| Question #1: |
Why should I buy the school insurance? |
| Answer: |
Active children frequently are involved in accidents that result in costly medical treatment expense. Purchasing the school insurance policy is a cost effective way for parents to help pay doctor, hospital and other medical bills due to accidental injuries.
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| Question #2: |
Why should I buy this insurance if I already have other family insurance or coverage through my place of employment? |
| Answer: |
The school insurance program is a low cost way for parents to supplement their existing insurance policies and help pay some of the "out-of-pocket" deductibles or other medical or dental expenses not covered by your family insurance plan. The school insurance plan can blend with your family insurance policy. However, it is not designed to duplicate or replace your family insurance program. When you purchase the school insurance plan as a supplement to your other insurance programs, you must file a claim with your other primary insurance before collecting benefits from the school insurance policy.
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| Question #3: |
Who is eligible to be covered by the school insurance plan? |
| Answer: |
The school insurance plan is available only to students enrolled in the County School District in grades Kindergarten through 12th grade. The plan can also be purchased by students attending the vocational technical school and "before and after-school programs" that are sponsored and directly supervised by the County School District.
If an application is received for a person that is not eligible for coverage, the insurance company’s only obligation is to return the payment to the ineligible person applying for coverage. No claims can be paid for ineligible applicants.
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| Question #4: |
What does the school insurance plan cover? |
| Answer: |
A detailed description of the benefits, limitations, exclusions, terms and cost options are provided in a descriptive insurance brochure available from your school. Or, you can download the insurance brochure from this website. [ Download Enrollment Brochure]
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| Question #5: |
What is the difference between the 24-Hour Basic Accident Insurance Plan and the Schooltime Basic Accident Insurance Plan? |
| Answer: |
The 24-Hour Basic Accident Insurance Plan provides protection for students 24 hours a day, seven days a week, while they are at school during school sponsored and school supervised activities, and also while students are at home, on the weekends, during holidays and vacation periods in the summer months, 24-hours a day, seven days a week.
The Schooltime Basic Accident Insurance Plan provides protection only during school sponsored and school supervised classes and school funded activities during the regular school term.
Both the 24-Hour and Schooltime plans may not pay for 100% of all medical expenses. Please read the insurance brochure for a complete description of the benefits, terms and limitations of the policy.
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| Question #6: |
Does the school insurance plan cover medical expenses due to illness or sickness? |
| Answer: |
The 24-Hour Basic Accident Insurance Plan and the Schooltime Basic Accident Insurance Plan provide benefits only for covered medical expenses due to accidental bodily injury. No benefits are payable for any form of a sickness, illness or disease. However, an option to purchase in-hospital sickness coverage is available. Please read the insurance brochure for complete details of the available coverage options.
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| Question #7: |
Does the In-Hospital Sickness Benefit Option cover outpatient treatment at the hospital or visits to the doctor’s office? |
| Answer: |
The In-Hospital Sickness Benefit Option provides benefits if your child is hospitalized overnight as an inpatient due to a covered illness or disease. No benefits are available for outpatient medical expenses or visits to the doctor's office for illness, sickness or disease treatment.
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| Question #8: |
Does the Increased Dental Accident Coverage Option provide coverage for routine dental care such as cleaning and treatment of tooth decay? |
| Answer: |
The Increased Dental Accident Coverage Option covers dental treatment expense due to a covered accidental injury to a sound, natural tooth. No benefits are payable for routine dental care or other treatment expense not due to a covered accident.
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| Question #9: |
How can I obtain an insurance identification card for my child after I purchase the school insurance plan? |
| Answer: |
The insurance company does not automatically mail out identification cards to all parents of enrolled students. To obtain an identification card, write to Kidguard Insurance, P. O. Box 411216, St Louis, MO 63141, and indicate the full name of your child, the school he or she attends, and the name of the County where you reside. You must also include a self-addressed, stamped envelope along with your request for an ID card.
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| Question #10: |
Can I enroll my child in the school insurance plan by phone or on-line? |
| Answer: |
Kidguard Insurance cannot accept enrollments over the telephone, fax or online. You must mail a form to Kidguard Insurance, along with the proper payment. To enroll your child in the school insurance plan, please pick up an enrollment brochure from the school or download the enrollment brochure from this website and mail the enrollment brochure to Kidguard Insurance, along with payment for the selected plans.
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| Question #11: |
When will the policy take effect and how long will coverage continue? |
| Answer: |
Answer: Coverage for the 2007-2008 school term becomes effective at 11:59 P.M. on the postmark date of the enrollment envelope received by KidGuard or the date payment is received in the Kidguard Insurance office, whichever is the earlier date. The Schooltime Basic Accident Insurance Plan coverage terminates at 12:01 A.M. on the last day of classes for the regular 2007-2008 school term. The 24-Hour Basic Accident Insurance Plan and In-Hospital Sickness Benefit Plan policy benefits terminate at 12:01 A.M. on the first official day that school classes resume in the next 2008-2009 school term commencing in the fall. Coverage under the Schooltime Basic Accident Insurance Plan is effective only while students are participating in activities that are exclusively school sponsored, school scheduled, school supervised and school funded during the regular school term. Coverage under the 24-Hour Basic Accident Insurance Plan and the In-Hospital Sickness Benefit Plan provide continuous protection 24/7 until the policy terminates as stated above.
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| Question #12: |
Can students enroll in the school insurance plan at any time during the school year? |
| Answer: |
Yes, students can enroll at any time during the year. However, coverage does not take effect until Kidguard Insurance receives your application and payment. The termination dates of coverage stay the same as stated in the answer to Question # 11 above. So, you should enroll your child early. No discounts are available for late enrollees.
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| Question #13: |
Are injuries occurring during football practice and games covered? |
| Answer: |
Injuries that occur while practicing for and competing in interscholastic senior high tackle football for grades 9, 10, 11 or 12 are not covered. Tackle football injuries sustained by students in grades 7 or 8, would be covered by the policy in accordance with the stated policy provisions. A separate policy is available for participants in senior high tackle football. To obtain an enrollment application and details regarding senior high tackle football insurance, please contact your high school coach’s office.
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| Question #14: |
Are other school sports injuries covered by the policy? |
| Answer: |
Injuries that occur while a student is practicing for or competing in sports that are scheduled, fully funded, sponsored and supervised by the school and under the jurisdiction of the Missouri High School Athletic Association are covered by the policy, except that injuries occurring while practicing for or competing in Senior High School tackle football are not covered by the 24-Hour Basic Accident Insurance Plan or Schooltime Basic Accident Insurance Plan. Injuries during Club sports or sports that are not exclusively sponsored and funded by the school are not covered.
To obtain information regarding Senior High School tackle football coverage, please contact the high school football coach’s office. All policy benefits, terms, limitations and exclusions regarding sports coverage are listed in the school insurance enrollment brochure.
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| Question #15: |
If a student is injured during a school activity, will the school insurance plan cover all medical expenses, including visits to the doctor and hospital? |
| Answer: |
The school insurance policy may not pay for 100% of all medical expenses due to the limits of the policy as described in the student enrollment brochure. The insurance company does not have control over the amounts charged by doctors, hospitals and other medical service providers. The payment of benefits that you will receive from the school insurance policy will be based on the policy limits that are stated in the school insurance enrollment brochure. Specific benefits, policy limits, terms and provisions that effect your payment levels are explained in the school insurance enrollment brochure.
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| Question #16: |
If my son or daughter is injured, do I have to take them to a specific hospital or doctor to receive benefits under the school insurance policy? |
| Answer: |
No, you may seek medical treatment from any licensed hospital or licensed physician and be eligible to receive benefits that are covered by the school insurance policy.
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| Question #17: |
How do I file a claim? |
| Answer: |
Obtain a claim form from the school office, or you can download a claim form from the Kidguard Insurance website.[How to File a Claim] Carefully follow the instructions on the claim form and MAIL the completed claim form, along with copies of medical bills, to Kidguard Insurance, P. O. Box 411216, St Louis, MO 63141.
Please note: If you have other primary family insurance or insurance through your employer you must first file a claim with your primary insurance and then mail your claim to Kidguard Insurance along with a copy of the worksheet from your primary insurance indicating that all bills were submitted to them and what your primary insurance will pay.
If you have questions concerning claims, please contact Kidguard Insurance's office at 1-800-325-1350. Do not contact the school regarding claims issues. Please contact Kidguard Insurance. The school does not have records regarding claims.
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| Question #18: |
What is the name of the insurance company that backs the school insurance plan and is the insurance company financially sound? |
| Answer: |
The school insurance plans are insured by The Reliance Standard Life Insurance Company. The insurance company has assets in excess of $1.8 billion and has been assigned a rating of A—Excellent by an independent insurance company rating firm. All claims are processed by Kidguard Insurance, P. O. Box 411216, St Louis, MO 63141. Phone: 1-800-325-1350. Please address all inquiries to Kidguard Insurance.
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The questions and answers stated above are intended to provide a general, brief explanation of the school insurance plan. The student enrollment brochure contains a more detailed summary of all provisions and terms. The County School District will receive a master policy that contains all terms and provisions from which all claims benefits will be determined. The insurance policy contains specific definitions and terms that may not be included in this website. For answers to more specific questions, please contact Kidguard Insurance, P. O. Box 411216, St Louis, MO 63141. Phone 800-325-1350.
MISSOURI LAW requires us to inform you that: "Any person who knowingly and with intent to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony of the third degree." |
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