Student Accident Insurance
The Downingtown Area School District Board of Directors makes available a Student Accident Insurance Program to all students. The program is underwritten by United States Fire Insurance Company through A.G. Administrators LLC.
Enrollment in this insurance plan is purely voluntary on your part; however, it does provide protection for your child at a reasonable cost. This plan features up to $250,000 of accidental medical expenses and provides benefits for a period of one year – see brochure below for more specific details. There is a $2,500 benefit included for accidental death. Please note that there is no school medical protection for those families who reject this coverage. The School District does not carry medical insurance for students.
It is important for all parents to read carefully the terms and conditions stated in the insurance policy before a decision to purchase the insurance is made. You will note that certain benefits have defined limits.
The School District will not be responsible for any claims above the limits outlined in the policy. In other words, this policy may not pay 100% of all costs. It is extremely important that parents understand the exclusions and benefits offered under this program.
Parents should print, complete and sign the brochure application designating the desired coverage, enclose correct premium and mail directly to the insurance company. There must be a separate application for each child and a separate check or money order. DO NOT SEND CASH. Your canceled check or money order will be your receipt.
24 Hour Coverage (Accident Only) - $124.00
This plan provides around the clock coverage to your child 24 Hours a day, while he or she is in school, at home or away. Coverage is provided from the effective date of the insured student’s coverage for which premium has been received by A‐G to the opening of the next school term. Excludes all interscholastic sports.
School Time Coverage (Accident Only) - $28.00
This plan provides coverage to your child while he or she is on school premises, during school hours/days, attending school sponsored and supervised activities including travel directly without interruption between the student’s residence and school/activity with transportation furnished by the school. Coverage is provided from the effective date of the insured student’s coverage for which premium has been received by A‐G to the end of the regular school term. Excludes all interscholastic sports.