Yes — in the U.S., many schools (especially colleges and universities) can offer or arrange insurance coverage for students, but it depends on the type of school and policy:
1. K-12 Schools (Elementary, Middle, High School)
- Public schools generally don’t provide life insurance for students.
- However, some districts offer voluntary student accident insurance that parents can buy.
- This usually covers medical bills if a student is injured at school, in sports, or on a school trip.
- It normally does not pay money to the family if a child dies (not a death benefit like life insurance).
2. Colleges & Universities
- Universities often require or offer student health insurance (for medical care, not death).
- Some may offer accident coverage for injuries or fatalities during university-sponsored activities (like sports teams, labs, field trips).
- Rarely, schools may include a small accidental death benefit in their insurance plan, but it’s limited.
3. How Families Handle Life Insurance
- If parents want coverage that pays out money in the event of a student’s death, they usually buy a life insurance policy separately (either a child rider on their own policy, or a stand-alone student/child life policy).
- The payout goes to the family, not the school.
So in short:
- Schools don’t automatically give life insurance.
- Some offer optional accident insurance.
- For actual “death benefit” coverage, parents need to arrange their own life insurance policy.
Do you want me to also explain the difference between student accident insurance vs. student life insurance so it’s super clear?