Other Insurance Coverage

A wide variety of actions and activities may be covered by a University insurance policy. Learn more about what coverage may exist.

Aircraft Non-Owned 

If you pilot a personal or rented aircraft, you should be aware of the University's policy for using this mode of transportation when conducting University business. The employee piloting an aircraft — while permitted with authorization — is not a recommended mode of travel. 

However, if you find it necessary to travel by private airplane, here's what you need to do: 

• Get approval. You must have approval from your dean/vice provost or director. 

• File a Certificate of Liability Insurance. At least 10 business days before taking off, you MUST file with the UM Office of Risk & Insurance Management a certificate of aviation liability insurance showing the Curators of the University of Missouri as an additional insured with minimum limits of $5,000,000 per seat from a carrier with an A.M. BEST rating of A-, VIII and complete a pilot history form. 

• Get insurance. Because the University will not be responsible for damage to the aircraft, it is recommended that you arrange for physical damage (hull coverage) insurance in all cases. 

The Business Policy Manual addresses this mode of transportation in the Methods of Transportation and Allowances policy. To report a claim, contact Risk and Insurance Management. 

Athletic Accident Insurance 

This coverage provides for medical and dental payments for injuries that may be incurred by intercollegiate varsity athletes while practicing for or participating in an intercollegiate event. Coverage includes travel to and from the event. Covered events include authorized and supervised practice sessions as well as the actual intercollegiate events. 

Reporting Claims 

All claims should be reported to the following: 
NAHGA Claim Services 
PO Box 189 
Bridgton, Maine 04009-0189 
Toll Free (800)952-4320 
Fax (207)647-4569 

Deductibles 

Deductibles vary by campus. 

Camps and Clinics Accidents 

This is an accident-only excess policy over any other available coverage. However, the first $200 of medical/dental benefits will be paid by this policy without contribution from other available insurance coverages. This coverage provides medical payments for participants in events sponsored by the University that are registered with the insurer when the event of injury or sickness occurs during the course of the camp or clinic. 

Policy Limits and Rates 

• Accidental Death & Dismemberment: $5,000. A $10,000 benefit applies for loss of both hands, feet or sight of both eyes.

• Dental: 100% of reasonable expenses up to $1,000 (benefits paid on Injury to sound natural teeth only).

• Injury: $5,000.

• Sickness: $750.

• Rate for athletic participant: 0.45/per day, per participant.

• Rate for non-athletic participant: 0.17/per day, per participant.

Policy procedures 

Register your Youth Program with the Youth Program Registry. After your camp ends, update your final attendance number in the Youth Program Registry. 

There is a $40 minimum per camp 4 days or longer. No minimum on camps less than 4 days long. 

Total Premium charge will be computed and a Journal Entry (JE) will charge the account you indicate. Premium is the product of multiplying number of days, actual number of participants, and rate per participant (athletic or student). 

Reporting Claims 

Please request claim forms from Risk & Insurance Management. 

Child Day Care Center Accidental Medical 

Provides primary accident medical coverage for children in participating University of Missouri child day care centers. The accidental death and dismemberment benefit is $25,000, and the accident medical limit is $30,000. 

To report a claim, contact Risk and Insurance Management. 

Club Sports 

The plans cover injuries that occur during play or practice of a Club Sports game, contest or match. Participants are covered while traveling as defined in the applicable Basic and/or Catastrophic policy. 

• Basic Accident Medical Insurance Plan Highlights 

  • A Medical/Dental benefit of $30,000 per person per covered accidental injury. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other insurance policy, service contractor worker's compensation coverage. Benefits are payable for expenses incurred within TWO years from the date of injury. 

• Catastrophic Injury Insurance Plan Highlights 

  • Lifetime Medical, Dental and Rehabilitation Benefits with a MAXIMUM of $5,000,000. Monthly Benefits payable if Totally or Partially Disabled. A Covered Accident Deductible (as selected by school), for medical, dental or rehabilitation expenses which must be incurred within TWO years from the date of injury. $10,000 Accidental Death & Dismemberment Benefit. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other valid and collectible insurance or similar benefit program. Additional Benefits for Total Disability. 

Report a claim by contacting Risk and Insurance Management. 

Fidelity/Crime Insurance 

This coverage provides primary coverage for loss of University money and securities including: public employee dishonesty; forgery or alteration; theft, disappearance and destruction; robbery and safe burglary; computer fraud; money order & counterfeit paper currency and credit card forgery. 

Reporting Claims 

Claims are to be made by completing the Disappearance of Assets and Money, Form UM-155. These reports must be typed and submitted to the appropriate campus contact within 48 hours after notice of the incident. 

Deductibles 

$50,000 deductible; $100 deductible for money order and credit card forgery. 

Notary Bonds 

There is a National Association of Notaries that offers a bonding program. For details, call 800-US NOTARY. The employee pays the premium and gets reimbursed by his or her department. Employees should not purchase the professional liability coverage. 

Student Health Insurance Plan 

The UM System believes it is important that students have insurance while they pursue their studies in the event of an unexpected illness or injury. 

Through a competitive bid process, the university can offer a program that adequately covers its students and meets the following goals: 

• Provides reasonable financial security for students in case of serious illness or accident;

• Offers good benefits at a competitive cost;

• Complies with the US Federal law - Affordable Care Act (i.e. no maximums on essential health benefits, no cost share for preventative care, removal of pre-existing limitations);

• Meets J-1 visa requirements; and 

• Includes medical evacuation, repatriation, etc. 

While there are lower cost options and short-term plans available in the marketplace, many of them do not meet the requirements of the Affordable Care Act and have several limitations (i.e., will not cover pre-existing limitations, do not have unlimited maximums and have several exclusions).  

Health care in the U.S. is different than health care in other countries. Many countries have a universal health program in place, and the cost of care is much less than in the U.S. Enrollment in the plan is required for international students (unless the student is eligible for a waiver). 

The UM System’s student insurance program is reviewed each year to make sure it offers the best program for its needs at a competitive price. Research shows that when comparing the UM System’s plan to other universities in the Urban 13 and SEC, the benefits are competitive while the premium is lower than most. In addition, the university periodically markets the plan to make sure we keep the plan competitive. 

The University provides access to an individual student insurance plan. The program is available to any registered student of the University and offers spouse and dependent coverage for additional premiums. You can obtain further information by visiting the Anthem Student Advantage website and selecting “Student” and entering Missouri in the “Where is your school name” search to get the college selection to see plan details for your campus. 

Reporting Claims 

Claims should be filed with Anthem Student Advantage. Please refer to the website or call customer service at 1(833)332-0798. 

International Travel 

International accident and medical insurance is provided through Chubb Ace American Insurance Company at no cost to faculty and staff, as well as their qualifying dependents traveling with them, during official, authorized international business travel.

Chubb partners with AXA, a 24/7 global medical and travel assistance provider, and Crisis24 Horizon, a travel security and destination intelligence provider, to offer a comprehensive travel assistance program known as CAC.

Faculty and staff are automatically enrolled in CAC coverage for authorized, business-related travel outside the United States, provided they comply with the University System's International Travel Guidance and any applicable campus-specific international travel requirements.

The CAC program is intended for temporary international travel of up to 365 days and is not designed for permanent international assignments. Your UnitedHealthcare employee medical insurance plan can be used internationally; however, any out-of-country treatment will be considered out-of-network and subject to the applicable plan deductibles and out-of-pocket limits.

CAC Medical Coverage Highlights

• No deductible, copays, or coinsurance
• Pre-departure medical consultations
• Treatment for accidents, injuries, and illnesses
• Mental health counseling and therapy services
• Prescription medication coverage
• Care coordination and quality assurance
• Remote counseling and telehealth services

Additional benefits that require pre-approval from CAC include:

• Emergency family travel arrangements
• Medical evacuation

Travel Portal Resources

The Crisis24 Horizon Travel Assistance Portal provides a convenient location to access medical and travel resources online. You can access these resources through the website Crisis24 Horizon Travel Assistance or mobile app.

Mobile App: Download the Crisis24 Horizon mobile app for iOS or Android

The Chubb Travel Assistance Starter Guide contains detailed instructions on setting up an account and an overview of resources. It is recommended that travelers print or save a copy of the CAC Assistance ID Card.

Exclusions

CAC coverage is not available for the following locations: The United States, Iraq, Afghanistan, Russia, Ukraine, Belarus, Israel, Gaza, West Bank, Lebanon, Haiti, Iran, Yemen, Syria and Libya.

Workers’ Compensation may also apply for faculty and staff traveling internationally. If you are injured, report it to your supervisor.

Liability and Workers' Compensation coverage may be excluded for claims arising directly or indirectly from acts of war or civil unrest in certain locations, including:

Afghanistan, Algeria, Bangladesh, Republic of Belarus, Burkina Faso, Burundi, Cambodia, Cameroon, Central African Republic, Chad, Colombia, Cote d’Ivoire (Ivory Coast), Cuba, Curacao, Democratic Republic of Congo, Egypt, El Salvador, Eritrea, Ethiopia, Georgia, Guinea, Guinea-Bissau, Haiti, Honduras, Iran, Iraq, Israel, Kenya, Kyrgyz Republic, Lebanon, Liberia, Libya, Mali, Mauritania, Mexico, Mozambique, Myanmar, Niger, Nigeria, North Korea, Pakistan, Philippines, Russian Federation, Rwanda, Saudi Arabia, Somalia, South Sudan, Sudan, Syria, Tajikistan, Uganda, Ukraine, Uzbekistan, Venezuela, Yemen.

Travel to any of these locations should be reviewed and approved in advance by the appropriate campus contact in discussion with Risk Management.

Visa Letter

If your trip requires proof of insurance as part of your visa application, Risk and Insurance Management can provide a visa insurance letter confirming coverage. The U.S. Department of State has a site with country-specific information regarding visa requirements.

To request an insurance letter required for your visa application, email risk@umsystem.edu and include the following information:

Full Legal Name (as listed on your passport)**

Date of Birth

Nationality/Citizenship

Passport #

Travel Departure Date

Travel Return Date

Coverage Dates Required (if different than travel dates)

Destination Country/Countries

Name of Program/Purpose of Travel

** if you have a spouse or qualified dependent traveling with you, please include their names and relationship to you

Certificates are issued in English unless you are traveling to Spain and are required to provide in Spanish. If you are submitting a request for more than one person, please designate the same person to receive all the certificates. Please allow 5 business days to process your request.

Student International Travel  

Students participating in University of Missouri study abroad programs or other university-sponsored international travel are required to maintain comprehensive international health, accident, and travel assistance coverage throughout their travel. To meet this requirement, students must enroll in the University's international insurance program, which provides medical coverage, travel assistance services, and travel security resources while abroad.

The University's international insurance program (CAC) includes the following service providers: 

• Chubb Ace American Insurance Company: Medical and accident insurance
• AXA: 24/7 medical, travel, and emergency assistance services
• Crisis24 Horizon: Travel security information, destination intelligence, and emergency alerts

For information regarding enrollment, payment, and access to travel resources, please visit your campus international center's website.

• MU International Programs
• UMKC Study Abroad Health and Safety
• Missouri S&T Insurance
• UMSL Health & Safety Insurance Information

Students should review their campus-specific requirements and complete insurance enrollment before departing for international travel.

Venue/Special Event Coverage 

Individuals and outside organizations may hold events at University of Missouri facilities provided they follow the campus protocol for reserving/space use – Obtain written permission from the facility in charge of the space they wish to use 

Prior to the event, you must deliver a Certificate of Insurance to the facility/representative in charge of the space. The Certificate should be accompanied by a note listing the name of the event, the date of the event and the location of the event. 

If you already have insurance coverage, please have your insurance company send the facility in charge of the space a Certificate of Insurance with the following specifications: 

• You or your company (the facility renter) must be listed as the Insured.

• The officers, employees and agents of The Curators of the University of Missouri are to be named as "Additional Insured."

• The Insurer/Producer name and contact information must be on the Certificate.

• The policy start and end date must encompass the entire length of your event. 

• The policy must include General Liability coverage of at least $1,000,000; higher limits may be required depending upon the activity.

• The Certificate of Insurance must provide 30 days' advance written notice for any modification, change or cancellation of any component of the insurance coverage. 

If you do not have insurance coverage of your own, you may obtain coverage by contacting your agent/broker or companies such as HUB International to obtain an application and coverage quote. 

• Individual or organization (renter) must be listed as insured.

• The Curators of the University of Missouri must be listed as the "Additional Insured." 

  • c/o Risk & Insurance Management
    1105 Carrie Francke Dr., Ste. 109
    Columbia, MO 65211
    Email risk@umsystem.edu
    Phone (573)882-8100
    Fax (573)882-7861

• Policy start and end date must encompass the entire length of your event.

• Policy must include General Liability coverage of at least $1,000,000.

Organizations/groups needing coverage for an off-campus event may also contact their agent/broker or companies such as HUB International for an insurance quote for the event.  

Obtaining a quote from HUB International 

Submit the application via email or fax directly to HUB International. A quote will then be sent to you, usually within 72 hours of application receipt.

Submission of this application does not guarantee coverage. Completion of these forms confirms your desire to obtain insurance coverage through the Special Event Liability Group Insurance Trust. Coverage will be bound for your requested dates upon receipt and approval of your completed application and payment of premium. 

Insurance coverage can only be bound by the Administrator of the Purchasing Group after review and approval. After review and approval of your completed application, you will receive a quotation by email, fax or mail (please indicate preference on application). If you accept HUB’s quotation, please make arrangements for your payment to reach their office prior to the event date. HUB accepts credit cards, cashier's checks and money orders; no personal checks. Please call hub to pay by credit card. Upon receipt of your payment, a Certificate of Insurance will be emailed, faxed or sent to you by mail. 

HUB is unable to offer a quote or indication over the phone. Eligibility and premium cannot be determined without the details outlined in the application. 

HUB International 
2300 Clayton Road, Suite 300 
Concord, CA 94520 
Phone: (925)609-6500 
Fax: (925)609-6550 
Email: specialevent@hubinternational.com  

Reporting Claims 

If a participant from an event wants to file a claim, they should contact the renter/event organizer to file a claim with their carrier. The campus should complete the University incident form and file as normal. The campus incident form should be submitted with a copy of the insurance certificate through normal channels. 

Filing a Claim with HUB 

If an event participant wants to make a claim from an event covered through the Special Event Liability Group Insurance Trust, refer them to the event organizer to file the claim. 

Campus incident form should be submitted, and the renter completes the HUB claim form, a completed "Report of Injury or Loss" notice.  

Please obtain the following information in the Claim Report Form, and mail or fax to HUB International, within 24 hours, or immediately if serious injury or death has resulted. If the information is not complete, submit what is completed. Many details can be obtained later. 

• A copy of the certificate of insurance issued to the event holder covering the event.

• A copy of any incident, accident or loss report taken at the time of the incident.

• Claim Report Form.