School Insurance of Florida

Insuring Florida's kids for over 40 years.

Friday 22nd of September 2023 04:27 AM

Affordable Insurance Protection!

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Charlotte County Public Schools

Benefits Exclusions Provisions

The Certificate of Insurance summarizes the policy provisions and benefits. This policy will not pay 100% of all incurred medical expenses. Policy limits and exclusions apply. Policy benefits are payable, subject to the limits specified on the front page, for accidental bodily injury resulting from a covered accident. The company will pay the reasonable cost of covered eligible medical charges not to exceed the maximum benefits listed in the policy (summarized in this website). The maximum benefit payable for any one covered accident is $25,000. First medical treatment by a licensed physician or dentist for a covered condition must be obtained within thirty-five (35) days from the original date of the covered injury or condition to be eligible for policy benefits. The company will pay for covered medical charges for treatment and care rendered within 52 weeks after the date of a covered accident or condition. For information about the Extended 24 Hour coverage, please click on 'IMPORTANT LINKS' above


“Covered Accident” means bodily injury of the insured that results directly and independently of all other causes from a covered accident occurring while the policy is in force. Self-inflicted injuries caused by prolonged over exertion, stress or strain, or disease process or aggravation of an existing condition is expressly excluded from coverage under the accident policy. “Covered Charges” means reasonable charges which are not in excess of usual and customary charges; not in excess of the maximum benefit amount payable for services specified below; services and supplies which are not excluded from coverage; and services and supplies which are a medical necessity for treatment of the covered accident. "Preexisting Condition" means any physical condition for which the existence of symptoms would cause a normally prudent person to seek medical care or advice. Physical condition includes any complication or residual of a prior illness, condition or disease the person was advised or treated for in the six (6) months before the effective date of the Insured’s coverage under the policy. “Sickness” means an illness or disease for which symptoms first originate and for which medical treatment is rendered by a physician while this Endorsement is in force. All related conditions and recurrent symptoms of the same or a similar condition will be considered one sickness. “Hospital” means a licensed or properly accredited general hospital which is open at all times and operated primarily and continuously for the treatment of and surgery for sick and injured persons as inpatients under the supervision of one (1) or more legally qualified physicians available at all times with continuous, twenty-four (24) hour nursing services by Registered Nurses on duty or call. “Hospital” does not mean a facility that is primarily a clinic, nursing, rest or convalescent home, or an institution specializing in or primarily treating mental or nervous disorders, alcoholics or drug addicts. “At-School Accident Coverage” applies while a covered person is in attendance at the school during the hours and on the days that school is in session; participating in activities, except as a spectator, which are exclusively school-funded, school-sponsored, school-supervised and scheduled by the school on or away from school premises, during or after school hours or school-sponsored religious instruction; traveling, by bus, directly and without interruption to or from the covered person’s residence and the school for regular school sessions or such travel time as is required, however, not to exceed one (1) hour before the regular school classes begin and not more than one (1) hour after school is dismissed; while a covered person is participating in a school-scheduled, school-sanctioned interscholastic sports practice or competition at or away from school premises. “24-Hour Accident Coverage” extends coverage to twenty-four (24) hours per day while a covered person is at home, school or on vacation. Under the 24-hour coverage plan, the same benefits, limitations and exclusions of the “At-School Coverage” plan will apply. No benefits are payable for injuries while practicing for or participating in 9th, 10th, 11th and 12th grade tackle football during offseason or summer. Additional policy terms and provisions apply which are stated in the Master Blanket Accident Insurance Policy issued to the school district. “Effects of Other Coverage” means the insurance coverage provided under the policy shall be “EXCESS” to any other collectible insurance or plans, including but not limited to auto P.I.P. and auto medical payments, HMOs or PPOs, subject to limits stated in the policy when total charges for treatment of a covered accident are in excess of $250.00. Third party subrogation rights are reserved. Total payments by all insurance plans, including HMOs or PPOs, shall never exceed the total medical expenses incurred.


Deductible: None
Maximum Policy Limit, Per Covered Accident: $25,000
Accidental Death: $3,000
Inpatient Hospital and Misc. Charges: $1,000 per day
Outpatient ‘Same Day Surgery’ Hospital or Surgi-Center Charges: $2,500
Emergency Room Charge (eligible within 72 Hours of an accident): $350
Doctor/Office Visits (non-surgical) - One office visit paid per day: $50 initial visit; follow-up @ $40; Physician Asst: $30 per visit; RNP: $20
Orthopedic Appliances: Up to $350
X-Rays/Radiology (Including reading fees): Up to $250
MRI \ CAT or other Scans (including reading fees): $425 aggregate
Primary Surgeon Benefit: 2012 Florida Work Comp - Part A
Assistant Surgeon (Licensed MD): 20% of Allowable Surgeons Benefit
Surgical Implantable Devices: Up to $250
Anesthesiologist Services or CRNA – one per surgical visit (Based on Work Comp Fee Schedule): Up to 25% of the allowable primary surgeon benefits, Maximum $400 aggregate; CRNA Up To $175
Prescribed Drugs and Lab Testing: $50
Outpatient Physical Therapy: 10 visits @ $35
Ambulance (air or ground): $500
Dental Injury: $500 per injured tooth
Motor Vehicle Related Accident: $2,500


1. Participation in organized classes, practices or competitions in boxing, wrestling, self-defense, or martial arts, including but not limited to Karate, Aikido, Tae Kwon Do, Jujitsu, Kung Fu, kickboxing or weapons training unless the organized program is exclusively sponsored, funded, and scheduled by the Member school district Board of Education to which the Policy is issued, and directly supervised by a Member school employee.
2. Damage to other than whole, sound, vital and natural teeth or to existing dental bridges, crowns, restorations or braces; orthodontic procedure and services. Treatment for injury or fracture of tooth caused either by decay, infection or the breakdown of a dental restoration.
3. Pathological stress fractures, 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. Any form of fighting or brawling or criminal or felonious assault or the Insured being engaged in an illegal occupation. Intentionally self-inflicted injury.
6. Services or treatment rendered as a part of the member school service by a hospital, physician, person employed or retained by the member, or by a person related to the Insured by blood or marriage.
7. Riding in or on, being struck by, being towed by, boarding or alighting from, or operating any motorized or engine-driven vehicle. Eligible medical expenses not collectible from other valid coverage will be payable up to $2,500.00.
8. War or any act of war (raids by air, land or sea shall be deemed act of war), civil disobedience, plots or insurrection.
9. Injuries sustained by the Insured for which benefits are payable under any Workers’ Compensation or Employer Liability Laws, or while engaging in activity for monetary gain from sources other than the Member.
10. Aviation in any form except while the Insured is riding as a passenger in a licensed airplane provided by an incorporated 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, all-terrain vehicle, or two (2) or three (3) wheeled motor vehicle.
12. The use of or while under the influence of drugs 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’s Effective Date.
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-sponsored catastrophe sports accident policy or trust fund is expressly excluded from coverage.
15. Snow skiing, snow tubing, snowboarding, water skiing, wake boarding, surf boarding, hydrosliding, jet skiing or using any “personal watercraft” as defined by Florida statutes. Injury as a result of skate boarding.
16. Injury as a result of non-traumatic, repetitive, overuse syndrome in excess of a maximum aggregate policy limit of $0.00.
17. Any expense for which a benefit is not listed.
18. Participation in any sports camps, clinics, or league practices or competitions organized by a college, private entity, or associations.

This Policy is “Excess Coverage” which means if you have other insurance, an HMO or PPO that is also in effect, this policy will consider payment of eligible medical expenses after your other insurance has provided their full payments. You must file a claim with your other primary insurance to be eligible to receive benefits from this accident insurance policy. If you do not have other primary insurance, this policy will pay up to the specified limits of selected policy plan. A certificate of insurance summarizes the provisions and benefits of the Policy #09-0158 (files form # LRS-8985-0100-FL). Any difference between the policy and the certificate will be settled according to the provisions of the policy.

 FLORIDA LAW STATES: Any person who knowingly and with intent to injure, defraud or deceive any insurance company, files a statement of claim or an enrollment form containing any false or incomplete, or misleading information is guilty of a felony of the third degree.

For more information, please click on 'IMPORTANT LINKS' above