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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.

Success Stories: The Benefits of Additional Coverage

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
  • X-rays
  • Forearm Cast
  • Follow-up visits

Even though the parents had major medical for the student,

Boast About Your Student Accident Program

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.