Student Benefits

Student Benefits
Student Benefits

Student coverages for private-independent schools

Great student coverages for great schools. Be great.

Your students are your school’s most valuable assets—They deserve protection from the unthinkable.

We offer student insurance options that protect students of all ages throughout all of their educational adventures. Our coverages are designed to protect your students traveling abroad, summer campers, and foreign visitors.  

It Matters. Here’s Why.

  • Research shows that high school athletes suffer two million injuries, and require 500,00 doctor visits, and 30,000 hospitalizations each year—that’s approximately 8,000 children being treated in emergency rooms each day for sports-related injuries!
  • Advance Health Network reports that each year, in the United States, emergency rooms treat more than 200,000 children ages 14 and younger for playground-related injuries!
  • Regardless of economic status, parents’ insurance plans may not be as comprehensive as you think.
  • According to, 60% of families who report having medical debt problems are covered by health insurance. In fact, 75% of people who filed for bankruptcy due to medical debt had medical insurance.
  • ISM Student Accident Insurance becomes the primary coverage for students when parents are uninsured. It’s more common than you might imagine.
  • The assistance and support you offer to your school’s parents during stressful situations is significant. With this plan, you cover their co-pays, deductibles, and unpaid charges remaining from other insurance plans.

Our Student Coverages

Summer Program/Camp Insurance

Summer School/Camp Student Accident Insurance provides accident coverage for all of your school's PK-12 campers through this A.M. Best "A" rated (Excellent) carrier. 

International Student Accident and Sickness

With three levels of kindergarten through grade 12 (K-12) coverage, there's an ISM plan for you—select the plan that meets your needs! In addition to ISM's friendly, experienced customer service, all plans offer up to $250,000 ($500,000 Gold Plan) of sickness/accident coverage, full coverage (100% of usual and customary charges) emergency medical evacuation, $25,000 or $50,000 of sports coverage (based on maximum selected by the school), and up to $1,000 of home country coverage.

Wellness in Independent Secondary Education (WISE) Program

ISM’s Wellness in Independent Secondary Education (WISE) is the only program that provides resources for both students and school leaders to receive medical support when they need it most. Students have 24/7 access to health experts through our custom phone app—enabling them to speak to a provider when their need is greatest.

Domestic Student Accident Insurance

Schools of all shapes and sizes choose to add an extra layer of protection for their students with ISM’s Domestic Student Accident Insurance. It’s an investment not just in your graduating classes of tomorrow, but also in your school’s future.