School Accident Insurance provides medical coverage to students and financial support to parents in case their children face injury on school premises and during school events such as sports and camping.
This type of secondary insurance kicks in when the primary insurance has already paid what it can towards the medical expenses. So, school accident insurance comes forward to pay for expenses not covered by their regular insurance when there are some leftover bills.
Parents will receive an accident claim form from the school to complete so that it can be sent to the school’s insurance. And that can be the end of their worries.
Why Does Your School Need School Accident Insurance?
A student can face injuries for many reasons, such as slipping and falling on school premises or getting injured during any sporting activity. Student Accident Plans are ideal for schools, religious and nonprofit organizations, athletic departments, pre-schools, daycare centers, and anywhere else that needs to ensure the protection and well-being of young students.
School Accident Insurance protects school officials from lawsuits and offers comprehensive liability protection. It has your students protected as well. Healthcare bills and other expenses not covered by your medical insurance can be very expensive. But when you have adequate insurance coverage for your students, you can rest easy that you are protected in case of an accident.
Here are several more reasons school accident insurance is right for you:
Off School Hours Protection
Accidents can happen to students outside of school premises, like participating in sports and athletic clubs; students need protection there as well.
Protects Your School from Liability Claims
Some accidents are unavoidable, but some are caused by unsafe conditions or can result from some action or reaction of a staff member or another student. Private schools often become subject to more liability claims than public schools. These liability claims can be for property damage, bodily injuries, and other claims.
It can get pretty expensive for the school to compensate the injured party for these claims and can damage the school’s reputation. Superficial injury and accidents can result in lawsuits of thousands of dollars.
Protects Students During Sports, Gym, and Athletic Classes
Gym and sports sessions are an essential part of the curriculum. Still, courts can penalize schools for not taking precautionary measures in case there are recurring accidents that endanger the well-being of students.
Athletes must be protected while playing and practicing. Gym or sports injuries sometimes are minor and do not require more than routine care. However, they are very costly in case of broken bones, head injury, dislocations, etc.
School Accident Insurance covers the therapy and medical bills of gym and sports class accidents while saving parents’ balances.
Flexible Student Accident Insurance Plans
There are different types of coverage according to the needs of schools and parents. The Around the Clock Plan is a full-time 24 Hour, seven days a week, and year-long student medical insurance plan.
The Around The Clock Plan covers students’ medical expenses for all sporting events in and out of school. Even when the schools are not operating, this medical insurance plan will cover you year-round.
Co-curricular activities are a very effective way of learning for students. Trips and tours provide new ways of mind development and an exciting new way of learning. With adventure comes risk, but they’ve got you covered here.
While the School Time Only Plan covers school days and school years, it is not like the Around Clock Plan, which provides 24 Hours and full-year coverage. This plan only covers injuries caused when walking from school vehicles to school premises. Events that schools supervise also come under this plan.
Dental Treatment Coverage
Students often get dental injuries while playing, running, or doing sports. But don’t let this worry you. Insurance agencies have created a customized benefits plan for you to cover dental expenses to a particular limit. Your school will remain protected from getting sued.
They are providing extended dental plan coverage to students. Even when primary insurance covers most expenses, dental bills can prove very costly. The leftover expenses are also a financial burden for parents.
Get School Accident Insurance Coverage From JMG Insurance Agency
The team at JMG Insurance agency is committed to making things easier for schools, children, and parents. Their plans are tailored specifically to your needs. Student Accident Insurance is not mandatory, but it’s best to invest in coverage that cares for your students as much as you do. Contact JMG Insurance today to learn more about their School Accident Insurance plans.