off. :uhoh3: :uhoh3: :uhoh3: :uhoh3: :uhoh3: :uhoh3: :uhoh3: now and days this is how my world feels and looks.

[Reno1978, BSN, RN]

I used NSO. The process was simple and if you select the online option, they send you your proof of insurance as a .pdf once you're approved (I think it took like 2 days) and follow up with a mailed invoice and proof of insurance certificate.

[RNfromMN, BSN, RN]

I should caution that this may only apply to me, but my school "requires" it's students to have health insurance before starting clinical...I'm in the middle of my second year, have completed four separate clinical rotations (each with a different instructor) & have never provided proof of health insurance. They've also never seen my CPR certification card (that I actually have, though).

The administrator in charge of overseeing that each student has met this requirement told me over the phone she has no way of enforcing the policy. In fact, she told me it was more of a "don't ask, don't tell" thing.

I don't know about other schools, but at mine, lots of students were freaking about having TB tests in on time, physical exam forms filled out on time, etc. & I know we all got to start clinical on time, regardless of whether or not we had all our stuff in. One gal even went to our instructor & told him she wasn't going to be able to start clinical on time because she still didn't have her TB test in & he told her not to worry about & just get it done when she had time.

So, good luck. Again, I could be wrong here, but I don't think this is something to freak out about :)

[TazziRN, RN]

NSO is recommended even by malpractice attornies. It's a good company.

[dragonflyRN]

It was included in tuition at my school.

[Gromit]

Huh. I wouldn't really know where to look for 'student insurance'. Our school was insured (for our clinicals) -as for health insurance, thankfully it wasn't required or even mentioned. At the start of my RN program I was working two part-time jobs (totally over 40 yrs a week) but didn't have health insurance at all. It was all I could do to pay tuition and keep food on the table.

[TheCommuter, BSN, RN]

The NSO: Nursing medical malpractice / professional Liability Insurance and risk management information for RN, LPN, nurse practitioner and clinical nurse specialist.

Marsh Affinity: http://www.proliability.com

[meownsmile, BSN, RN]

NSO,, probly the cheapest and easiest to obtain if your in a hurry.

[RNfromMN, BSN, RN]

So, is this NSO just Liability Insurance, or will it cover dr appts & such?

[meownsmile, BSN, RN]

NSO is practice Liability Insurance. Your school requires you to have HEALTH insurance? Whats that any of their business? Id have to have a real good reason before id go buy a health insurance policy just for school. Are they going to supplement your premiums? Good grief.

Are you sure they dont mean student liability insurance only?

[RNfromMN, BSN, RN]

No, I'm pretty sure they mean health insurance...the reasoning I was given was that they don't want to get sued or have to pay medical expenses if we get hurt/stuck/contract something/whatever @ clinical.

Thank you Meow! I thought it was a bit ridiculous myself! Actually, that administrator kinda let it slip that part of the reason she could never actually enforce this policy is that it's personal information.

And, no, of course they're not going to pay the premiums. Most of the students I'm in school with get their insurance through their jobs & actually a lot of them work more hours than they'd like just to be able to keep their insurance because we're supposed to have it for the nursing program. The school has some sort of company they recommend if we don't have our own health insurance, but I never looked into it.

[Soup Turtle]

I don't know about other schools, but at mine, lots of students were freaking about having TB tests in on time, physical exam forms filled out on time, etc. & I know we all got to start clinical on time, regardless of whether or not we had all our stuff in. One gal even went to our instructor & told him she wasn't going to be able to start clinical on time because she still didn't have her TB test in & he told her not to worry about & just get it done when she had time.

So, good luck. Again, I could be wrong here, but I don't think this is something to freak out about :)

I had to have proof of those things before I was even cleared to register for classes!