High School Student-Athlete Insurance
High school athletics can be a source of excitement for schools, students, families and their communities. They provide opportunities for growth and leadership, and can they can promote health and wellness. While they may deliver all of these positives, athletics also present various risks during practices, travel and competitions. Securing a comprehensive insurance plan can offer protections for both athletes and schools. Knowing coverage is in place call also be reassuring for the involved parties.
With the assistance of Bene-Marc Inc., you can build an insurance package to help meet your needs. Bene-Marc specializes in sports insurance and can work with you on obtaining protections for sports-related exposures. Our team strives to provide excellent customer service and emphasizes building strong relationships with our clients. Contact us today for more information.
Accident Coverages for High School Athletes
Accident insurance helps financially protect high schools and their student-athletes. It may help pay for medical expenses that arise from accidents while students participate in school-sponsored activities. Whether you are part of a public school, a private school or a charter school, your insurance coverage can be tailored to meet your needs. Several different options are available, including:
Blanket mandatory accident coverage
Blanket mandatory accident insurance may protect a high school’s students while they participate in school-sanctioned activities. This coverage includes athletics and non-sport activities like speech, debate or drama. This policy may provide medical expenses if a student is injured while participating in these extracurricular activities. Specific rosters are generally not needed for this protection, and it typically functions as excess insurance, meaning individuals will receive benefits after their personal insurance provides coverage. Additionally, if the individual does not have health insurance, this coverage may function as primary insurance.
K-12 voluntary student accident insurance
K-12 voluntary student accident insurance is made available through the school for parents or students’ guardians to purchase. It is an excess insurance that helps pay for medical bills if a student is hurt while participating in a school-sanctioned event. Two options are typically available:
Full-time, 24-hour coverage provides continuous benefits throughout the year even when school is not in session (e.g., weekends, spring break, summer) and before or after school.
School time or “at-school” coverage provides benefits for injuries sustained when school is in session and when students are participating in school-sanctioned activities. All scholastic activities other than senior high football may be covered by this policy and coverage for senior high football is typically available with a separate premium charge.
Catastrophic accident insurance
Catastrophic accident insurance may provide coverage if a student-athlete suffers a severe injury while participating in a school-sponsored event. This insurance typically functions as an excess policy that works in conjunction with a base accident policy, and it and may have relatively high deductibles and limits. It may provide payments for medical expenses and the cost of continued health care in accordance with the policy.
How Much Does High School Athlete Insurance Cost?
The cost of high school athlete insurance varies depending on several factors, including which sports are offered, the size of the high school athletics program and the high school’s claims history. Coverage limits and deductibles could also impact the premiums.
Contact Us Today!
There are several high school athlete insurance options, and securing the right one might seem complicated. The experienced professionals at Bene-Marc can help you navigate these options and assist in putting together an insurance plan that meets your needs. Call 800-247-1734 or visit our website for more information.
