Parents, Students and School Administrators

Osceola County Public Schools

Athletic Accident Insurance

The Osceola County Public School Board strives to provide a safe learning environment for all students. Sports accidents that happen during practice or play are not usually the fault of the school.  Schools are not required by law to purchase coverage for accidental injuries.  As a service, the School District purchases a basic sports accident insurance policy to assist families with some of the medical expenses that may result from a school sports related injury. This coverage will not pay for 100% of all charges incurred as a result of an accidental injury. It is the Parent responsibility to pay for any expenses not covered by the school insurance plan or any other insurance plan. Preferred Providers Listing - (If you have primary insurance stay in your primary network).

For a listing of the policy benefits, terms, provisions and exclusions, please click the following link:


If your student has suffered a sports related accident please follow these steps:

1) File your claim with your primary insurance first and stay within your primary insurance network.

2) Please download and complete the Sports Claim Form within 90 Days of an accident.

3) Please refer to our list of preferred providers when seeking treatment for sports related injuries.

PLEASE REMEMBER: If a student has any primary insurance (HMO, PPO, private insurance, group coverage through parents employment, Blue Cross, Tri-care, Champva, etc...) they should stay in that primary insurance network even if they have a deductible. They must file a claim with any primary insurance coverage first in order to be eligible for the student accident insurance even if they have a deductible. If they do not stay within their primary network, School Insurance of Florida may reduce benefits payable as if they did stay inside the primary network. 

If there is no primary insurance coverage, students may seek medical treatment from any licensed hospital or licensed physician and be eligible to receive the stated school policy benefits that are outlined in the enrollment application or summary of insurance. School Insurance of Florida has set up a Preferred Provider Network. These providers of service have agreed, in most cases, not all cases, to accept the stated policy benefits as outlined on the summary of insurance. It is the parent or student's responsibility to ask the Doctor or provider of service if they are participating in the network and what out of pocket expense they may be held accountable for paying. Please refer to the top part of Summary of Insurance for a summary listing of policy benefits, limitations and exclusions. The Insurance Company cannot regulate how much doctors or other providers of service charge. Doctors and Hospitals are allowed to establish and charge their own fee levels. Doctors and Hospitals may charge more than what the School Insurance of Florida accident insurance policy pays. The insurance benefits will be paid based upon the stated policy provisions. Please retain a Summary of Insurance for your records.  If you have any questions please contact School Insurance of Florida. 1-800-432-6915.  Please do not contact the school.  Schools do not keep claim records or process claims.  Contact the insurance agency, School Insurance of Florida.

Click Here for Excess Student Accident Insurance Overview and Application

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