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NCAA Bylaws on Athletically Related Medical Expenses


3.2.4.8 Certification of Insurance Coverage. An active member institution must certify insurance coverage for medical expenses resulting from athletically related injuries sustained by the following individuals while participating in a covered event: (Adopted: 4/28/05 effective 8/1/05)
(a) A student-athlete participating in a covered event in an intercollegiate sport as recognized by the participating institution; and
(b) A prospective student-athlete participating in a covered event who has graduated from high school and signed a National Letter of Intent or an institution's written offer of admission and/or financial aid to participate in an intercollegiate sport at a participating institution.

3.2.4.8.1 Amount of Coverage Insurance. Such insurance coverage must be of equal or greater value than the deductible of the NCAA catastrophic injury insurance program and may be provided through the following sources: (Adopted: 4/28/05 effective 8/1/05)
(a) Parents' or guardians' insurance coverage;
(b) Participant's personal insurance coverage; or
(c) Institution's insurance program.

3.2.4.8.2 Athletically Related Injuries. For purposes of this bylaw, athletically related injuries are injuries that are a direct result of participation in a covered event. (Adopted: 4/28/05 effective 8/1/05)

3.2.4.8.3 Covered Event. A covered event includes the following: (Adopted: 4/28/05 effective 8/1/05)
(a) Any intercollegiate sports activity, including team travel, competition, practices and conditioning sessions during the playing season (as defined in Bylaw 17.1.1);
(b) An NCAA-sanctioned competition in which the insured person is an official competitor; or
(c) Practice and conditioning sessions that are authorized, organized or directly supervised by athletics department personnel at the member institution other than during the playing season. Such sessions must occur on campus or at approved off-campus facilities as part of an intercollegiate athletics activity.

For insured student-athletes or prospective student-athletes who compete in individual sports, off-campus intercollegiate athletics activities must be authorized by athletics department personnel at the participating school and take place at approved locations.

16.4.1 Permissible. Identified medical expense benefits incidental to a student-athlete's participation in intercollegiate athletics that may be financed by the institution are: (Revised: 4/29/04)

(a) Medical insurance; (Revised: 8/4/08)

(b) Death and dismemberment insurance for travel connected with intercollegiate athletics competition and practice;

(c) Drug-rehabilitation expenses;

(d) Counseling expenses related to the treatment of eating disorders; (Adopted: 1/11/89)

(e) Special individual expenses resulting from a permanent disability that precludes further athletics participation. The illness or injury producing the disability must involve a former student-athlete or have occurred while the student-athlete was enrolled at the institution, or while the prospective student-athlete was on an official paid visit to the institution's campus. An institution or outside agency, or both, may raise money through donations, benefits or like activities to assist the student-athlete or a prospective student-athlete. All funds secured shall be controlled by the institution, and the money shall be used exclusively to meet these expenses;

(f ) Glasses, contact lenses or protective eye wear (e.g., goggles) for student-athletes who require visual correction in order to participate in intercollegiate athletics;

(g) Medical examinations at any time; (Revised: 4/29/04)

(h) Expenses for medical treatment (including transportation and other related costs). Such expenses may include the cost of traveling to the location of medical treatment or the provision of actual and necessary living expenses for the student-athlete to be treated at a site on or off the campus during the summer months while the student-athlete is not actually attending classes. Medical documentation shall be available to support the necessity of the treatment at the location in question; and (Revised: 4/29/04)

(i) Medical expenses (including surgical expenses, medication, rehabilitation and physical therapy expenses and dental expenses). (Adopted: 9/6/00, Revised: 4/29/04)

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