Intercollegiate Athletic Student Accident Insurance

Summary of Coverage

The Intercollegiate Athletic Student Accident Insurance program provides coverage for student-athletes, student managers, student trainers, student coaches and student cheerleaders for bodily injuries sustained while participating in athletic competitions that are authorized, sanctioned or scheduled by the College for approved sporting programs. This includes College-supervised practices, game-related activities, off-season conditioning and related, covered travel.

Coverage also extends to prospective athletes (same benefits and limits as regular student-athletes) and their named chaperon(s) (up to $10,000) while they are visiting the College or any facility to which they are invited by a College official.

Claims are paid in excess of any other available insurance. If the student-athlete does not have his or her own medical insurance, the policy pays on a primary basis.

Coverage Types

Basic Policy

Student-athletes must incur medical expenses within 90 days of injury for the Basic Policy to respond.

The Basic Policy provides the following limits:

• Accidental medical expenses per incident: $25,000
• Accidental death and dismemberment (AD&D): $10,000
• Aggregate limit of liability (all colleges): $5 million (AD&D only)
• Benefit period: 104 Weeks

Catastrophic Policy

Student-athletes must incur medical expenses of $25,000 or more within 24 months from the date of injury for the Catastrophic Policy to respond.

The Catastrophic Policy provides the following limits:

• Policy limit: $5 million
• Deductible: $25,000
• Benefit period: Lifetime

Reporting Claims

Claims must be reported within 30 days of injury to meet policy provisions.

ALL INCIDENTS, whether seeking medical attention or not need to be reported

1. File an accident/incident report by calling campus safety and security at the following numbers:
   • Altamonte Springs Campus: 407.404.6100
   • Heathrow Campus: 407.708.4410
   • Oviedo Campus: 407.971.5020
   • Sanford/Lake Mary Campus: 407.708.2178
2. The injured student and coach (signature) must submit an athletic injury claim form within 30 days of injury to comply with policy provisions.
3. The completed claim form and incident report are sent to Risk Management
4. Risk Management submits to the consortium who submits to the carrier
5. The carrier emails student confirmation of receipt of claim and directly corresponds with the student regarding any medical bills/unpaid claim
   
   The student is responsible for submitting all related medical bills that he or she incurs as a result of the injury, as well as any other supporting documentation.

Please note: Student-athletes who have other available insurance must file with their primary insurance company first. Their Explanation of Benefits (EOB) should then be sent to our insurance carrier to handle the claim. Please advise your student-athletes accordingly.

Example of Claim

• Student-athlete tears her rotator cuff while playing in a softball game for the College