NCAA Student-Athlete Insurance Information
This information is provided to NCAA Athletes regarding responsibility for medical expenses and insurance in the event a student-athlete sustains an injury from participating in an intercollegiate sport. In keeping with the voluntary nature of NCAA programs, the primary source for the payment of costs associated with the treatment of the injuries incurred by student-athletes while participating in an intercollegiate sport is the student-athlete or her or his family. However, the NCAA does require institutions to certify the existence of insurance coverage for medical expenses resulting from athletically-related injuries sustained by a student-athlete during NCAA-sanctioned competition or supervised practice. To that end, Liberty University carries a basic accident insurance plan administered by AG Administrators.
The basic accident insurance plan carried by LU is designed to cover only those eligible expenses not paid or reimbursed after a student-athlete’s other insurer(s) have made payment. Coverage under the accident plan is subject to specific policy terms and conditions and includes certain restrictions and exclusions of which you should be aware. The policy covers only new injuries that are sustained during NCAA-sanctioned competition or supervised practice. Pre-existing injuries, off-season (any period not specified by the NCAA as sanctioned practice, or weight lifting in the off-season) injuries, injuries incurred during the season that are not directly related to in-season competition or a supervised practice are not covered.
The university's basic accident policy will pay covered unreimbursed expenses up to $90,000 per accident limit. The NCAA provides a catastrophic health insurance plan for incurred costs greater than $90,000.
Coverage under the basic accident plan carried by the LU is in excess of any individual, family or employer group coverage plan. It will not duplicate benefits, and excludes those bills incurred that were “payable” by the family health insurance plan.
If a student-athlete is injured and generates medical expenses, she/he can help the excess plan provides better service by following these steps and providing the following information:
• To check the status on a claim, please click this link http://agadministrators.com/services/check-a-claim-status/ or call AG Administrators at: 610.933.0800.