While more than 1.35 million kids suffer a sport-related injury that requires emergency room treatment each year, at an estimated cost of $935 million, student accident coverage is what can help to mitigate the “out of pocket” losses.
At K-12 schools, these accidents are frequent and sometimes severe. In today’s rapidly changing health insurance landscape, out of pocket medical expenses are growing, creating financial burdens for families and exposing schools to contentious liability claims.
We offer the combination of Student Accident for everyday injuries and Catastrophic Medical for the most severe sports related injuries (with the same carrier). This can help ensure a school is covered for most incidents, therefore minimizing parents’ out of pocket medical expenses. From Science Class to Recess, Phys Ed to Football, Cheerleading to Chess Club.
Competitive rates for the 2015-16 school year are now available. Contact Dmitriy Glazer for additional information.
- To get Student Accident Medical and/or Catastrophic Accident Medical insurance quote please complete this application (PDF).
- $1,000,000 and $5,000,000 Medical Maximums
- Allocated Benefit Plans
- Various Deductible Options
- Lifetime and Other Term Benefit Periods
- Accidental Death & Dismemberment (Heart & Circulatory Coverage is also Available)
- Permanent Total Disability Benefit
- Family Expense Benefit
- Written as Excess to Other Valid and Collectible Insurance
This program provides coverage for all registered students of the school and can include coverage for pre-school, kindergarten, elementary, junior and/or senior high schools. Boarding school students may also be covered on a 24-hour basis.
These Accident Medical Only plans are available to both public and private schools, on a mandatory or voluntary basis, to cover students while participating in all school sponsored and supervised activities on or off school premises, including participation in interscholastic athletics, including tackle football. Coverage is also provided during tryouts, preseason play, practice, regular and post season play.
School Critical Protection & Recovery (CPR) Insurance Program
Student accident programs have always been designed to protect students while they are the responsibility of school staff. That’s why we also offer School Critical Protection & Recovery (CPR) Insurance Program for schools need to be prepared for events that may be out of their control.
If insured schools are facing a natural disaster, a breach of their school’s data system, accusations of sexual abuse or a violent attack on their site, they need to be prepared. With School CPR, offered by Special Markets Insurance Consultants (SMIC), they can be.
SMIC offers access to a team of professionals ready to provide a quick response in critical situations combined with excellent programs to protect schools, students and staff.
- Student Accident Insurance
- Data Breach Response
- Deadly Weapon Protection
- Sexual Misconduct Liability
- Foreign Travel Evacuation
- Crisis Management
School CPR provides insured schools with a comprehensive package, addressing their critical protection needs and giving administrators the peace of mind they need to focus on the development and education of children. SMIC relieves the worry of the financial impact or emotional trauma that comes with the critical situations facing us today.
Coverage is available in all states and includes state specific definitions, limitations and exclusions. *Note – information provided above is intended to be a brief description of coverage, inclusions, exclusions, and conditions. A complete sample policy is available upon request.