Athletic Insurance Policy

Personal Insurance Policy

All student-athletes MUST show proof (a copy of the front and back of insurance card) of having primary insurance. If the student-athlete is not covered, they will not be cleared to participate in collegiate sports.

• The student-athlete is required to have a primary insurance plan that covers them in the state of South Carolina; this includes physician appointments, diagnostic testing, ER visits & is In-Network for our physicians. IF the student-athlete’s current insurance does not cover this or is not considered primary insurance, you will need to purchase a new insurance policy or a supplemental Accident Plan. Please contact the Sports Medicine Department for more information.
• If a student-athlete’s plan does not cover them in the state of South Carolina or is not considered primary insurance, the student-athlete or parent/guardian is subject to being held responsible for ALL of the student-athlete’s medical bills in their entirety.
• Each student-athlete and their parent or guardian are sent a letter with the contact information for Converse University team physicians. Each student-athlete and their parent or guardian should ensure that Converse University’s team physicians are considered In-Networks with their particular medical insurance policy. IF Converse University team physicians are not considered In-Network for a student-athlete’s medical insurance policy, Converse University Sports Medicine Department may have to send the student-athlete to another physician. This could cause a delay in treatment for the student-athlete.
• International student-athletes MUST have an insurance plan that is a primary insurance for intercollegiate athletics AND covers medical evacuation & repatriation.
• Accident only and Med Share plans are NOT considered acceptable primary insurance and, therefore, are not acceptable for participation as a student-athlete at Converse University.
• Converse University Sports Medicine Department only accept South Carolina Medicaid plans.
• Student-athletes are responsible for keeping Converse University notified in writing of any change whatsoever in your primary insurance coverage. If at any time a student-athlete’s insurance lapses/expires/or is not valid primary insurance, the student-athlete is not allowed to participate in intercollegiate athletics until they have valid primary insurance that meets Converse University Sports Medicine Department requirements.

Secondary Insurance Policy Procedure

All student-athletes who have been cleared to participate and meet the above insurance requirements will also be covered by Converse University’s Secondary Excess Insurance policy in the event of an athletic injury.

1. The student-athlete will only be covered by Converse’s secondary excess insurance policy if the injury is athletic related and qualifies under the terms of Converse University’s then-current secondary insurance policy which is incorporated herein by reference. A claim form will be filled out by the Sports Medicine Department.
   1. Injuries are considered athletic-related when the injury occurs during official practice, conditioning sessions, or games.
   2. This policy will NOT cover the following: Intramural sports or activities, recreational activities, conditioning/training outside the competitive season not supervised by Converse’s Strength and Conditioning Coach, and the NCAA off-season period.
   3. The policy does NOT cover any pre-existing condition and/or injuries found during the pre-participation physical performed by Converse physicians.
   4. This policy does NOT cover illnesses.
2. If a student-athlete suffers an athletic-injury, they MUST be evaluated first by the Converse University Sports Medicine Department. Upon evaluation, a staff member will make the referral, if needed, to a Team Physician
   1. If the student-athlete chooses to see a doctor outside the Converse University physician staff without authorization from the Sports Medicine Department, those bills will be the student-athlete’s responsibility.
   2. A Converse University Team Physician must refer a student-athlete to another physician for the secondary excess insurance to cover the remaining charges.
   3. If a student-athlete wants a second opinion from another physician (without being referred), this will NOT be covered by Converse’s secondary excess insurance.
   4. Any injury that the athletic trainer is not notified of before leaving for the summer will not be covered by Converse’s secondary policy.
   5. Athletic injuries covered under our secondary insurance policy will receive 52 weeks of coverage from the date of injury.