Your Students are the Future
What is Student Accident?
“Student Accident is a form of domestic medical insurance, which private schools implement to shift liability away from the organization.”
Student accident insurance is designed to provide coverage for student injuries and accidents at school during school hours and/or school-sanctioned events. Student Accident is a form of domestic medical insurance, which private schools implement to shift liability away from the organization. Mandatory coverage is the only way to ensure all students who are injured during normal operational hours, school-supervised after-school activities, and summer sessions are protected. StudentAccident.net is an industry leader in providing affordable and comprehensive student accident insurance to schools across the country.
Why Schools Need Student Accident Coverage
“Unfortunately, accidents and injuries are inevitable, but student accident coverage can prevent further financial and emotional burdens for both the organization and the families of the injured student.”
School Accident Statistics
• • • • • • • • • The #1 killer of children age 14 and under is unintentional injury. Many medical policies do not provide comprehensive coverage. School-related injuries resulted in over $5 billion in annual medical expenses. 6.18 million children aged 14 and under sustain school-related injuries each year. An accident needing medical attention happens on the playground every 2 ½ minutes. Annually, 1 in 14 students suffers a medically attended or temporarily disabling injury at school. 3.5 million sports- or recreation-related injuries occur each year to children under age 15. An estimated 40 million individuals in the U.S. do not have medical insurance. Sports injury hospitalizations among children ages 5 to 18 result in annual charges of $113 to $133 million.
Reducing Risk and Helping Families
Without student accident coverage, a student injury can create unexpected expenses for the family of the student and for your school. More often than not, an expensive lawsuit citing “negligent supervision” will be filed against the school. Schools must also be aware of what types of risks exist on school property. Eliminating or reducing these decreases the chances of “negligent” claims occurring. With these claims on the rise, being aware of risks and minimizing them is important. Knowing that parents won’t incur burdensome medical expenses as a result of a student injury is a value-add to your school and a sound financial decision for your organization.
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