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Requiring Evidence of Insurance

If the institution requires student-athletes to provide evidence of insurance either in place of providing insurance or to “fill in a gap” with the institution’s insurance, the following provides suggestions on administering this approach. In addition, we have provided sample forms that the institution can use (or modify) to capture the recommended information.

What is needed to have proper evidence of coverage?

Evidence of coverage should include the following:

  • Copy of a current insurance card.
  • Completion of an insurance questionnaire requesting the following:
    • Insurance company information.
    • Coverage effective dates.
    • Limits/benefits of insurance.
    • Deductibles/co-insurance.
    • Confirmation that policy applies while participating in intercollegiate sports (that is, no exclusion for athletics participation).

An individual(s) at your institution should be responsible for reviewing the evidence of insurance submitted to make sure it meets the requirements (that is, the coverage is effective during playing and practice season; benefits are equal to or greater than the deductible of the NCAA Catastrophic Injury Insurance Program; and coverage includes athletically related injuries).

How can we be sure that student-athletes have the proper coverage or that the coverage remains in force throughout the season?

From a practical standpoint, institutions are not able to thoroughly research each student-athlete’s coverage or monitor whether coverage remains in effect throughout the season. However, we recommend taking the following steps to comply with the legislation.

  • Notify student-athletes/parents of the insurance requirement before the season (see draft letter to student-athletes and parents).
  • Require the student-athletes or their parents to sign a form acknowledging the insurance requirements (see sample Acknowledgment of Insurance Requirements form). This form should include the following:
    • Confirmation that there is insurance coverage in place for athletically related injuries with a limit equal to or greater than the deductible of the NCAA Catastrophic Injury Insurance Program.
    • Student-athletes/parents are aware that the institution does not have responsibility to pay for medical expenses.
    • Student-athlete/parents will notify the institution if there is a change in insurance.
  • Secure evidence of insurance immediately before each academic year, but before student-athletes begin practicing or playing. Ideally, the institution will secure evidence of insurance immediately before each playing season and/or secure an update on the status of insurance during the course of the year.
  • Use a third-party primary insurance verification vendor for efficiency. For example, explore new and existing partnerships with a local hospital to access verification services and software capabilities. In addition, some basic accident insurance companies provide insurance verification at various levels and fees. With many of the third-party services available, primary insurance information can be uploaded in batches with real-time verification results.