Student Accident
When a school purchases insurance for student injuries that occur at school or during a school-sponsored event, it not only protects the parents from potential financial hardships, but it also provides school administrators with peace of mind knowing all their students will be covered for their medical expenses. More importantly, no student will be denied medical treatment because their family does not have insurance. The purpose of the Student Accident Plan is to ease the financial burdens placed on the parents/guardians for the out-of-pocket medical expenses they incur when their child is injured at school.
Student Accident Plan Options: Schools have four coverage plans to choose from, depending on the types of activities they offer
- Classroom only
- Classroom & Limited Sports (Excludes football, hockey and lacrosse.)
- Classroom & All sports
- Boarding students
Coverage Includes:
- Attending school and participating in any classroom activity during regular school hours
- Traveling directly to or from school on regular school days
- Attending religious activities/retreats, including travel directly to and directly from
- Participating in school-sponsored summer programs
Medical Benefit and Limitations
- Coverage for eligible medical expenses incurred as the result of an accident during a covered activity provided that treatment is sought within 30 days of the accident. No benefits are paid for loss due to sickness or disease
- Benefit Limit: $25,000 for each accident per benefit period
- Benefit Period: 104 weeks
Catastrophic Accident Medical Expense Benefit
- Accident medical maximum amount per accident is $6,000,000 provided the first
- Expense is incurred within 26 weeks after the date of the accident
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