Voluntary Student Accident Insurance Coverage
The Sartell-St Stephen School District works hard to provide a safe environment for our students, but accidents do happen. The District has business liability coverage, but does not provide student accident insurance. Regular activities create opportunities for an accident with potential for injury.
As a service to our students and their families, the District offers the opportunity to purchase low-cost student accident insurance at a nominal cost.
This voluntary insurance can help with large deductibles and co-pays under family health insurance or provide primary coverage for accidents if other health insurance is not available. School-Time accident insurance protection covers students while they participate in or attend activities that are organized, sponsored and supervised by the school, including athletics. Football is excluded from the policy, but coverage for football can be purchased separately. Please see the benefit coverage brochure for a full list of exclusions.
- School-Time accident insurance covers all school-sponsored and supervised activities and time spent in school.
- 24 hour accident insurance provides coverage through an entire year effective from date of enrollment, which includes up through the end of summer of the year enrolled.
- Alternate Sports Coverage – special sports coverage for football players is also available, which covers a football player from the state of summer practice through the end of the season. The athletic insurance policy provides benefits for medial expenses incurred through sports participation. If you have other insurance, the benefits will be applied to your deductible or co-pay.
There are three levels of benefits for each plan – Gold, Silver, and Bronze.
This coverage is not automatic – students must complete and enrollment application form and make a payment.
Insurance information, costs, benefit coverage and applications is available at: www.k12specialmarkets.com.