Accident or Gap Medical Insurance is Supplemental Coverage
Accident Medical Insurance is a smart option for families with or without primary health insurance and you do not need primary health insurance to purchase the coverage.
This insurance will reimburse you up to the $2,000 or $5,000 (depending on the policy that was purchased) for any out-of-pocket medical expense incurred if your participant is injured while participating in the registered activity. The insurance has no deductible or copay, so policyholders can easily be reimbursed for medical bills (up to the policy limit) without dipping into their personal or health savings account.
If your program does require medical insurance for participation, we recommend you consult with your school or the organization administrator about their medical insurance requirement.