It’s only natural for school authorities to care about students and utilize all their resources to give them purposeful lives. But K12 school administrators often face daunting challenges dealing with student safety issues, information security, disaster preparedness, etc.
While falls, scuffles, and game injuries are a part of school life, they can take a turn for the worse.
These accidents can also occur at any time as your students learn, play, and grow. But what happens when they threaten a child’s well-being? Do you have a backup plan if the parents allege mismanagement or bring a lawsuit against your school?
The school administration is responsible for keeping the children safe and sound as parents trust the administration and leave their children under their care. Upon failure to protect the children from harm, the school can face lawsuits and charges. That’s why you need School Accident Insurance.
What Is School Accident Insurance?
Schools purchase School Accident Insurance to cover parents and students from costs associated with getting injured in any school event on school premises. It can also help school management secure their finances if parents sue them.
School Accidents insurance comes after other insurances pay first, for example, “self-insurance.” Suppose an unfortunate event occurred on the school premises and injured a student. They would have to use their medical insurance first. School Accident Insurance will pay the post-medical expense of primary insurance.
School Accidental Insurance covers any out-of-pocket expense from parents or guardians of children. Without coverage, students and parents would be liable to pay out of their pocket, putting an immense financial burden on parents.
How Does School Accident Insurance Work?
Suppose a student faces any injury on the school premise during any event. They would treat the injury first and then send the bill to the primary insurance provider.
Then the school and parents collectively work to claim student accident insurance. The school would sign the accident claim form and forward it to the parents to complete, sign, and submit it to the school’s insurance.
Parents would have to notify the medical provider that they have secondary insurance service through the school. The medical provider would need you to submit the bill after primary coverage adjudicates claims.
Parents who receive the bill have to work closely with the medical provider and secondary insurance to get necessary documents, including EOB, bills, and other required documents, and by the school, medical provider, or the insurance.
Comprehensive School Accident Insurance Plans
It is not mandatory to have Student Accident Insurance, but it may be a good idea to have one as it offers excellent benefits. If you are in the school district, sports, athletics, camp, or any other department like that, you might want to look into getting more coverage.
You get the following options:
The design of this plan is to provide coverage for 24 hours for your children. No matter if the schools are not sessional or are in-sessions. This policy covers all types of school events, including pre-seasons and postseasons. Secure your students with 24 hours and all-year protection.
School Time-Only Plan covers students from entering school vehicles to school premises. This plan is only applicable to school days and school years. This policy also covers school-sponsored events.
Extended Dental Plan
Dental injuries are very common among children and can occur during school sports activities. The Extended Dental Plan is a benefit to one of the plans above as these injuries are costly. This plan will cover dental injuries to a certain amount.
With this plan in hand, it will protect the children and their parents from injuries and expensive medical bills. Not only students but schools can protect themselves from legal actions. Students can now participate in sports as our Extended Dental Plan has their back and has got them covered.
Who Needs Student Accident Insurance?
School Accident Coverage can keep superficial injuries from incurring massive medical bills. Even though schools are mostly not liable for any injury to their kids on school premises, parents will still blame the school.
Student Accident Insurance maintains a good relationship between school and parents. It acts as a disciplinary force so that no conflict can arise between students and parents over medical bill issues, along with protecting many interests of the school.
Contact JMG Insurance Agency Today
We have always envisioned children’s protection and parents’ feasibility regarding children’s safety at school. Get in touch with JMG Insurance Agency’s to get School Accident Plan today and protect your children from injuries.
Educational institutes are here to make things easy for students and parents, and this policy is one act of sincerity toward students. We are shaping children’s future to be better in their profession, become better citizens, and, most importantly, better human beings.