Student-athletes must have insurance covering athletic-related injuries to practice and compete, per rules adopted by NCAA institutions.
During NCAA championships, the NCAA provides supplemental insurance for student-athletes who are injured up to $90,000 in medical expenses—in effect doubling the coverage provided by the school (or a student's family insurance). Once that level is met, the NCAA catastrophic policy activates.
It’s important to understand that a student-athlete’s injury does not have to be catastrophic to be covered by the NCAA catastrophic program. Simply having medical expenses exceeding $90,000 will trigger the program’s coverage.