Student Accident Insurance

District Paid Coverage

WCPSS provides coverage for all students PreK-12 while at school or when participating in school activities. School-provided coverage is subject to benefit maximums (excess over the maximum is the responsibility of the parent/guardian).

• All students are enrolled automatically.
• Insurance is secondary to all other insurance coverage.
• Catastrophic coverage for athletes does not begin until expenses exceed $25,000.
• Limited secondary coverage pays on covered student accident claims after the parent’s primary health coverage has been exhausted.  If a student has no other coverage with either a commercial health insurance policy, Medicare, or Medicaid, the Student Accident Insurance then becomes the primary policy.  

Filing a Claim

Parents may file a claim for a student injury using the WCPSS HSR Claim Form. The policy is unwritten by Chubb. Instructions are attached to the claim form. 

Parent Paid Coverage (optional) 

WCPSS provides parents/students the opportunity to purchase student accident insurance at HSR K-12  student insurance  any time during the school year.  Coverage is available for 24-hours, 7-days per week for an entire year. This voluntary paid coverage applies to students outside of school or during non-school activities, which can help offset costs exceeding benefit maximums. 

• Voluntary student accident insurance is "primary" insurance, meaning it pays even if you have other medical insurance.
• While you may purchase coverage any time during the year, the cost will be the same.
• Primary coverage for your child is still recommended.

Documents

• Student Accident Insurance Coverage
• Cobertura de Seguro Contra Accidentes
• HSR Claim Form
• Formulario de Reclamación del Estudiante 
• District Paid Benefits Coverage

Questions

For questions about WCPSS voluntary insurance coverage, call the service broker:

Doug Young

President, The Young Group, Inc.

(919) 846-9798