Intercollegiate Athletic Student Accident Insurance

Softball playerSummary of Coverage

The Intercollegiate Athletic Student Accident Insurance program is a fully-insured policy underwritten by Mutual of Omaha and serviced by Summit America. This policy 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

Seminole State College should forward all claims to Summit America using the claim forms furnished by Summit America. (Summit sends these forms to the College's athletic director each year.) Completed claim forms should be mailed to:

Summit America Insurance Services
Attn: Claims Division
7400 College Blvd., Suite 100
Overland Park, KS 66210

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

Seminole State also must forward a completed Accident-Incident Report to the Consortium, indicating that the claim form has been submitted to Summit America.

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 Summit America 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

Want more info? Contact us.

Seminole State College
100 Weldon Boulevard
Sanford, Florida 32773-6199

Seminole State General Contact Information