In the last blog post, we talked about a student accident insurance policy and why every charter school should purchase one. In this post, we will focus on the limitations and exclusions of a student accident insurance policy and what your charter school can expect to pay in premiums.
Student Accident Insurance Policy Exclusion
The following is a list of the most common student accident policy exclusions. (Keep in mind that every policy is different, and you should review your specific policy to understand its exclusions.)
No benefits will be paid for loss or expense caused by, contributed to, or resulting from:
- Sickness;
- Suicide, attempted suicide, or intentionally self-inflicted Injury;
- Injury resulting from fighting;
- Blisters, insect bites, frostbite, vegetation poisoning, and food poisoning;
- Injury due to participation in a riot or felony;
- Motor vehicle accidents are covered by medical benefits coverage in automobile “no-fault” and traditional automobile “fault” type contracts.
- Cosmetic surgery. Cosmetic surgery does not include reconstructive surgery made medically necessary due to a covered accident which results in trauma, infection, or other diseases of the involved part;
- Treatment of a deviated nasal septum, including submucous resection and other surgical corrections, unless the treatment is due to or arises from a covered Injury;
- Air travel, except as a fare-paying passenger on a regularly scheduled flight operated by a commercial airline;
- Injury covered by any workers’ compensation or occupational disease law;
- Infections except pyrogenic or bacterial infections caused by a covered Injury;
- Hernia, unless it results from a covered Injury;
- Injury occurring while the insured person is legally intoxicated or under the influence of any narcotic unless administered on the advice of a physician;
- Injury while parachuting or hang gliding; traveling in or on any two-, three-, or four-wheeled all-terrain motor vehicle; jet skiing, skydiving, glider flying, parasailing, sail planing, bungee jumping; operating or riding on any snowmobile; skiing, snowboarding; or participating in a rodeo;
- Play, practice, or travel in connection with interscholastic football in which any ninth-, tenth-, eleventh- or twelfth-grade students participate unless the applicable additional premium is paid;
Student Accident Insurance Policy Premiums
Premiums for a student accident policy vary greatly depending upon the type of plan selected and the school’s activities. A basic plan will usually start around $20-$25 per student per year. If your school is interested in adding football coverage, the increased cost is usually around an additional $300 per student for a basic plan.
If you are interested in getting a student accident quote for your charter school, please don’t hesitate to contact our office.