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 R
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 and dismemberment benefits
➤ Deferred dental max $25,000, benefits continue to 90 days after HS graduation
➤ Glasses and contacts coverage
➤ Chiropractic and physiotherapy
➤ Easy claims submission, prompt payments
* 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.
School Injuries are on the Rise
In-School Coverage
- School sports games, practice, training
Football, basketball, baseball, wrestling, soccer, track and field, lacrosse, volleyball, cheerleading, hockey, rugby, field hockey, tennis, swimming and diving, gymnastic, 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
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