Frequently Asked Questions

This 'Frequently Asked Questions' section applies only to issues regarding the Accident Insurance Policy provided for Knox College full time students.

Knox College does not provide or require students to have a health insurance policy that covers illness or other medical conditions.  Therefore, this section does not include Questions and Answers related to health insurance policies.  To obtain answers regarding health insurance policies, contact the insurance companies that offer  health insurance programs.

 

Question:

Do students have to go a particular doctor or hospital to obtain benefits from the accident insurance policy?

Answer:

NON-EMERGENCY CARE

If the injury is relatively minor, a students can obtain basic treatment from the on-campus Student Health Center. Alternatively, students are free to go to the doctor or hospital of their choice.  

EMERGENCY CARE

If your injury is more serious, students should go directly to the closest medical facility for care.  The policy pays the same benefits to all medical providers.  Therefore, students can obtain treatment from any licensed physician or hospital.

 

Question:

How can students obtain an Accident Insurance I.D. Card? 

Answer:

To obtain information about an I.D. Card, Click Here.

 

Question:

Will the Knox College accident insurance policy pay for all medical bills in full?

Answer:

NO. The accident insurance policy may not pay 100 percent for all medcial bills submitted if they exceed the benefit amounts written in the insurance policy. Doctors, hospitals and other medical service providers are free to establish their own fees and charges resulting in a wide range of charges.  In some cases, doctors, hospitals or other medical service providers may ‘write off ‘ the amount of their bills that are not paid by insurance.   However, students are responsible for paying any unpaid medical bills not covered by insurance.

 

Question:

What if we have other insurance through our parents or other source?  Can we collect from both the college policy and our other policy?

Answer:

NO. If students are covered by other insurance, the Knox College accident policy could help cover the deductibles, co-pays and other expenses that may not be covered by the student’s other insurance plan.  The Knox College policy is a ‘supplemental’ policy and is not intended to allow double coverage or profiting as a result of an accident.

 

Question:

If we already have insurance through our parent's plan or other plan, why do we have to pay for an additional insurance fee to the College?

Answer:

Even if you have other insurance, your other insurance will probably have a deductible and co-pay amounts that you would have to pay yourself.  The college insurance fee provides supplemental insurance that can help pay some of the out-of-pocket expenses that your other insurance may not cover. The Knox College accident insurance policy is a supplemental coverage policy and will not all double coverage or profiting as a result of an accidental injury. 

 

Question:  

When does the accident insurance policy coverage take effect and when does it end?

Answer:

The policy coverage is effective beginning at 12:01 AM Central Standard Time on August 13, 2017 if students enroll in the Fall Term.  For students that enroll in for the Winter, Spring and Summer terms, coverage goes into effect on January 4, 2018.  For students that enroll for Spring and Summer term, coverage goes into effect on March 23, 2018. The accident policy coverage ends for all students at 12:01 AM Central Standard Time on August 13, 2018.

 

Question:

If a student is not enrolling in classes until the winter or spring term, will the insurance enrollment fee be reduced?

Answer:

Yes.  The prorated fee for full time students that enroll in classes beginning in the winter term is $66.00.  The prorated fee for full time students that enroll in classes beginning in the spring is $55.00.  The termination date of coverage for all students, regardless of whether they enroll in the fall, winter or spring is August 13, 2018

 

Question:

If I need ongoing treatment due to an injury that happened before I was a full time student enrolled at Knox College, will the Knox College policy pay for the ongoing treatment expense?

Answer:



No.  The Knox accident insurance policy does not cover any medical expenses for the treatment of conditions that originated prior to the policy effective date.  The policy will not cover treatment expense due the reoccurrence of, complications of, aggravation of or reinjury of medical conditions that originated prior to the policy effective date, August 13, 2017.  For example, if a student had a knee injury prior to the policy effective date and the knee continues to cause pain and discomfort or possibly require surgery, the Knox policy is not going to cover medical expenses attributed to or associated with the aggravation, reoccurrence of or reinjury of the knee condition.  Medical bills for the treatment of pre-existing conditions are not covered by the policy.

 

Question:

What if we have on-going medical treatment expenses after the policy termination date of August 13, 2018?  Can we extend the policy to cover us?

Answer:

The policy has an 'Extension of Benefits' provision that states if an injured student incurs eligible medical expenses due to a covered accident within 30 days prior to the policy termination date for a covered accident, the policy will continue to pay benefits for medical expenses due the accident for up to 30 days after the August 13, 2018 policy termination date if the student is hospital confined or, coverage will be extended for up to 10 days after the August 13, 2018 policy termination date if the student is not hospital confined.

 

Question:

Does the Knox College accident insurance policy cover accidents that occur only while attending college, on campus?

Answer:

All Knox College full time degree seeking students are covered by the accident insurance policy 24/7, on campus, off campus, while on breaks and vacations.  The policy does have certain restrictions and exclusions and may not provide coverage for all accidents.  For more detailed information, refer to the policy benefits, terms and limitations section of this website.

 

Question:

Does the Knox College accident insurance policy cover any medical bills if a student becomes ill or sick?

Answer:

NO.  The accident policy only provides coverage for covered expenses due to an accidental injury.  Knox College strongly encourages students to maintain or purchase medical insurance to cover medical bills due to illness, disease process or other medical conditions.  Students will be responsible for paying all medical expenses not covered by insurance.

 

Question:

Are part-time or post-baccalaureate covered by the accident insurance policy?

Answer:

NO.  The accident insurance policy coverage is only available to full time degree seeking students enrolled in Knox College.

 

FOR MORE INFORMATION ABOUT HOW TO FILE AN ACCIDENT INSURANCE CLAIM,CLICKHERE