Claim reporting and filing – Claim forms and filing procedures were modified to make it easier for parents to file claims while schools are physically closed due to COVID-19. Instructions and the modified claim form can be found HERE or by calling MST at (800) 827-4695, emailing your request to firstname.lastname@example.org or faxing your request to (949) 348-2630.
COVID-19 testing – If an Insured suffers an Injury or Sickness that results in required testing for COVID-19, and if the claim is deemed payable in accordance with the policy, we will not apply any cost-sharing provisions to the COVID-19 diagnostics/test rendered (e.g., deductibles, copays, etc.). If further treatment is required, we will continue to cover eligible expenses subject to the terms and conditions of the policy.
Coverage for injuries occurring during “virtual”, “remote” or “distance” learning at home – During the COVID-19 school closures and for such time that schools are required to continue COVID-19 mitigation protocols, students who are insured under voluntary-purchase or school-paid blanket School-Time plans and/or Class II/School Activities Catastrophic coverage will continue to be covered for injuries sustained while participating in School sponsored and organized learning activities at home. All other policy terms and conditions apply. NOTE – Students enrolled in any of our Full-Time Accident Only, Worldwide Exchange or Student Accident & Sickness plans are covered for injuries 24/7.
Coverage for telemedicine – If an insured student suffers a Covered Injury or Covered Sickness and seeks medically necessary care via telemedicine, we will cover related charges as we would for care provided in a physical office or facility setting in accordance with the policy.
2019/2020 School Year School Activities that may be pushed into the summer – Many schools and state governing bodies for high school sports are considering moving 2019/2020 School Year School Activities such as interscholastic spring sports beyond the normally scheduled end of 2019/2020 instruction and into the summer. Should this happen, we will continue, until August 31, 2020 or the start of the 2020/2021 school year whichever first occurs, to cover students enrolled in 2019/2020 voluntary-purchase or school-paid blanket School-Time plans if injured while participating in such postponed School Activities, subject to all other terms and conditions of the policy.
Graduating seniors – Related to the above, if an insured student graduates and then wishes to participate in 2019/2020 School Year School Activities such as interscholastic sports that have been pushed into the summer, we can extend eligibility to cover that graduated student until August 31, 2020 or the start of the 2020/2021 school year whichever first occurs, via an amendment and subject to all other terms and conditions of the policy.
If you have any questions about coverage, the COVID-19 adjustments or need help with a student claim, please contact MST directly at (800) 827-4695.