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K-12 Basic Accident Medical Expense Plans

Our K-12 plans provide benefits for medical expenses incurred as a result of a covered accident involving students and student athletes. Coverage is available to elementary, junior and senior high schools in the public, private and parochial school arena. Schools may choose to cover only students, only athletes or both, depending on the need.

    Insured Benefits


    For Students:
  • School-sponsored
  • Up to $1,000,000 benefit maximum
  • Coverage for school-sponsored and supervised activities including sports, on or off school premises
  • No deductible to satisfy for students
  • Usual and customary benefit schedule for students*
  • Accidental death and dismemberment benefit included for students
  • One day non-athletic field trip coverage (included at no additional charge when sports coverage is purchased)

    For Athletes:
  • School-sponsored
  • Up to $1,000,000 benefit maximum
  • Coverage for interscholastic and intramural sports, and non-sport extracurricular activities including band, cheerleading, and gym class
  • Includes coverage for tryouts, pre-season and post-season play and conditioning or athletes

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    Value Added Services


  • In house claims and customer service
  • Online enrollment option
  • VISA/MC on-line payment options
  • Toll free phone numbers
  • Customized reporting
  • Educational sports safety and student health initiatives

*Various benefit schedules available

This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.