Why Accident Insurance is Important

Sponsoring an accident insurance plan can be a good public relation tool and provide valuable financial protection for you and your students. Consider the following:

• The number of uninsured families continues to persist; accident insurance can cover a portion of their medical expenses.

• Most parent insurance plans contain deductibles, coinsurance and copays; accident insurance can offset these out-of-pocket expenses or bridge gaps in coverage.

• Accident insurance offers guaranteed coverage for students with no health questions as a condition for coverage. New students who join your school after the effective date are automatically covered or can enroll at any time.

• Accident insurance pays benefits per covered accident. This means your students are typically covered for multiple accidents during the policy period.

• Accident insurance may reduce your exposure to liability claims and law suits, since medical expenses are taken care of under the accident insurance plan.

• Accident insurance can be designed with your budget in mind while providing protection for students 24-hours a day or during school, including school-related activities such as sports and other extracurricular activities.

• Accident insurance provides unrestricted choice, parents can be treated by a hospital or physician of their choice. Accident insurance also does not require pre-authorization or referrals for medical treatment.

• Claim administration is done in-house, there is no outsourcing. Our dedicated in-house staff can provide the best possible claim service and answer all your questions.