Student Athlete Injury

As a student athlete, you may become injured. In the event of an injury that is during supervised and sponsored activities on behalf of the University, there is a policy in place that is designed to provide certain benefits for covered injuries. However, not all incidents or situations are covered, so it is important that you understand your responsibilities for access to the policy. 

• There is a two-year benefit period from the date of the covered accident. An injury is considered closed once you are cleared to participate from your injury by a team physician and/or the two years are exhausted. 
• The policy is excess, or secondary, in nature. All approved medical expenses must be submitted through any valid and collectible primary insurance before Penn’s policy can consider charges. 
• If injured in a covered accident, all treatments must be initiated and approved by Penn Sports Medicine. Treatment sought outside Penn Sports Medicine and Team Physicians must be approved by Penn Sports Medicine.
• Illnesses or conditions resulting from congenital defects are not eligible for benefits from the policy, even if these conditions manifest themselves through participation in Athletics at Penn. 

  Submitting a student athlete claim:

1. Athlete sustains a covered injury. 
2. Athlete’s team Athletic Trainer submits an injury claim to AG Administrators on behalf of the student athlete after initial physician referral has been made. 
3. Upon receipt of bill(s), athlete submits a copy of the front and back of the bill along with its corresponding insurance Explanation of Benefits to Insurance Coordinator, Olivia Kamara, at okamara@upenn.edu.  
4. The Insurance Coordinator uploads these documents to the student athlete’s AG Administrators claim. 
5. AG Administrators reviews and processes the claim and issues payment directly to the health system. 

If you are a student athlete and have questions about the above process, please consult with your team’s Athletic Trainer. Athletic Trainers are equipped to help you understand what is covered under the policy and navigate the claim process.