You are here

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 ($75,000 for those institutions that participate in the NCAA Group Basic Accident Medical Program) 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 will trigger the program’s coverage.