Ready? Okay! March is National Cheerleading Safety Month in the United States. The purpose is to help protect cheerleaders by spreading the word about cheerleading safety and by ensuring cheer programs follow recognized safety rules and progressions. With the administrators, coaches, parents, and athletes all working together, an education on how to perform at their very best while being safe in their efforts can be absorbed and passed on.
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,
The Student Accident Program is designed for schools, parents, and students. All three benefit from this essential coverage by offering protection against costs associated with accidents. Whether you have coverage or not, there is a cost to pay.
Let’s look at the value of this program by first looking at the need:
Accidents occur at school and always have.
Even as an adult, it is hard to forget that feeling of the first day of the new school year, whatever that feeling was for you. Sure, some enjoyed it, but most were met at the school doors with feelings of apprehension, fear, nervousness, anxiety, and the stark reality that summer vacation was truly over!
The Student Accident Program generally extends coverage for eligible benefits on field trips that are:
1. School Sanctioned
A sanctioned trip must be one that has the school’s permission or approval. A school would not want to extend their liability for an event that fell outside of their control.
Do you get the moans and groans from your students when you assign that timeless essay at the beginning of each school year on how each student spent their summer vacation? Are you dreading the possibility of reading 20 essays describing how they spend endless hours playing video games or the evading excuse of “I didn’t really do anything”?
We have talked about the benefits of the Student Accident Program to the school’s budget and how important it is to protect the operating costs, salaries, educational funds, nutrition allowance, and many other vital parts of the school’s finances. Let’s look at the benefits to the parents and children:
- Excessive Cost –
“I can’t afford to go to the doctor. Maybe it will get better.”
“We just don’t have the money right now.”
“Maybe we can borrow some money from ___.”
Have you heard anyone say these things before? Have you said them before? Knowing medical care will be expensive may affect the decisions someone makes about seeking treatment.
Did you know that the Student Accident
Program can complement the medical coverage a student may already have?
Case Study Brief
A StudentAccident.net client had a football student who was injured during practice. His forearm break needed immediate attention.
Some of the medical expenses incurred were:
- Emergency room visit
- Forearm Cast
- Follow-up visits
Even though the parents had major medical for the student,
The Student Accident Program is such a valuable benefit to students who attend your school. We see many schools without a well-thought-out risk management plan implemented. Having one in place helps to make your academy stand out as a proactive leader in student safety. Because of this, we suggest the schools promote it as a benefit of their academy.