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NCAA Catastrophic Injury Insurance Program

The NCAA sponsors a catastrophic injury insurance program for active member institutions. The insurance covers the student-athlete who is catastrophically injured while participating in a covered intercollegiate athletic activity. The policy has a $90,000 deductible and provides benefits in excess of any other valid and collectible insurance.  It is 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 can trigger the program’s coverage.