Overview

The NCAA sponsors a post-eligibility insurance program beginning Aug. 1, 2024. For up to two years (104 weeks) after student-athletes separate from school, eligibility expires, or voluntary withdrawal, the program covers excess accident medical expenses incurred after separation for athletically related injuries sustained during participation in an NCAA qualifying intercollegiate sport. The program becomes active Aug. 1, 2024, and provides excess insurance coverage for properly documented covered injuries that occur on or after this date. The program is 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 has a $90,000 excess limit per injury, with no deductible. Of the $90,000 available, up to $25,000 is available for mental health services related to an eligible, documented athletic injury.

Provided all coverage criteria are met within the benefit period, the policy is 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.