KNOX COLLEGE STUDENT ACCIDENT INSURANCE POLICY SUMMARY

All Knox College full time degree seeking students are eligible for accident insurance policy benefits as described in the following information.

 

Basic Accident Insurance Policy Benefits

To be eligible for policy benefits, medical treatment by a licensed physician must be rendered within 90 days from the date of the original accident date.  The policy will pay the specified policy benefits necessary to treat the covered injury that are incurred and rendered within up to one (1) year from the original date of the covered accident up to the specified medical benefits outlined below.  

This policy has no deductible.

The policy effective date is August 13, 2016.

The policy termination date for covering Knox College students is August 13, 2017.

 

Maximum Medical Benefit (per covered accident):

Up to $12,500.00 

          

Intercollegiate Sports Accident Maximum Policy Benefit

Up to $1,000.00

Motor Vehicle Related Accident Maximum Policy Benefit

Up to $2,000.00

 

Policy Deductible:          

No Deductible 

  

Accidental Death Benefit:

$2,500.00

 

INPATIENT HOSPITAL CHARGES

 

Daily Semi- Private Room & Board including all miscellaneous charges including supplies, services, operating room, implantable devices, etc.: 

$1,000.00 / day

While in Intensive Care including all miscellaneous charges,

supplies, services, operating room, implantable devices, etc.: 

         

$1,250.00 / day

OUTPATIENT HOSPITAL, ER or Surgi-Center Charges

(Including all charges, supplies, and services)

 

     When major surgery is performed requiring general anesthesia:

$2,500.00

     When major surgery is not performed:    

$   500.00

 

PHYSICIAN’S FEES

 

    Non-surgical office or hospital visits, consultations;           

    (8 visit maximum per accident)

$60 initial visit / $40

follow-ups             

    Physician’s Surgery Fees:

UCR* (See note below)

    Anesthesiology and Assistant Surgeons Fees:

20% of Surgery Fee Benefit

OUTPATIENT RADIOLOGY, SCANS, LAB FEES

(Includes interpretation and reading fees)

 

     X-Rays, CAT and other Scans:

Up to $300.00   

     MRI Benefit (includes interpretation fees)

Up to $500.00

     Laboratory Tests:

Up to $150.00

 

OUTPATIENT PHYSICAL THERAPY Treatment Visits:

(Limited to 10 visits per covered injury)

 

$40.00 per visit

Emergency Ambulance Service  (Air or Ground):

Up to $500.00

   

Drug Store Prescriptions Prescribed by Physician:

Up to $150.00

   

Dental Services: (includes x-rays and supplies)

(amount payable per injured tooth)

 

$300.00 per tooth

Replacement Eyeglasses or Hearing Aids:

(If broken during a covered accident requiring medical treatment)

 

Up to $125.00   

Orthopedic Appliances/Braces/Implantable Devices or Equip Rentals:

(Payable when physician prescribed for rehab purposes only)

 

Up to $250.00   

*NOTE:  ‘UCR’ refers to ‘usual, customary and reasonable’ fees as referenced in the Fair Health, Inc. fees survey. 

 

 

 TO READ MORE ABOUT ADDITIONAL POLICY TERMS AND PROVISIONS Click Here.

To view FREQUENTLY ASKED QUESTIONS AND ANSWERS concerning the Knox College accident insurance plan, Click Here.

For information regarding obtaining an accident insurance I.D. Card, Click Here.