Coverage R

Blanket Coverage  |  $50,000 Maximum
Provides 100% of the usual and customary charges for medical, dental and hospital services. Medications, supplies and orthopedic appliances included.

Coverage R25

Blanket Coverage  |  $25,000 Maximum
Provides 100% of the usual and customary charges for medical, dental and hospital services. Medications, supplies and orthopedic appliances included.

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Coverage R25D

Blanket Coverage  |  $25,000 Maximum  |  $100 Deductible
Provides 100% of the usual and customary charges for medical, dental and hospital services. Medications, supplies and orthopedic appliances included.

Coverage P

Blanket or Individual Coverage  |  $100 Deductible
Provides scheduled indemnities for medical, dental and hospital services. Automatic catastrophe allocation at 80%.
Option A:  All school sponsored activities including interscholastic football, on an individual basis.
Option B:  All school sponsored activities excluding interscholastic football.
Option I:  All school sponsored activities excluding all interscholastic athletics.

Key Coverage Features

Pupil Benefits Student Accident Insurance provides the comprehensive protection New York students need. Our high quality coverage extends to both public and private schools, pre-K through grade 12, and includes all school-sponsored activities, athletics programs, work study, noon hour activities, away activities and more.

All school sponsored and summer school activities
Athletics included at no additional premium (optional exclusions available on Plan P)
Catastrophic benefits, $50,000 or $25,000 aggregate max, 3 year benefit period*
Accidental death & dismemberment benefits
Deferred dental max $1000, benefits continue to 90 days after HS graduation
Glasses & contacts coverage
Chiropractic & physiotherapy
Easy claims submission, prompt payments
Online Resources Section for parents and student administrators

* Although most treatment is concluded within two years, we believe the third year is crucial. Only the most serious injuries extend into the third year. We do not want to cut off treatment or exclude those important services.

shop class

School Injuries are on the Rise

Sports Injuries

98%

Gym Class Injuries

87%

Student Altercations

82%

In-Class / School Day

60%

Away Activities / Field Trips

48%

After School Activities & Clubs

35%

In-School Coverage

  • School sports games, practice, training
    Football, basketball, baseball, wrestling, soccer, track and field, cheerleading, hockey, lacrosse, rugby, field hockey, tennis, swimming and diving, gymnastics, volleyball, etc.
  • Physical education class activities
    Running, volleyball, dodgeball, climbing, swimming, jumping, throwing, catching, etc.; indoor and outdoor activities
  • In-school activities
    Student altercations, running, slips and falls
  • In-class activities
    Science experiments, shop class, home economics, art class
  • Lunchtime, recess and playground activities
  • After-school activities
    Sports practice, camps, clubs and organizations, performing arts activities and events

Coverage Off School Property

  • Away sports activities
    Sports games, championships, invitationals. Baseball, football, basketball, wrestling, soccer, cheerleading, hockey, lacrosse, rugby, field hockey, tennis, swimming, bowling, etc. 
  • Away cultural activities
    Field trips to museums and other cultural and state venues
  • Travel time on district transportation to games, events, field trips, etc.
  • All coverage details are based on the plans and options selected

Student Accident Insurance is More Important Than Ever

Parents want to know their children are safe in school, and Pupil Benefits Plan Student Accident Insurance can give you a big advantage. The fact is accidents and injuries in schools are inevitable, even though schools do everything reasonably possible to prevent them.

The rise in youth-athlete injuries has been dramatic. Students can play sports 9-10 months out of the year. The result is more strain on the body and, as research is showing, more instances of injury. The stats speak for themselves:

  • 93 percent of student athletes have some kind of injury during their careers
  • 59 percent say they’ve played while injured
  • 62 percent of organized-sports-related injuries occur during practice
  • Most common injuries: fractures, concussions, dental injuries
    Source: Rothman Institute, the National Athletic Trainers’ Association
Student injury girl walking on crutches