Student Accident Insurance
Frequently Asked Questions
Why is Student Accident Insurance necessary?
In order to accommodate student lab activities it is necessary to permit operation of various labs into the late evening or, sometimes, twenty four hours per day. Many of these labs are now multi-purpose and contain a variety of equipment whose operation has some element of risk. e.g. Eng Phys course work.
What is the Student Accident Insurance policy?
Student Accident Insurance (SAI) is an additional insurance that provides a measure of excess medical coverage for the benefit of UBC Physics and Astronomy Department students performing course work in environments where the risk of injury is greater than in a classroom, e.g., laboratories. It provides a $50,000 maximum benefit for death or dismemberment and a $5,000 excess medical coverage, e.g., ambulance, prescription drugs.
The Student Accident Insurance policy does not provide 24-hour coverage. It applies only during the involvement of the student in course work. Students must have the BC Medical Plan or its equivalent from another province in place in order to provide themselves with basic medical care.
Please see the documents (PDF reader http://www.adobe.com/reader required) for information regarding the Student Insurance policy:
Who is underwriting the policy?
The policy holder is The University of British Columbia. The policy is underwritten by Citadel Assurance.
Is there an individual policy number or policy certificate?
The student will not receive an individual policy number nor will he/she receive an individual policy certificate.
Who needs to purchase SAI?
We request that all UBC Physics and Astronomy Department students performing course work in environments where the risk of injury is greater than in a classroom, e.g. laboratories. The cost of the insurance is $7/year/student, of which is paid by the department. Please forward all requests for SAI to the Operations Manager.
What are the coverage dates?
Coverage will commence on the 1st of the following month and terminate 365 days later.
How are claims made?
If SAI was purchased from Physics and Astronomy, please contact the operations Manager for assistance with making a claim against the SAI policy. If SAI was purchased from another department (e.g., MECH, ECE), they should be contacted directly.