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Coverage Options

Here is a brief overview of the types of insurance protection offered. To obtain a complete description, please obtain an enrollment brochure from your school or by downloading an enrollment brochure from this website.

Option 1 24 HOUR BASIC ACCIDENT INSURANCE PLAN:
This plan provides protection for medical expense due to accidents during school sponsored and school supervised activities during the regular school term and also while at home, on the weekends, holidays, during the summer months, 24 hours a day, 7 days a week. Please read the enrollment brochure for a complete summary of all the benefits, terms, provisions, limitations and exclusions of the policy.
(This policy does not cover Senior High School tackle football accidents. You can obtain information about a separate policy that covers Senior High School tackle football from the football coach's office).

Option 2 SCHOOL TIME BASIC ACCIDENT INSURANCE PLAN:
This plan provides protection for medical expense due to accidents that occur only during the regular school term while students are attending school and participating in activities that are exclusively school sponsored, school scheduled, school supervised and school funded.
Coverage does not extend to weekends, vacations, or summer months. (To obtain coverage during weekends, vacations and summer months you need to purchase Option 1, The 24 Hour Basic Accident Insurance Plan ). Please read the enrollment brochure for a complete summary of all the benefits, terms, provisions, limitations and exclusions of the policy.
Option 2 does not cover 9th, 10th, 11th or 12th grade Senior High School Tackle Football practices, games or football conditioning and summer camps. You can obtain information about a separate policy for Senior High School tackle football from the football coach's office.

Option 3 INCREASED DENTAL ACCIDENT COVERAGE OPTION:
To be eligible to purchase this option you must also purchase either Option 1 or Option 2 as outlined above.
The Increased Dental Accident Coverage Option provides additional benefits for dental expenses due to injuries to natural teeth as a direct result of a covered accident.
(This option does not include coverage for routine dental care or treatment for dental disease or tooth decay. This benefit is payable for dental treatment made necessary due directly to a covered accident.)

Option 4 IN-HOSPITAL SICKNESS BENEFIT OPTION:
To be eligible to purchase this option you must also purchase either Option 1 or Option 2 as outlined above.
This option provides payment of benefits if your child is hospitalized overnight due to a covered sickness or illness.
Options 1, 2 and 3 pay for eligible medical expense due to accidental injuries. Options 1,2 and 3 do not pay any benefits for treatment expenses due to illness or disease. The Option 4, In- Hospital Sickness Benefit Option, is designed to pay benefits if your child is hospitalized due to a covered illness or disease.
Cost for the In-Hospital Sickness Option is only $38.00 for up to one year of coverage.
Please read the enrollment brochure for a complete summary of all benefits, terms, provisions, limitations and exclusions of the policy.
 
 
  Copyrighr 2006 KidGuard Insurance