Protecting the health and welfare of students is a concern that all school administrators (public K-12 school districts, diocese, nursery and daycare centers, etc.) face each and every day. Student Accident Insurance helps ease those concerns by providing benefits for injuries that occur during school hours and or school-sponsored and supervised activities (i.e., athletics, gym class, playground, field trips, JROTC, etc.).
With the increasing trend of high deductible plans, and more of the cost share shifting to the insured, Student Accident Coverage has become an even greater tool to bridge the coverage gaps that are inherent in most insurance plans.
Here are some key reasons why providing Student Accident Insurance coverage can help your school:
Reduces or completely eliminates any out-of-pocket expenses not paid by primary coverage, including copays, deductibles, coinsurance, etc.
Pays on a primary basis in the absence of other collectible coverage
Helps decrease the type of claims submitted to the schools General Liability policy often resulting in reduced premiums
Institutions may be eligible for General Liability premium discounts
Shields schools from being sued as a result of student injuries
Provides protection when parents do not have health insurance
Bollinger Specialty Group, has been proudly administering Student Accident Insurance for over 70 years. We have become known as a leader in the industry with experience protecting over 36 million students since 1946.
Key program features that differentiate us in the marketplace include:
Carrier RelationshipsWe have built strong relationships with several carrier partners. As a result, we are able to provide numerous market options, which will allow you to select a program that works best both in terms of cost and plan design.
ServiceRelationships are the lifeline of our business; by not outsourcing our services, we make sure our clients receive the attention that they deserve. Our experienced team of in-house claim professionals, account managers, program administrators and underwriters are dedicated to providing you with the best possible service.
No Outsourcing of ClaimsOur claims are administered in-house to ensure a level of exceptional service. We do not outsource. There is only one place to go to have all your questions answered.
Enhanced Claim Reporting CapabilitiesWe provide our clients with monthly, bimonthly or quarterly reports. Our enhanced claim reporting capabilities serve as a great tool to assist in risk management and cost-containment efforts.
Online Access to Student Accident Claim StatusParents can easily and conveniently check the status of their childs claim from any computer or tablet, offering more control for the parents while reducing the volume of claim inquiries to district administrators.
Claims Data: Improving School Safety By Knowing Your Numbers