We understand accidents happen, which is why we offer Student Accident Insurance to all our students. This secondary insurance covers accidents that occur on or off campus during school-sponsored activities. From minor injuries to more serious incidents, this policy offers financial coverage to help limit out-of-pocket costs for medical expenses and emergency treatment not covered by personal health insurance. The policy provides secondary insurance up to $25,000 per covered accident or claim, with a $25 deductible per claim. The insurance pays covered medical expenses based on reasonable and customary charges, which may vary by treatment, procedure, and provider location. Students are responsible for charges that exceed the insurance company’s reasonable and customary reimbursement amount, as well as any costs not covered by the policy.
Students are encouraged to keep personal health insurance, especially when taking higher-risk coursework or activities such as welding, nursing, automotive technology, building trades, fire academy, HVAC, laboratory work, clinical programs, or similar hands-on instructional settings. This coverage is meant to help with accident-related medical costs, but it is not a substitute for personal health insurance. Students are encouraged to maintain personal health insurance, especially when participating in higher-risk coursework or activities such as welding, nursing, automotive technology, building trades, fire academy, HVAC, laboratory work, clinical programs, or similar hands-on instructional environments.
If a student has personal health insurance, that coverage should be provided in addition to the ACC Student Insurance for billing or claim processing. If a student does not have personal health insurance, ACC Student Accident Insurance may still provide benefits for covered accident-related expenses, subject to the policy limits, deductible, reasonable and customary reimbursement rules, and any other policy requirements.
Students are ultimately responsible for their medical bills. Claims billing is a personal and private matter under HIPAA between the student and the medical provider, and students will need to work directly with the provider and the insurance company claims adjuster to complete the claims process. ACC Risk & Fleet Management provides student accident claim information but does not make medical, billing, or claim-payment decisions. An Injury Claim Intake form must first be reported by ACC personnel for an injured student to inform ACC’s current insurance carrier, Mutual of Omaha, that the student is eligible to file a claim for medical expenses to the extent covered. By submitting a Student Accident Insurance Intake form, ACC personnel is not in any way accepting any responsibility, only assisting a student to receive medical care as quickly as possible and to reduce costs. This policy is provided by ACC and is designed to cover any remaining balances of expenses related to a covered injury/accident or to provide a limited level of coverage for expenses not covered by the student’s primary insurance (including co-pays, deductibles, coinsurance, etc.) or when an injured student may not have primary health insurance and the costs are left to the patient’s responsibility.
Filing a Claim
For Students
If you become injured while participating in an ACC activity, you must reach out to ACC personnel to submit a Student Accident Intake form on your behalf for injuries that occur during an ACC-related activity. You cannot file an insurance claim on your own and do not have access to the Injury/Illness Claim Intake Forms. ACC personnel, such as a professor or on-campus staff member, must complete and submit the form for the injured student. If asked why, please tell the ACC personnel that this is only needed for initial verification that you’re a student enrolled at ACC, so Mutual of Omaha can assign a Claim Adjuster to support the injured student and prevent the Student Accident Claim from being marked as fraudulent. Once an ACC employee submits the intake form, you will receive an email titled Student Accident Insurance Claim Submission – (Your name here). Then complete the Student Accident Claim Filing Instructions packet and reply all to the email to send it to Mutual of Omaha. The Student Accident Insurance Claim Submission email contains the first part of the file they need, and the packet you complete provides the rest.
Once you submit both documents to Mutual of Omaha, they will begin a claim. The student is responsible for all further communications with Mutual of Omaha and keeping up with their claim.
If you do not wish to start a Student Accident Insurance claim, please reply to the Student Accident Insurance claim email with the following:
“I, <Your Full Name>, the injured student, choose not to file a Student Accident Insurance Claim for the injury reported at this time. I understand that this decision will halt all further claim processing. If I decide I want to file a claim in the future, I must complete all necessary requirements listed above to file a Student Accident Insurance Claim.”
Attach a copy of your ACC Student ID Badge to serve as your signature.
For Employees
All student and employee accidents must be reported to insurance. To start filing a Student Accident Insurance Claim, have an ACC employee complete our Student Injury/Illness Claim Intake Form. The form will automatically send the answers you provide, an insurance packet, and a medical card to the student’s email. The ACC employee must also fill out a separate Injury/Incident Reporting Form for the Department of Safety and Environmental Management.
Once an ACC employee submits the Student Injury/Illness Claim Intake Form, the student will receive an email with an insurance packet to complete, beginning with Section II. The student can then reply to the email with a copy of the completed packet to start a Student Accident Insurance claim.
Enter the student’s email address accurately, so they receive the necessary insurance documentation. If you do not know the student’s email address or any other information needed for the form, the nearest Campus Management Office can provide it.
Frequently Asked Questions
What is the Student Accident Insurance?
ACC Student Accident Insurance is secondary insurance that helps pay for covered medical expenses when a registered student is injured during an ACC-covered activity, such as on an ACC campus, during class-related activities, or while participating in a College-sponsored event.
Who is covered by the Student Accident Insurance?
All registered students are covered, except for some Corporate Solutions classes and Business Assessment Center clients.
What does this insurance coverage pay for?
ACC Student Accident Insurance helps pay for covered medical expenses when a registered student is injured during an ACC-covered activity, such as on an ACC campus, during class-related activities, or while participating in a College-sponsored event.
The policy provides up to $25,000 per covered accident or claim, with a $25 deductible per claim. The insurance pays covered medical expenses based on reasonable and customary charges, which may vary by treatment, procedure, and provider location. Students may be responsible for charges that exceed the insurance company’s reasonable and customary reimbursement amount, as well as any costs not covered by the policy.
This coverage is intended to help with accident-related medical costs, but it is not a substitute for personal health insurance. Students are encouraged to maintain personal health insurance, especially when participating in higher-risk coursework or activities such as welding, nursing, automotive technology, building trades, fire academy, HVAC, laboratory work, clinical programs, or similar hands-on instructional environments.
If a student has personal health insurance, that coverage may also be involved in the billing or claim process. If a student does not have personal health insurance, ACC Student Accident Insurance may still provide benefits for covered accident-related expenses, subject to the policy limits, deductible, reasonable and customary reimbursement rules, and any other policy requirements.
Students remain responsible for their medical bills. Billing is handled between the student and the medical provider, and students are responsible for working directly with the provider and the insurance company to complete the claim process. ACC Risk & Fleet Management provides student accident claim information but does not make medical, billing, or claim-payment decisions. Please see our Personal Health Insurance for Students webpage for information on finding Health Insurance.
There is no network of medical providers; students are free to choose their doctor or another provider. Medical providers do not have to accept the Student Accident Insurance since there is no network with this insurance program. Students are required to obtain itemized bills that include the diagnosis and treatment codes for submission with the claims forms.
Claim forms are available on the ACC Forms Inventory database. Claim forms are processed through the Risk Management and Transportation Office for certification that the claimant is a registered student. Claims are paid by the insurance company, not by ACC. The policy number and other school information are left off the claims form as a security measure, so only registered students who have paid the insurance fee will submit claims.
How does ACC manage my personal information?
We strive to keep your personal information protected in accordance with HIPAA guidelines.
Contact Us
Office of Risk Management & Insurance
RFM Support Form
Risk Management: risk@austincc.edu