LIBERTY PUBLIC SCHOOL DISTRICT 

Student Accident Insurance Policy Limitations, Terms and Exclusions

To be eligible for student accident insurance policy benefits, medical treatment by a licensed physician must be rendered to an injured student within 30 days from the date of the original school injury date.  The policy will pay covered medical expenses incurred within one year from the original date of the covered school accident.

No benefits will be paid under the Policy to cover any expense or loss not caused exclusively by a covered school accident or any expense or any loss resulting from, or for:

Damage to other than whole, sound, vital and natural teeth or to existing dental bridges, crowns, restorations or braces; orthodontic procedures and services.  Treatment for injury or function of tooth caused either by decay, infection or the breakdown of a dental restoration.

Boils, athlete's foot, impetigo or similar skin infection, rashes, poisonous vegetation reactions, warts, blisters, calluses, cramps, muscle spasms, allergies or allergic reactions, ingrown nails, appendicitis, hernia of any kind, however caused; infections occurring other than as a result of such injury; detached retina; or psychiatric care.

Any form of illness, sickness or disease including but not limited to the following: Pathological Stress Fractures, Perthes' Disease, Osgood Schlatters disease, Osteomyelitis, Osteochondritis, Osteogenesis Imperfecta, Slipped Capital Femoral Epiphysis, Thrombophlebitis, Hysterical Reactions, or similar conditions.

Any form of fighting or brawling or criminal or felonious assault or the Insured being engaged in an illegal occupation.

Services or treatment rendered as a part of the Member school service by a hospital, physician, or person employed or retained by the Member, or by a person related to the Insured by blood or marriage.

Riding in or on, being struck by, being towed by, boarding or alighting from, or operating any motorized or engine driven vehicle.  Eligible medical expenses not collectible from other valid coverage will be payable up to $1,000.00 in total.

Intentionally self-inflicted injury. War or any act of war; (raids by air, land or sea shall be deemed an act of war), civil disobedience, riots or insurrection.

Injuries sustained by the Insured for which benefits are paid or received under any Workmen's Compensation or Employer Liability Laws.

Aviation in any form except while the Insured is riding as a passenger in a licensed airplane provided by an incorporated passenger carrier on a regularly scheduled passenger flight and route.

The use of or while under the influence of drugs unless administered as prescribed by a physician.

The existence or aggravation of physical or mental infirmity, condition or disease, whether infectious, congenital, secondary or acquired in origin.  Conditions or the aggravation of conditions that originated prior to the Insured's policy Effective Date are not covered.

Expense resulting from participating in activities for which benefits would be payable, in the absence of this insurance, under any high school or association sponsored catastrophe sports accident policy or trust fund is expressly excluded from coverage.

Snow skiing, water skiing, surfboarding, hydro sliding, jet skiing, rodeo, boxing or martial arts training or competition;

Participating in organized league sports or activities that are not exclusively supervised, scheduled and funded by the Liberty Public School District Board of Education;

Any expense for which a benefit is not listed in the school accident policy is not intended to be covered by the school accident policy.

EXCESS SUPPLEMENTAL COVERAGE PROVISION: If an injured student is eligible to receive reimbursement of medical expenses from any other insurance or collectible source of coverage, the parents must file a claim with any and all other possible sources of collectible coverage before being eligible to file a claim against the student accident insurance policy.   The student accident insurance policy will only consider payment of eligible benefits not collectible from other sources of coverage.  A statement indicating that medical bills were processed through and either paid or denied by other sources of possible coverage must be accompanied with the claim information submitted to the school policy administrator, KidGuard Insurance, for claim processing.

To go back to the School Policy Benefit Summary page, CLICK HERE.