The NCAA sponsors a post-eligibility insurance program that will begin Aug. 1, 2024. For up to two years (104 weeks) after student-athletes separate from school, the program will cover excess accident medical expenses for athletically related injuries sustained during participation in an NCAA qualifying intercollegiate sport (includes NCAA emerging sports). The program will become active Aug. 1, 2024, and will provide excess insurance coverage for properly documented covered injuries that occur on or after this date. The program will be available to all student-athletes at all institutions in all divisions.
The coverage provides benefits in excess of any other valid and collectible insurance. The policy will have a $90,000 excess limit per injury, with no deductible. Of the $90,000 available, up to $25,000 will be available for mental health services related to an eligible, documented athletic injury.
Provided all coverage criteria are met within the benefit period, the policy will be triggered when a student-athlete’s primary insurance coverage is exhausted or when primary insurance will not cover accident medical expenses covered under the post-eligibility program, subject to terms and conditions of the policy.
The NCAA national office will continue to provide additional details leading up to the program’s Aug. 1, 2024, effective date.
This is a general summary of the NCAA Post-Eligibility Insurance Program. The policy (after it is drafted, filed and approved) will contain all of the provisions, exclusions and qualifications of the insurance benefits. If any discrepancy exists between this summary and the policy, the policy will govern and control the payment of benefits.
