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Frequently Asked Questions
• When and where will my student be covered by this insurance?
• Why is the school participating in this offering?
• What kind of insurance is this?
• Where do I find a copy of the master policy?
• Where can I pick up a brochure for Student Assurance Services' insurance plan?
• Who should consider buying this insurance?
• Is the price for the voluntary insurance premium a monthly payment price?
• If I purchased voluntary coverage how do I know that my student(s) are insured under the Student Assurance Services' plan?
• When does the coverage for my student(s) begin if I purchase voluntary coverage?
• Do you offer a discount if I am buying insurance for more than one student?
• Can I send in one check if I am buying coverage for more than one student?
• Do you offer refunds for any reason such as my student is leaving the district, or if I bought football coverage and my student didn't make the team, etc.?
• When and how can I enroll?
• If my student switches school districts, and their new school district doesn't use Student Assurance Services' insurance program can I still purchase your coverage?
• Does the student accident plan cover accidents only when my student(s) is at school or is there coverage when they are at home?
• How does the major expense option work?
• Does Student Assurance Services' plan coordinate benefits with my primary insurance carrier?
• Where can I get a claim form for my child's accident?
Q. When and where will my student be covered by this insurance?
The choice is yours! This Insurance offering describes several enrollment options designed to fit your individual needs. Please review this entire brochure, especially the coverage descriptions, before making your selections.
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Q. Why is the school participating in this offering?
Students are particularly susceptible to accidental injury. Your school district does not carry insurance to pay for X-rays, stitches, ambulances, etc...
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Q. What kind of insurance is this?
This is supplemental accidental bodily injury insurance; it covers accidental bodily injury occurring while the coverage is in force. Illnesses such as measles, sore throats, etc., are not covered.
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Q. Where do I find a copy of the master policy?
The master policy is mailed to your school's district office at the beginning of the school year, and should be kept on file throughout that school year.
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Q. Where can I pick up a brochure for Student Assurance Services' insurance plan?
Brochures are available at your school's office. If the school runs out of brochures during the year; the school can call Student Assurance Services to order more brochures.
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Q. Who should consider buying this insurance?
1. All families with no health insurance.
(A) If you have no insurance, we will be your primary carrier.
2. Families with policies having deductibles or co-pays.
(A) Most family health insurance plans contain a deductible or co-pay provision (often 80%-20%) and we will apply our benefits to the 20%, and/or to the deductible.
(B) The larger the deductible or co-pay percentage, the more you can benefit. There is no deductible in our basic plan.
(C) Families using an HSA plan.
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Q. Is the price for the voluntary insurance premium a monthly payment price?
No, our premium prices are a one time annual payment. So the price on the enrollment form is all you have to pay to be covered for the school year.
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Q. If I purchased voluntary coverage how do I know that student(s) are insured under the Student Assurance Services' plan?
Your proof that your student(s) are enrolled is your cashed check that you paid the insurance premium.
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Q. When does the coverage for my student(s) begin if I purchase voluntary coverage?
The effective date of your student's policy will begin when the school receives the premium enrollment form, or when Student Assurance Services receives the premium enrollment.
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Q. Do you offer a discount if I am buying insurance for more than one student?
No, we do not offer any discounts to multiple students.
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Q. Can I send in one check if I am buying coverage for more than one student?
Yes, you can pay on one check for more than one student. Make sure that is clearly stated that there is more than one student being paid for on one check, and make sure that we also receive the information that we need on all of the children that are enrolling.
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Q. Do you offer refunds for any reason such as my student is leaving the district, or if I bought football coverage and my student didn't make the team, etc.?
Student Assurance Services can not offer refunds for our plan, because it is an annual term policy, and we would have covered the student during the time that they were participating in activities at the school.
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Q. When and how can I enroll?
ENROLL ANYTIME! It is to your advantage to enroll early. The premium cannot be prorated. Make check payable to: Student Assurance Services. Write the student's name on the check. Save this illustration with your insurance papers, you will not receive a policy or ID Card!
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Q. If my student switches school districts, and their new school district doesn't use Student Assurance Services' insurance program can I still purchase your coverage?
No. However, if your new school district doesn't use our coverage they certainly can work with us in the future.
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Q. Does the student accident plan cover accidents only when my student(s) is at school or is there coverage when they are at home?
If the 24 hour coverage plan is chosen the student(s) are covered when they are at home as well.
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Q. How does the major expense option work?
If your student incurs a major injury costing you thousands of dollars, the Major Expense option allows us to continue to help with medical payments if any of the basic benefits are exhausted. There is a deductible for the Major Expense Benefit.
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Q. Does Student Assurance Services' plan coordinate benefits with my primary insurance carrier?
Yes, Student Assurance Services will coordinate with your primary plan.
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Q. Where can I get a claim form for my child's accident?
Claim forms are available at your school. If the school needs to order more they can call Student Assurance Services and we will send them out immediately. You can also download a claim form. However, a school official may need to complete part of the form.
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