yes..when u get ur insurance at a young age, the rates are different to those of the working age..

altho ur company does insure u, probably it doesnt cover some areas in ur life like lady issues as such

yeah..specific..thats the word..u need to know what coverages that u need in ur daily life(work, lifestyle)..

an instance, for scuba divers, there's a non profit organisation, DAN(Divers Alert Network) providing insurance coverage for diving related illness, diving trips and medical care..