K&K Student Accident Insurance is a voluntary, affordable insurance program designed to help cover medical expenses for K-12 students who suffer accidental injuries. It is offered exclusively through participating school systems across the United States and serves as a supplement to primary health insurance or a standalone option for families without coverage.
Key features of the program include:
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Coverage Options: Plans typically include At-School Accident Only, 24-Hour Accident Only (including weekends and summer), and optional add-ons like Extended Dental or High School Football coverage.
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Cost: Premiums vary by district and plan, ranging from approximately $18 for school-time only coverage to over $100 for comprehensive 24-hour or football-specific plans.
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Eligibility: Coverage is available to students enrolled in school districts that have partnered with K&K; it is not available in Arkansas, Maryland, New Hampshire, New York, and Washington.
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Claims Process: Parents must file a claim form with K&K Insurance Group, Inc. (claims line: 1-800-237-2917), often requiring school validation for injuries occurring on campus.
The insurance is not provided by the school districts themselves, which do not carry liability coverage for student injuries, making this voluntary plan a critical resource for managing out-of-pocket medical costs.
