Mandatory Student Accident Only Insurance Plan

Does a covered person need to be on campus for coverage to take into effect?

Eligible students are covered while on campus, attending or participating in a college sponsored or recognized activity, including practicums. This includes traveling to or from the Covered Person's home, and campus, within the entire state of Wisconsin. The covered travel time includes the period before the Covered Person's required attendance time and the period after his dismissal or when he completes any extra duties.

Is coverage in place for a student who is traveling internationally for a required course activity?

International travel is covered but cannot exceed two hours each way.

Is coverage in place for a student who is studying at the college library on campus on a day when his/her class is not in session?

Coverage is in place while on school premises, during school hours and on school days.

Is coverage in place for a student who is driving to and from a school sponsored event?

Coverage is in place to and from a school sponsored event within the entire state of Wisconsin.

For a student who has a blended on-line course, is coverage in place for the portion of the course when the student is required to be on campus?

Yes, the student with blended courses is covered when required to be on campus, as long as premium has been paid for that student.

Do I get an ID card?

ID cards are available online. To print an ID card, students should complete the following steps:

1. Visit Gallagher Koster, click on "College & University Students and Scholars" and select your school from the dropdown menu.
2. Log in using your existing account information (first time visitors will need to create an account).
3. Select "Authorize Account" located to the left of your screen under Account Information and enter your student ID number along with your date of birth.
4. Once your account has been authorized, select "Account Home" and click "Generate ID Card."

Does this plan have a deductible?

No, the Wisconsin Technical Colleges Accident Only Insurance Plan does not have a deductible. Deductible means the amount for which you are responsible before payment is made by the claims company.

Can I go to any doctor or hospital?

Yes, you can go to any licensed provider.

If I receive a bill for services I received or need to be reimbursed, what should I do?

Physicians should bill the claims administrator. The billing information is on the back of your accident insurance ID card that you print off the website. However, if do you receive a bill or you paid for a service and need to be reimbursed, you should submit your bill (and proof of payment if seeking reimbursement) and completed claim form, which can be found online online by selecting your school from the drop-down menu and clicking “Claims Company.” Make sure your name, insurance ID number and school name are on the bill, and make a copy for your records. Submissions should be sent to:

Health Special Risk, Inc. (HSR)
HSR Plaza II
4100 Medical Pkwy.
Carrollton, TX, 75007

Can I purchase coverage after the policy terminates?

No, there is no option to continue coverage after this policy terminates.

Student Personal Property Protector Plus

Gallagher Student offers a comprehensive Personal Property Insurance Plan. The coverage is available to college/university students, faculty and staff for the protection of personal and university property in the custody of the Insured.

This specially designed plan will cover losses that a homeowner's policy generally does not. This includes computers, cell phones, mp3 players, books and clothes damaged as a result of theft, water, earthquake, vandalism or even accidental damage.

Plan Highlights

• Low deductibles
• Attractive pricing 
• Worldwide protection
• Full 12-month policy period
• 30-day money-back guarantee if not satisfied
• Free identity theft protection

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