As a rule, students do not want to get a health insurance, as they think that it is just unreasonable waste of money, and as you know, the fees for the heath insurance are really rather high.
However, it is worth of it. I would like to tell you a teaching story. One friend of mine used to tell that he was as strong as an ox, so he did not need to have a health insurance at all. He always laughed at me when I paid for the health insurance. However, one day he got into the car accident, he did not receive many damages, however, his leg was broken, and he needed to have a surgery. The operation was not too difficult, however, it demanded rather big sum of money. As he did not have health insurance, he was not able to cover the cost of the surgery, and he was told that if the operation would not be made in the duration of two days, he would become lame in his right leg forever. My friend was in despair, he was not from the rich family, so he did not have any opportunity to receive some funds form the parents.
This story has a happy end. All his friends and I managed to save the sum of money enough to make the surgery and he is healthy now. However, the first thing he made when he left the hospital is he applied for the health insurance.