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Why is this Coverage Needed and Who Pays for it?

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.

Are Students Covered on a Field Trip?

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.

2. 

Benefits to Parents and Students

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:

  1. Excessive Cost –

Case Study: Reducing the Fear of Medical Costs

“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.

The Hidden Cost of Student Accidents

The Student Accident Program was designed to benefit our schools, students, and parents. We wanted a program to protect all three from the cost of medical bills and the hidden cost of accident claims that schools sometimes overlook.

What are the known costs?

When a student is injured at school, that injury requires medical care which can range from only a few stitches to casts,

Play it Safe: Playground Safety Tips

Recess is typically the highlight of a child’s school day. It is important to make sure that playgrounds are as safe as they are fun. Here at Student Accident, we want to help your school prepare for anything that could happen on the playground or during any other school-related activity. The Centers for Disease Control (CDC) states that each year,