You see it is better to leav ethe insurance thing now , untill you cross 20 , i mean liek you are mature enough but as you said these stufsf are coonfusing , taht means you might not know which bank to chose , and after you have chosen one cause of good advertisements , you will be crying to see they dont have such facilites what they said.
Thus it is preferable to leave this untill atleast you get 25 , thil then your vision and dentals will be safe , i hope so.