Student Accident and Athletic Insurance Coverage
Accident and athletic insurance coverage for Texas school district students
TASB Benefits Cooperative now offers Texas school districts blanket and individual accident insurance plans for K-12 students. Provided by Texas Kids First, an awarded and authorized student accident insurance provider of the Benefits Cooperative, these affordable, limited-benefit plans are designed to help offset deductibles and co-insurance and to act as primary payors when parent insurance is unavailable.
Why Choose TASB Benefits Cooperative and Texas Kids First
- Texas Kids First, an authorized student accident provider of the TASB Benefits Cooperative
- Trusted by trainers: Currently the only program endorsed by both Texas State Athletic Trainers' Association and Southwest Athletic Trainers' Association
- Statewide network: The no-balance bill network has over 3,000 medical providers and hospitals across Texas
- A+ rated insurers*: National Health Insurance Company (an Allstate company) and Great American Insurance Company
- Insures more than 275 school districts in Texas
- Offers local support and responsive services with regional agents statewide
- Base plans: $30,000 limit / Catastrophic: $10mm limit
- Online claims form
*Rating for financial strength and ability to meet policyholder obligation by A.M. Best Company, a leading insurance rating authority.
Benefits to School Districts and Students
Protecting Families from Unexpected Costs
Student accident insurance helps cover medical expenses that families may not be able to afford, especially if they lack adequate health insurance or have high deductibles. The Texas Kids First insurance plans provide up to $30,000 for base coverage and $10 million for catastrophic events.
Blanket and Catastrophic insurance plans are UIL plans. Both are designed to insure students participating in UIL activities with the school district and follow UIL guidelines for those activities.
No-Balance Bill Network
Texas Kids First has a current network of over 3,000 medical providers and hospitals across the state committed to the well-being of Texas school children. The network covers the entire state, offering the opportunity to receive care from nearby, in-network providers and facilities.
$30,000 Limit Base Plans
Competing base plans offer $25,000 limits. Catastrophic insurance plans have a $25,000 deductible. Because of scheduled benefit limits, the base plan rarely pays out enough to meet the catastrophic deductible. As of today, Texas Kids First alone has raised its standard base insurance plans to a $30,000 limit to address this issue.
Available Coverage Plans
- At-School Accident Plan (may also include athletics)
- 24-Hour Accident Plan (may also include athletics)
- Football Accident Plan
All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Please see the specific policy or certificate of coverage for details.
Have Questions or Need a Quote?
Contact the TASB Benefits Cooperative team today to learn more about offering student accident and athletic insurance within your district. 2025 enrollment deadline is August 1, 2025.