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3 Misconceptions About Student Accident Insurance

Accidents occur regularly at schools all over the country. For this unfortunate reason, it is important to take the necessary precautions that will ensure your school is protected if an unexpected accident occurs. There are numerous misconceptions about student accident insurance policies, and we are here to set the record straight:

#1 I Don’t Need Insurance

You cannot predict when an injury will occur, so don’t leave the health of your students or your school’s finances up to chance. Accidents can happen at any time, anywhere! Student Accident insurance is designed to help cover eligible medical costs because of an accident. The parents can be left with the responsibility for the total cost of the medical bills and the school may be liable to reimburse those costs, leaving their school budget vulnerable.

#2 I Will Just Purchase Insurance When I Need It

Most plans do not cover accidents that occurred before the date the insurance plan started. Insurance is supposed to help against future events. For example, you can’t buy car insurance to pay for an accident you were already in. Student accident insurance works in the same way, so make sure to have it before the need arises.

#3 All Health Insurance Plans Are the Same

Wrong! No two plans are exactly the same. There are various types of student accident insurance plans, each with different prices and types of coverage. You may wish to find the most affordable plan, but it is even more imperative to ensure the plan you chose covers everything that might be needed at your school. Will there be additional deductibles or out-of-pocket expenses for your students on your accident plan? Keep this in mind when choosing a policy.

Here at Student Accident, we provide numerous risk management solutions blending extensive research, excellent consulting techniques, and personalized service. Contact us to find out how we can protect your students and school. 

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