|
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?
•
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.
Back to top
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...
Back to top
Q. What kind of insurance is this?
This is 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.
Back to top
Q. Where do I find a copy of the master policy?
The master policy is available at your school's district
office.
Back to top
Q. Where can I obtain 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. Brochures are also available at this website
under School Lookup.
Back to top
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%)
(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.
Back to top
Q. Is the price for the voluntary insurance premium a
monthly payment price?
No, our premium prices are a one time annual payment.
The price on the enrollment form is all you have to
pay to be covered for the school year.
Back to top
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 or credit card statement that you paid the
insurance premium.
Back to top
Q. When does the coverage for my student(s) begin if I
purchase voluntary coverage?
The effective date of your student's policy will be
12:01 AM. Follows the submission of your application
and premium.
Back to top
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.
Back to top
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.
Back to top
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. Coverage will
remain in force even if the student transfers to another
district.
Back to top
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!
Back to top
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.
Back to top
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.
Back to top
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.
Back to top
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.
Back to top
|
