Student Accident Insurance is provided by Rumson-Fair Haven Regional to all students as a means of secondary insurance coverage for all students participating in school sponsored/supervised activities. Over the past few years, the cost of Student Accident Insurance for the District has increased significantly. The District has taken several steps to maintain coverage and make the cost sustainable within the District’s budget for 2015-2016 and the foreseeable future. These changes are as follows:

• Established a deductible of $3,000 that will be split 50/50 between the Parents/Guardians and the District, with the parents paying the first $1,500
• A $2,500 limit on Physical Therapy services

The following documents will help to assist you through the process if your student is injured while participating in a District activity.

It is important to note that this is supplemental insurance and the parent’s/guardian’s primary insurance MUST be utilized first.

• Supplemental Insurance Policy Protocol