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K12 STUDENTS


Frequently Asked Questions

    When and where will my student be covered by this
     insurance?
    Why is the school participating in this offering?
    What kind of insurance is this?
    Where do I find a copy of the master policy?
    Where can I pick up a brochure for Student Assurance
     Services' insurance plan?
    Who should consider buying this insurance?
    Is the price for the voluntary insurance premium a
     monthly payment price?
    If I purchased voluntary coverage how do I know that
     my student(s) are insured under the Student Assurance
     Services' plan?
    When does the coverage for my student(s) begin if I
     purchase voluntary coverage?
    Do you offer a discount if I am buying insurance for
     more than one student?
    Can I send in one check if I am buying coverage for
     more than one student?
    Do you offer refunds for any reason such as my student
     is leaving the district, or if I bought football coverage
     and my student didn't make the team, etc.?
    When and how can I enroll?
    If my student switches school districts, and their new
     school district doesn't use Student Assurance Services'
     insurance program can I still purchase your coverage?
    Does the student accident plan cover accidents only
     when my student(s) is at school or is there coverage
     when they are at home?
    How does the major expense option work?
    Where can I get a claim form for my child's accident?


Q. When and where will my student be covered by
      this insurance?


    The choice is yours! This Insurance offering describes
    several enrollment options designed to fit your individual
    needs. Please review this entire brochure, especially the
    coverage descriptions, before making your selections.

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Q. Why is the school participating in this offering?

    Students are particularly susceptible to accidental injury.
    Your school district does not carry insurance to pay for
    X-rays, stitches, ambulances, etc...

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Q. What kind of insurance is this?

    This is accidental bodily injury insurance; it covers
    accidental bodily injury occurring while the coverage is in
    force. Illnesses such as measles, sore throats, etc., are
    not covered.

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Q. Where do I find a copy of the master policy?

    The master policy is available at your school's district
    office.

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Q. Where can I obtain a brochure for Student
      Assurance Services' insurance plan?


    Brochures are available at your school's office. If the
    school runs out of brochures during the year; the school
    can call Student Assurance Services to order more
    brochures. Brochures are also available at this website
    under School Lookup.

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Q. Who should consider buying this insurance?

    1. All families with no health insurance.
        (A) If you have no insurance, we will be your primary
        carrier.
    2. Families with policies having deductibles or co-pays.
        (A) Most family health insurance plans contain a
        deductible or co-pay provision (often 80%-20%)
        (B) The larger the deductible or co-pay percentage,
        the more you can benefit. There is no deductible in
        our basic plan.
        (C) Families using an HSA plan.

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Q. Is the price for the voluntary insurance premium a
      monthly payment price?


    No, our premium prices are a one time annual payment.
    The price on the enrollment form is all you have to
    pay to be covered for the school year.

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Q. If I purchased voluntary coverage how do I know
      that student(s) are insured under the Student
      Assurance Services' plan?


    Your proof that your student(s) are enrolled is your
    cashed check or credit card statement that you paid the
    insurance premium.

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Q. When does the coverage for my student(s) begin if I
      purchase voluntary coverage?


    The effective date of your student's policy will be
    12:01 AM. Follows the submission of your application
    and premium.

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Q. Do you offer a discount if I am buying insurance for
      more than one student?


    No, we do not offer any discounts to multiple students.

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Q. Can I send in one check if I am buying coverage for
      more than one student?


    Yes, you can pay on one check for more than one
    student. Make sure that is clearly stated that there is
    more than one student being paid for on one check, and
    make sure that we also receive the information that we
    need on all of the children that are enrolling.

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Q. Do you offer refunds for any reason such as my
      student is leaving the district, or if I bought football
      coverage and my student didn't make the team, etc.?


    Student Assurance Services can not offer refunds for our
    plan, because it is an annual term policy, and we would
    have covered the student during the time that they were
    participating in activities at the school. Coverage will
    remain in force even if the student transfers to another
    district.

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Q. When and how can I enroll?

    ENROLL ANYTIME! It is to your advantage to enroll early.
    The premium cannot be prorated. Make check payable
    to: Student Assurance Services. Write the student's name
    on the check. Save this illustration with your insurance
    papers, you will not receive a policy or ID Card!

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Q. If my student switches school districts, and their new
      school district doesn't use Student Assurance Services'
      insurance program can I still purchase your coverage?


    No. However, if your new school district doesn't use our
    coverage they certainly can work with us in the future.

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Q. Does the student accident plan cover accidents only
      when my student(s) is at school or is there coverage
      when they are at home?


    If the 24 hour coverage plan is chosen the student(s)
    are covered when they are at home as well.

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Q. How does the major expense option work?

    If your student incurs a major injury costing you
    thousands of dollars, the Major Expense option allows us
    to continue to help with medical payments if any of the
    basic benefits are exhausted. There is a deductible for
    the Major Expense Benefit.

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Q. Where can I get a claim form for my child's accident?

    Claim forms are available at your school. If the school
    needs to order more they can call Student Assurance
    Services and we will send them out immediately. You can
    also download a claim form. However, a school official
    may need to complete part of the form.

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These are the questions we hear the most. Please call us toll free at 1-800-328-2739, from 8 a.m. to 4:30 p.m. CST, if you don't find the information you need here.

 
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