Primary Athletic Insurance
Athletic Advantage Insurance Policy
Athletic Advantage is a sports accident policy designed to provide coverage for student athletes who currently have no primary insurance and for international recruits who lack athletic insurance protection. Because college and university athletic insurance premiums continue to rise in cost, Dissinger Reed developed Athletic Advantage to alleviate some of the cost and claims experience from school’s excess policy. For students who do not currently have insurance, Athletic Advantage will act as primary athletic insurance. The result is fewer claims on the university policy, which should lead to reduced athletic insurance premiums.
Athletic Advantage can be used for colleges and universities who require student athletes to have primary insurance, as well as, institutions that include walk-on or non-scholarship athletes.
Why Athletic Advantage may make sense for your institution:
- Offers a limited sickness benefit for athletes who would generally not have any coverage at all (Most primary plans exclude sickness)
- Will provide primary coverage (when no other insurance is available) so uninsured athletes’ claims are not paid entirely by the university (which directly relates to increased claims experience and premiums)
- Makes sure the student athlete has some form of insurance before participating in an athletic event
- Presents a vehicle for international recruits to obtain primary athletic coverage
- Complements coverage for athletes who already have primary insurance with high deductibles, limited benefits or limited areas of service (i.e. HMO’s)
For a summary of benefits, please click here AA Benefit Summary (PDF)
