Student Accident Program for Charter Schools

Student Accident insurance is one of the most affordable insurance coverages in the marketplace. It protects your students from suffering loss due to any injury that occurs while participating in any school-sponsored, school-supervised activity.


A.      Coordinates with parents' primary health insurance.

B.      Pays deductibles and copays. (With the onset of the Affordable Care Act, employers are increasing the deductibles on their policies to facilitate lower premiums.)

C.      If parents have no primary coverage, student accident insurance will pay on a primary basis.

D.      May limit your liability exposure.

E.       Can cover athletic events that parents' insurance does not cover.

F.       Mandatory coverage so no rosters are needed. All students are covered.

Grades Pre-K to 12

Covered Accident Medical Expense$25,000 per injury per individual
Accidental Death and Dismemberment$20,000
Benefit Period1 year
CoinsurancePlan 1 -100% of Usual and Customary
Plan 2 - 70% of Usual and Customary

PREMIUM RATES (for all states except New York):
Premium per person per policy year

ClassEligible PersonsPlan 1Plan 2
1.PreK and K$2.90$2.25
2.Grades 1-6$5.20$4.00
3.Grades 7-8 excluding interscholastic sports$7.00$5.40
4.Grades 7-8 including interscholastic sports$10.75$8.25
5.Grades 9-12 excluding interscholastic sports$10.50$8.10
6.Grades 9-12 including interscholastic sports /no football$21.50$16.55
7.Grades 9-12 Football$110.00$84.75
9.Overnight Field Trips (per school/school year)$250.00$250.00

Minimum Policy premium $500

This is not an application for coverage. Please contact American Management Advisors Inc for questions or to apply for coverage. Call 1-888-533-7654 extension 108. Ask for Holly Grose.

Important Notice: This information is a brief description of the important benefits and features of the program provided by AXIS Insurance Company. It is not a contract. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations, and exclusions, are set forth in the policy.

This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

Payment of claims under any insurance policy issued shall only be made in full compliance with all United States economic or trade and sanction laws or regulation, including, but not limited to, sanctions, laws and regulations administered and enforced by the US Treasury Department's Office of Foreign Assets Control ("OFAC").

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