Student Accident Insurance

Gallagher Student Health & Special Risk offers customized insurance products for K-12 Schools, Districts, and other eligible organizations that need coverage for students and volunteers during school-sponsored and supervised activities, including athletics and field trips.

Plans are designed to offer payment for medical expenses incurred as a result of an unexpected accident. #

These products are ideal for private schools, school districts, religious & nonprofit organizations, athletic departments, camps, clinics, special events, licensed daycares and preschools.
Gallagher Student Health & Special Risk's Blanket Student or Participant Accident Insurance Plans can provide maximum benefits at affordable premium levels. Plans are designed to offer payment for medical expenses incurred as a result of an unexpected accident.

Why offer a Blanket Accident Insurance Plan?

  • All eligible persons are covered, no rosters are required
  • Protects individuals and families from the medical costs associated with accidental injuries
  • Provides a safety net of coverage when parents do not have health insurance
  • Supplemental accident insurance can combat the type of claims submitted to the Institution's General Liability Insurance Policy
  • Blanket Accident Plans are not required to adhere to Affordable Coverage Act (ACA) coverage limits

Highlights of the Program

  • Choice of medical limits
  • 24-hour coverage or school-time only coverage
  • First-dollar coverage with zero deductible
  • Covers 100% of usual and customary charges
  • High accidental death & dismemberment benefit limits
  • Field Trip/Special Event coverage
  • Lifetime Catastrophic Accident Medical coverage
  • Full Excess or Primary coverage
  • Voluntary Student Accident coverage
  • Compliance with state mandates

Benefits to Your Institution

  • No rosters required for mandatory plans
  • Complete account management services to make the insurance process simple and seamless for your organization
  • Superior claims service, including toll-free customer service number and online claims status
  • Quarterly claims utilization reports
  • Customized insurance plans to meet the needs of your Institution
  • Ability to offer either a fully-insured program or self-insured retention program
  • Protection to the General Liability Policy