Frequently Asked Questions

   • Why schools should provide/offer student accident
     insurance?
   • What is the cost to provide accident insurance for all
     our students while on the school grounds and
     participating in school-sponsored activities?
   • If we offer the Voluntary Coverage to our parents -
     what is required of the school administration?
   • Is there a minimum number of students that must
     purchase the insurance for us to qualify to offer this
     plan?

Q. Why schools should provide/offer student accident
      insurance?

    Most parents have health insurance that will pay
    medical expenses incurred by a student while on the
    school grounds or participating in school - sponsored
    events. However, many health plans contain
    deductibles and co-insurance leaving the parents with
    substantial amounts of medical bills to pay out of their
    pocket. With the advent of HSA's this is becoming
    more prevalent. Also, the number of uninsured
    students continues to persist in spite of all the
    goverment provided plans. As a school administrator,
    providing a good program to cover these medical
    expenses can be a good public relations tool, and help
    prevent parents from submitting such claims to your
    liability carrier, thereby reducing your explosure to
    liability claims.

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Q. What is the cost to provide accident insurance for
      all our students while on the school grounds and
      participating in school-sponsored activities?

    The cost depends on the level of benefits and other
    factors used to determine rates. Please contact us for
    a quote.

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Q. If we offer the Voluntary Coverage to our parents -
      what is required of the school administration?

    Although we have tried to make it as simple as
    possible for the school, it does require some
    cooperation.
    1. We provide the school with information to be
        distributed to parents prior to/or when the school
        year begins. This is usually accompanied by a letter
        from the school explaining the reason the school is
        offering this plan to parents. We can provide
        information to be used in this letter.
    2. After the student /parent return the enrollment
        forms to the school, they are forwarded to our
        office.
    3. We ask that school administrator make available
        claim forms and complete Part A of the form. You
        can view the form elsewhere on this website.

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Q. Is there a minimum number of students that must
      purchase the insurance for us to qualify to offer this
      plan?

    No. However, we do require that all parents be advised
    of the availability of the plan.

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These are the questions we hear the most. Please call us toll free at 1-800-328-2739, from 8 a.m. to 4:30 p.m. CST, if you don't find the information you need here.