Education
Student Accident Plans offer peace of mind
As a school administrator, you are entrusted with the safety and well-being of your students. One critical aspect of this responsibility is ensuring that adequate insurance coverage is in place to protect students in the event of accidents or injuries.
As you navigate this essential aspect of school management, Christian Brothers Risk Management Services is here to support you with our comprehensive Student Accident Plan, addressing your needs and offering peace of mind.
Accidents can happen anywhere, including within the school premises or during school-sponsored/school supervised events. Sports contribute to the largest number of school-related injuries. A study by Stanford Medicine reveals that around 30 million children and teenagers participate in organized sports in the U.S., resulting in over 3.5 million injuries annually. More than 775,000 children aged 14 and under receive treatment in hospital emergency rooms for sports-related injuries each year. Most of these injuries result from falls, being struck by objects, and collisions.
Sports injuries can happen in both school-sponsored sports and in gym classes, but as any school administrator knows, accidents can occur anywhere from the school bus to the playground, and even in the classroom. These statistics emphasize the urgent need for comprehensive accident coverage for students.
According to the American Journal of Public Health, annually, 1 in 14 students suffers a medically attended or temporarily disabling injury at school. These injuries result in $3.2 billion in medical spending.
When a school invests in insurance for student injuries occurring at school or during school-related activities, it serves a dual purpose. First, it shields parents from potential financial hardships that may arise from medical expenses. Second, it gives school administrators peace of mind, as they know all students are covered for their medical needs, regardless of their families’ insurance status. Importantly, no student should be denied medical treatment due to lack of insurance coverage.
Contact Annaisse Martinez today at 800.807.0300 or via email to learn more about our Student Accident Plan and how we can support your school's safety initiatives.
At Christian Brothers Risk Management Services, we understand the challenges and responsibilities that come with managing student safety. We designed our Student Accident Plan to ease the financial burdens placed on parents or guardians for out-of-pocket medical expenses incurred when a child is injured at school. Here is what our plan offers:
Tailored Coverage OptionsSchools can choose from four comprehensive coverage plans:
Classroom only
Classroom & Limited Sports – excludes football, hockey, and lacrosse.
Classroom & All Sports
Boarding Students
Extensive CoverageOur plan covers a wide range of scenarios, including:
Classroom activities during regular school hours.
Travel to and from school on regular days.
Participation in school sponsored/school supervised religious activities or retreats, including travel.
Involvement in school-sponsored/school supervised summer programs.
Medical Benefits and Limitations
Coverage for eligible medical expenses resulting from accidents during covered activities, with treatment sought within 30 days of the incident.
Coverage is included up to the usual, reasonable, and customary charges for eligible medical care expenses incurred as the result of an accident during a covered activity.
In cases of catastrophic accidents, our plan offers a maximum coverage of $6,000,000 per accident, provided the first expense is incurred within 26 weeks after the accident.
No benefits are paid for loss due to sickness or disease.
By choosing Christian Brothers Risk Management Services for your Student Accident Plan you demonstrate a commitment to the well-being of your students and their families.
Our expertise, tailored plans, and commitment to prompt assistance make us your trusted partner in risk management. Let's work together to protect your students and provide a secure learning environment.
