Participant accident insurance from A-G Administrators pays in addition to primary health insurance when accidental injuries happen at school.
Health insurance is no one’s favorite subject. But when it comes to your school district and your students’ accidental injuries, you may find yourself diving headfirst into the murky, confusing waters of primary vs. secondary insurance—while also dealing with deductibles, out-of-pocket expenses, co-payments, coordination of benefits, school district liability, and more. So here are a few quick tips to get you back on dry land fast with participant accident insurance.
Participant accident insurance is a plan that pays a cash benefit when the insured (in this case, a student) is injured in an accident. The money helps pay medical bills.
Participant accident insurance is generally a very affordable plan, unlike a primary health plan.
This coverage can be used in two scenarios when an accident—like twisted ankles, bumped heads, cuts, bruises, burns, or something more serious—happens while students are in your care.
Whether it’s used as secondary coverage or its benefits help provide some repayment if there is no primary coverage, participant accident coverage can fill a financial gap in case of student injury.
We never plan for accidents to happen, but statistics show they occur despite our best intentions: an estimated 2.2 million children ages 14 and under sustain school-related injuries each year.
Parents want assurance that injuries aren’t the result of dangerous conditions on the school campus or the negligence of teachers or others responsible for their child’s care. Although not the only consideration, an accident plan that removes all or part of a financial burden may lessen the knee-jerk reaction of suing the school district for damages, saving you from expensive and lengthy litigation.
Yes. But while all pay benefits for injuries, the way they are offered vary. The most common types of participant accident insurance are:
Accident insurance plans are also available to cover interscholastic sports and catastrophic incidents.
A-G Administrators has been a leading presence in the student accident medical expense field for nearly 40 years. We know the ins and outs of primary vs. secondary coverages and can navigate the coordination of benefits with ease. We can even use our more than 40+ nationwide provider networks to help control costs. Over 3,200 K-12 schools and 675 colleges and universities trust us to protect them and make their lives easier. It’s a trust we don’t take lightly, and we work every day to make it even stronger.
If you’d like to learn more about participant accident insurance, we’d love to talk about your options and what’s best for your school. And we promise to clear up any confusion or questions about primary and secondary coverages and all they entail.
We look forward to speaking with you soon.
Valley Forge, PA USA
Ph: (610) 933-0800
Fx: (610) 933-4122
Office Hours: M-F 8:30am-6pm EST
A-G has the experience to offer the best custom coverage for every program and the best customer service to ensure a worry-free process for every claim. The nation’s most competitive K-12, collegiate and youth programs Achieve Greatness with A-G!