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Frequently Asked Questions |
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| Q: What are supervised and sponsored activities? |
| A: These are activities or events that schools, teachers and volunteers participate in. They can be educational, recreational, athletic, and spiritual in nature. They are planned throughout the year and are activities that are sponsored and supervised by the school. Overnight Field Trips are covered only if the additional premium is paid. |
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| Q: Who is covered? |
| A: Students and individuals identified by and on record of the school as being a part of the activities covered and if premium is received for them. |
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| Q: What is Excess (or Secondary) Accident Medical Coverage? |
| A: This means that the policy pays after any other insurance is payable. If no other insurance is available this policy becomes Primary and pays the claims without Deductibles. Also if there is other coverage this plan would pay out of pocket expenses such as Deductibles and Co-insurance. |
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| Q: Is travel in my personal auto covered under the Accident Medical policy? |
| A: There is coverage under the Base Student Accident Medical Policy, on an Excess basis, when traveling to or from a sponsored activity. Under the Catastrophic Accident Policy, only travel that is paid for or reimbursed by the school is covered. |
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| Q: Who pays the claims? |
| A: Claims are paid by K&K Insurance. |
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| Q: How are students and volunteers added or deleted to these plans? |
| A: The insurance companies have assumed in their pricing that the number of students and volunteers shown on the application will remain constant throughout the policy term. No additional premium or refunds will be made during the policy term. If your enrollment figures do change by more than 10%, we ask that you please notify us in writing. |
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| Q: Will we receive a copy of the Policies? |
| A: Yes. Each school will receive a Master Policy which includes all details of the coverage chosen. The Student Accident's Effective Date of coverage will be shown on the letter that is sent with the policy documents. |
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| Q: Are athletics covered under this plan? |
| A: Yes. All sports are covered if this option is chosen and premium is paid. |
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| Q: How often do I pay the premiums? |
| A: Premium is paid once a year after receipt of an invoice or through direct purchase online. |
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| Q: Why do we need this type of coverage? |
| A: In today's litigious society, every organization is vulnerable to lawsuits. Base Student Accident Insurance provides valuable protection for the students, and also serves as a buffer to protect the organization's General Liability limits for catastrophic losses. |
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