PROTECTION FOR THE UNEXPECTED

K-12 Student Accident Plans

As health insurance premiums and deductibles consistently increase, many institutions consider student accident plans to defray costs and potential institutional liability.

A-G Administrators offers an array of customized insurance products to K-12 institutions developing comprehensive student accident plans.

Mandatory Accident Plans

Many institutions can limit their risk exposure by implementing a mandatory accident plan wherein parents purchase policies.

These plans are typically excess plans meaning, benefits are paid secondarily to any personal insurance that a student possesses. Limiting out-of-pocket expenses a student or his/her family may incur from the result of an accident on campus is certainly a proactive step in minimizing the risk of litigation that could result from an unfortunate situation.

Compulsory Plans

Schools that require compulsory insurance plans, where the institution purchases policies, will benefit from A-G Administrators’ experience in the marketplace and our streamlined process in creating a custom plan. Compulsory insurance plans provide benefits for injuries sustained during the hours and days when school is in session and while students are attending or participating in school-sponsored and supervised activities on and off school premises.

Compulsory policies can also cover:
  • Participating in interscholastic sports, including football
  • Traveling to and from school and school-sponsored activities

Voluntary Plans

24-Hour Accident Insurance

A-G Administrators offers insurance through institutions that provides twenty-four hour student coverage. Voluntary student plans generally cover everything compulsory plans do and provide benefits for covered injuries around the clock and throughout the year including weekends, vacations and summers.

24-Hour Accident Insurance

Provides benefits for covered injuries sustained during the hours and days when school is in session and while students are attending or participating in school-sponsored and supervised activities on or off school premises.

School time accident medical also covers:
  • Participating in interscholastic sports, including football
  • Traveling to and from school and school-sponsored activities

Interscholastic Sports Plans

A-G Administrators’ interscholastic sports policies provides benefits for covered injuries sustained during try-outs, pre-season, regular season and post-season play, travel to and from games and practices.

Catastrophic Injury Plans

Up to $5,000,000 in Catastrophic Accident Insurance for K-12 Students and Student Athletes- Catastrophic Cash Benefit up to $500,000 Per Covered Accident, if a covered person suffers paralysis, coma, or brain death as a result of a covered accident, a catastrophic cash benefit will be paid in accordance with the option you select and in addition to the medical expense benefits.

Create Your Program:

Choose up to $5,000,000 in excess accident medical expense benefit for covered accidental injuries with a ten year benefit period or $1,000,000 with a lifetime benefit. K-12 catastrophic programs have a $25,000 deductible. Benefits paid under the base plan are applied to the deductible of the catastrophic plan. The first eligible expense must be incurred within 26 weeks of the date of the covered accident. The deductible must be satisfied within two years of the date of the accident. Once the deductible is satisfied, benefits will be payable for usual, reasonable and customary charges for eligible medical expenses in excess of those paid by any other health care plan up to the maximum benefit amount and benefit period chosen.

Our experienced staff will assist you in determining the right solution for your campus.

For the past ten years, I have had the pleasure of working closely with A-G Administrators as they provide stellar service for the District’s student sports insurance needs.They understand the value of providing outstanding products that are competitively priced, benefiting a school budget that relies heavily on local funds. As a local, multi-generation family business, they have consistently provided reliable and committed service while working with our families to deliver the best possible outcome in their time of need.

Arthur J. McDonnell

Business Manager

Tredyffrin Easttown School District

Achieve Greatness!

The time is NOW for you to partner with the undisputed sports insurance leader.

ACHIEVE GREATNESS!™

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!

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