Student Accident Insurance

The policy will provide benefits in addition to and regardless of other collectible insurance. See other parts of this information for limitations and exclusions. No deductible applies to this policy.

Benefits for Regular Plan*

Doctor-Hospital-Dental Expenses

• ·       DOCTOR VISITS IN OFFICE OR HOSPITAL – Pays up to $15.00 for the initial physician’s visit; up to $10.00 for each necessary follow-up hospital or office visit.
• ·       SURGERY – Pays 60% of the “usual and customary” (as defined below) physician’s expenses up to an aggregate maximum of $1,000.00 per injury.
• ·       INPATIENT HOSPITAL SERVICE – Pays up to an aggregate maximum of $150.00 per day.
• ·       HOSPITAL OUTPATIENT SERVICES – When not confined in a hospital, services rendered by and within a hospital shall be covered to a maximum of $60.00 per injury, which includes all visits to the hospital for the same injury.
• ·       X-RAY SERVICES – Pays up to $10.00 per x-ray not to exceed 4 x-rays per injury, including reading. (When rendered by doctor or hospital as outpatient).
• ·       AMBULANCE– To and from the hospital, benefits shall not exceed $25.00 per injury.
• ·       DENTAL TREATMENT - $100.00 per tooth for repair or replacement of each injured sound natural tooth. See optional extended dental benefits outlined in this brochure.
• ·       PHYSIOTHERAPY, DIATHERMY, OR SIMILAR TREATMENT – Diathermy, ultrasonic, whirlpool or heat treatments, adjustment, manipulation, massage or any form of physical therapy and/or office visit connected therewith, expenses shall not exceed $10.00 per visit not to exceed 5 visits.
• ·       MOTOR VEHICLE – Benefits shall not exceed $500.00 per accident – two or three wheeled motor vehicle injuries not covered. See Exclusions 7 and 11.
• ·       CASTS & BRACES – Pays up to $25.00 per injury when prescribed and necessitated in conjunction with a covered accident.
• ·       EYEGLASSES REPLACEMENT – Pays up to $25.00 per injury when prescribed and necessitated in conjunction with a covered accident.

When injury covered by this policy results in treatment by a Licensed Physician within 30 days from the date of injury, the company will pay the usual and customary expenses for the services and supplies as listed above actually incurred within one year from the date of injury to a maximum of $100,000 per injury for the 24-Hour Plans and a maximum of $25,000 per injury for the School Time Only Plans. “Injury” means loss resulting from accidental bodily injury caused directly by an accident, independent of other causes sustained while the policy was in force. The “usual and customary” charges shall be the allowable charges as set forth in the Revised California Relative Value Studies using a $100.00 per unit conversion factor for surgery. Benefits for assistant surgeon’s fees and anesthetist’s fees shall be limited to 25% of the allowable surgery benefit.

RETAIN THIS DESCRIPTION OF COVERAGE FOR YOUR RECORDS. This is a brief description of the plan benefits. The exact provisions governing the insurance are contained in the master policy FORM LRS-8975et al, issued to the Policyholder by Reliance Standard Life Insurance Co. A sample policy is available upon request to the Administrator. Any provision of the policy or the brochure which is in conflict with the statutes of the state in which the policy is issued, will be administered to conform with the requirements of the state statutes. Keep your cancelled check or money order receipt as evidence of payment. This insurance has scheduled benefits.

LIMITATIONS and EXCLUSIONS

The plans do not cover the following:

Treatment expense due to:

1.     The practice or play for interscholastic football including travel to or from such practice (a) if the student is enrolled in the 10^th, 11^th, or 12^th grades, or (b) if the student is enrolled in the 9^th or lower grade and is participating in practice or play with students enrolled in the 10^th, 11^th, or 12^th grades unless the premium for such coverage has been paid.

2.     Contact lenses or hearing aids; damage to the other whole, sound, vital and natural teeth or to existing dental bridges, crowns, restorations or braces; orthodontic procedures and services; drugs, injections, miscellaneous supplies and medications except while hospital confined.

3.     Boils, athlete’s foot. impetigo or similar skin infection, rashes, poisonous vegetation reactions, warts, blisters, calluses, cramps, muscle spasms, allergies or allergic reactions, ingrown nails, appendicitis, hernia of any kind, however caused; infections occurring other than as a result of such injury; detached retina; or psychiatric care.

4.     Any form of illness, sickness, or disease including but not limited to the following: Perthes’ Disease, Osgood-Schlatter’s Disease, Osteomyelitis, Osteochondritis, Osteogenesis Imperfecta, Slipped Capital Femoral Epiphysis, Thrombophlebitis, Hysterical Reactions, or similar conditions.

5.     Fighting and Brawling; any form of criminal or felonious assault or the insured’s being engaged in an illegal occupation.

6.     Services or treatment rendered as a part of the school service by a hospital, physician, or person employed or retained by the Sponsor, or by a person related to the Covered Person by blood or marriage.

7.     Riding in or on, being struck by, being towed by, boarding or slighting from, or operating any motorized or engine driven vehicle; provided, however, that eligible medical expenses not collectible from other valid coverage will be payable up to $500.00 in the aggregate.

8.     Intentionally self-inflicted injury. War or act of any war.

9.     Injuries sustained by a Covered Person hereunder for which benefits are payable under any Workmen’s Compensation or Employer Liability Laws, or while engaging in activity for monetary gain from sources other than the school.

10.   Aviation in any form except while the Covered Person is riding as a passenger in a licensed airplane provided by an incorporate passenger carrier on a regularly scheduled passenger flight and route.

11.   Riding in or on, being struck by, being towed by, boarding or alighting from, or operating any snowmobile or two or three wheeled motor vehicle.

12.   The use of or while under the influence of drugs or intoxicants unless administered as prescribed by a physician.

13.   The existence or aggravation of physical or mental infirmity, condition or disease, whether infectious, congenital, secondary or acquired in origin. Conditions or the aggravation of conditions that originated prior to the insured person’s coverage under the policy.

14.   Expense resulting from participating in activities for which benefits would be payable, in the absence of this insurance, under any high school or association catastrophe sports accident policy is expressly excluded from coverage under the policy.

ADDRESS INQUIRIES AND CLAIMS TO ADMINISTRATOR:

SCHOLASTIC INSURORS, INC.

P.O. BOX 3194

JOHNSON CITY, TN 37602-3194

(423)928-7381

INSURED BY:

RELIANCE STANDARD LIFE

INSURANCE COMPANY

2001 Market Street, Suite 1500

Philadelphia, PA 19103

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS:

Occurring within 180 days from date of accident. The policy pay the eligible medical expense or largest applicable amount set forth below, whichever is greater.

Accidental Death - $1,000.00

Accidental Loss of Both Hands, Feet or Eyes - $10,000.00

One hand and One Foot $5,000.00

Either Hand or Foot - $3,750.00

Sight of One Eye - $1,000.00

Retain this description of coverage for your records. This is a brief description of the plan benefits. The exact provisions governing the insurance are contained in the master policy.