School Insurance of Florida
Insuring Florida's kids for over 40 years.
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Palm Beach County School District
Excess Student Accident Insurance Overview
2019-2020 SCHOOL YEAR
HOW TO ENROLL IN A SCHOOL TIME OR 24 HOUR PROTECTION PLAN
Your school is very interested in providing a safe environment for all students. However, accidents do happen every day during school activities.Public schools are not responsible for accidents that happen on public school grounds. Therefore, the school offers parents the opportunity to enroll their child in a low cost insurance program. We strongly urge all parents to read this description of coverage and consider enrolling your child in this voluntary insurance program or parents may enroll in a private insurance plan of their own choice. This program does not provide coverage for high school interscholastic sports injuries during practices, scrimmages or games. The school district purchases a separate high school sports policy to cover students during school sports practices and games that is effective during the regular school term.Click Here for High School Athletic Accident Insurance Information
These policies may not pay for 100% of all medical expenses due to the limits of the policies as described below and in this website. The school cannot accept financial responsibility for any expenses due to school injuries or any expense not covered by this insurance or any other private insurance.
You can enroll immediately for the 2019-2020 school term online or by downloading the enrollment application. You must register/create an account before purchasing insurance online. If you are mailing in your application, make checks or money orders out in the exact amount payable to School Insurance of Florida. Write the student’s name and school in the memo section of your check or money order. Mail enrollment application and payment to School Insurance of Florida. Keep your cancelled check or money order receipt as your confirmation of payment. Insurance cards will not be sent to you unless you request an I.D. card and enclose a self-addressed, stamped envelope for us to mail the I.D. card to you. Keep the top part of the form for your records. No premium refunds after the first day of coverage.
PLEASE SELECT FROM THE FOLLOWING (2) TWO OPTIONS:
OPTION 1- 24 HOUR BASIC ACCIDENT INSURANCE PLAN: $38.00 Provides protection during school sponsored, school supervised, school scheduled activities during the regular school term and also while at home, on the weekends, holidays, during vacation periods and the summer months, 24 hours a day, 7 days a week (this option does not provide coverage for interscholastic sports 9th-12th grade or private leagues). Middle School Sports that are directly supervised, scheduled, exclusively sponsored and funded by the Palm Beach Public School Board are eligible for coverage. The coverage will become effective on the first day of school for the 2019-2020 school term; or at 11:59 PM on the US Postal postmark date or the date received in the Agency office, whichever is the later date. The 24 Hour plan will terminate on the first day of school for the next school term in 2020.
OPTION 2- School Time Basic Accident Insurance Plan: $7.00 Provides protection only during school sponsored, school supervised, school scheduled, classes and activities during the regular school term. Does not provide coverage at home, during vacation periods or for interscholastic sports, 9th to 12th grade. Middle School Sports that are directly supervised, scheduled, exclusively sponsored and funded by the Palm Beach Public School Board are eligible for coverage during the regular school term. The coverage will become effective on the first day of school for the 2019-2020 school term; or at 11:59 PM on the US Postal postmark date or the date received in the Agency office, whichever is the later date. The School Time Plan always terminates on the last day of school for the regular school term in May 2020.
**Additional Benefit Options - You must purchase either the 24 Hour or School-Time plan to be eligible for In-hospital Sickness Benefit Plan and Increased Dental Accident Coverage.
In-Hospital Sickness Benefit Option: IN-HOSPITAL SICKNESS COVERAGE COST $40.00Provides up to $500 per day of in-hospital confinement benefits if your child is hospitalized due to a covered illness or disease, up to a maximum policy benefit of $5,000 for up to a 12-month period of coverage. No benefits are payable for out-patient expenses. The coverage is effective during the school term and upcoming summer months. For late enrollments there are no pro-rated discounts.
Increased Dental Accident Coverage: Cost is $2.00Provides increased dental treatment benefits, up to $600 per injured tooth, due to covered accidents. .
Please download and read a Summary of Insurance for a more complete listing of policy benefits, terms and provisions. This policy may not pay for all medical expenses. Please click on the following link to view and/or print a summary of insurance policy benefits, terms and exclusions: Click Here to Purchase Online
COVERAGE EFFECTIVE AND TERMINATION DATES: Coverage under the Student Accident Insurance Policy becomes effective on the later of the following dates: 1) At 12:01 A.M. (EST.) on the first day of scheduled school classes for the 2019-2020 regular school term. Or, 2) at 11:59 P.M. (EST.) on the date completed application and premium payment is postmarked by the USA postal service or if no postmark, the date received by School Insurance of Florida's agency office at 11:59 P.M. (EST.). For online enrollments, coverage will go into effect on the first day of school or for late enrollments at 11:59 P.M. (EST) on the day your credit card is charged, whichever is the later date. The School Time Plan will terminate on the last day of school. The 24 Hour Plan will terminate on the last day of summer in August, 2020.
A certificate of insurance summarizes the provisions and benefits of the master policy # 09-0113-2020 (filed form # LRS-8985-0100-FL). Any difference between the policy, website and/or the certificate will be settled according to the provisions of the Master policy.