The School Division and the Manitoba School Boards Association are committed to the health and welfare of students. Injuries and accidents are everyday occurrences. The home, playground, school and community all present possible hazards to children and adolescents.
Universal Student Accident Insurance
The School Division maintains Universal Student Accident Insurance coverage, underwritten by iA Special Markets, for all students attending our division’s schools. The program provides basic accident and medical coverage while students attend school or participate in school-organized activities. It also extends to provide coverage to high school students enrolled in an approved course or class outside of school that qualifies for credit in Physical Education. This coverage does not extend to any other activities at times outside of school, i.e. not 24 hour coverage.
This program provides coverage for all full-time students registered in participating Manitoba School Divisions while:
(a) in or on school buildings or premises by reason of attending classes on any regular school day;
(b) in attendance at or participating in any school activity approved and supervised by proper school authority;
(c) travelling directly to or from any regularly scheduled and approved school activity under the direction or supervision of a proper school authority;
(d) travelling directly to or from the Insured Person’s residence and school for the purpose of attending classes or participating in any school sponsored activity;
(e) participating in physical activities taking place as part of the grades 9 to 12 Physical Education Curriculum as approved by a proper school authority;
(f) engaged in the performance of the duties assigned to the Insured Person while participating in a school approved work experience program.
- Underwritten by: Industrial Alliance Insurance and Financial Services Inc.
- Term of Coverage: September 1, 2024 to September 1, 2025
- Students must have Manitoba Health or provincial healthcare replacement coverage to be eligible under this plan.
- Coverage is provided, subject to the Terms and Conditions of Master Policy 100005613 on file with The Manitoba School Boards Association.
- This coverage compliments but does not replace the Voluntary Student Accident Insurance coverage. This program provides coverage in addition to benefits available through Manitoba Health and any other group benefits program.
What happens if my student does not have Provincial Health coverage?
For those that don’t have Provincial Health, the Universal Student Accident Insurance will exclude treatment and/or services otherwise covered under a Provincial Health plan:
“No benefits or expenses are payable under this policy for treatment or services which are insured services or basic health services (i.e., Physician’s fees) under the provincial medical care or Hospital plan applicable to an Insured Person whether or not that Insured Person is covered thereunder.”
For example, if a student breaks their leg and is taken to the hospital in an ambulance, and needs a wheelchair and physiotherapy; the ambulance, rental of a wheelchair, and physiotherapy would be covered under the Universal Student Accident (all subject to adjudication and applicable maximums). However, all hospital related costs including x-rays, doctor fees (which can be significant), cast, and subsequent follow-up appointments are not covered by the Universal Student Accident plan as they are insured services/basic health services otherwise covered by Provincial Health. These costs will be the responsibility of the parent/guardian in the absence of Provincial Health.
What if we just moved to Manitoba?
From another Canadian Province/Territory:
If you just moved to Manitoba, you may have coverage from another Province/Territory. You will need to confirm if your prior province/territory coverage is still active; prior coverage remains in effect until the first day of the third month after moving to Manitoba. You should apply to Manitoba Health within 3 months of arrival to avoid any delays.
From another country:
Coverage eligibility is based on legal residency, please contact Manitoba Health directly to confirm process.
Manitoba Health Application:
