COVERAGE

• University provides secondary athletic accident coverage for its student-athletes participating in collegiate athletics. This policy provides coverage for outstanding medical bills incurred as a direct result of an athletic accident after your primary insurance coverage has been exceeded. But you must have a primary insurance first in order for this to work.
• An athletic accident is defined as an unexpected sudden and definable event, which is the direct cause of bodily injury, independent of any illness, prior injury, or congenital predisposition. This event must occur during a AU Inter-Collegiate Sports event.
• All bills must first be submitted to the student-athletes primary insurance for payment. Remaining balances and deductibles will then be submitted to the secondary insurance.
• Coverage is only extended for events and activities that are authorized, organized, or directly supervised by an official representative of the University. This includes practices and games during both the traditional and non-traditional seasons.
• The secondary insurance will only be applied after the student-athlete’s primary insurance has been paid.
• Coverage is NOT provided for medical expenses resulting from illness, disease, or conditions unrelated to accidental injury while participating in intercollegiate activities at the University. The policy DOES NOT cover general medical illnesses, or nonathletic related injuries or conditions. Additionally, preexisting conditions and routine medical care (eye care, dental care, or illness) are NOT covered.
• The benefit period for all eligible expenses is 1 year from the original date of injury. Failure to provide the necessary information in a timely manner may result in nonpayment of the claim. This provision seizes when the injury has been deemed healed, to the extent reasonably possible.
• A claim submitted to the University for processing with our secondary insurance carrier does not guarantee payment of the claim.
• Student-athlete is responsible to make sure proper procedures required by their primary insurance plan are followed. Failure to do so can result in a denial of payment from the Universities secondary insurance carrier. The University is not responsible for out of network claims.