PURPOSE: This rule describes certain notices and contents of these notices to be given to parents of students concerning group and blanket student accident insurance policies. This rule was adopted pursuant to the provisions of section 374.045, RSMo and implements sections 376.405 and 376.777(7), RSMo.

1. (1) Whenever any blanket, group, individual or other student accident insurance is sold to students of any school or college for which any premium is paid by the student or his/her parents or guardian, the parents or guardian shall be notified before they are required to contribute to the premium for this insurance, by brochure or folder attached to the envelope or other container for remittal of premium, the factors listed in the following:

   1. (A) A true and accurate description of the coverage afforded by the policy in clearly understandable and concise language. This must include:

      1. 1. The deductible amount, if any;
      2. 2. The existence and primary effect of

any coordination of benefits provision;

1. 3. The effects of any excess provisions;
2. 4. Whether the coverage is for twenty-

four (24) hours each day or for a lesser time interval (if a lesser time interval is indicated, a description of that time interval must be included);

1. 5. A statement as to whether the protec-

tion is for the full calendar year or for the school term or other clearly defined time interval;

1. 6. Amount of premium for each child

covered;

1. 7. Where claim forms may be obtained;
2. 8. The policy number or the insurer’s

method of identifying the policy; and

1. 9. The name and address of the insur-

ance company issuing the policy.

1. (2) If a certificate is issued to the parent or guardian or child on this policy, then the items listed may be included in the certificate. The notice or certificate shall be delivered to the parents’ or guardians’ home.

AUTHORITY: sections 374.045, 376.405 and 376.777, RSMo 1986.* This rule was previously filed as 4 CSR 190-14.070. Original rule filed Sept. 18, 1974, effective Sept. 28, 1974.

*Original authority: 374.045, RSMo 1967; 376.405, RSMo 1959, amended 1984; and 376.777, RSMo 1959, amended 1984.