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.