1) If your son or daughter has an accident at school and you have purchased the student insurance program, please obtain a claim form from the school principal's or athletic office or this website. This coverage is secondary, 'EXCESS' insurance, and may not pay for all medical expenses.  If you have primary insurance, you should stay in your primary insurance network in order to receive the maximum benefits. You must file a claim with your primary family insurance first. If you do not have insurance this coverage will pay up to the limits outlined on the Summary of Insurance.

2) Part B of the claim form will need to be filled out by the school official if the injury happened at school. The Parent is required to complete Part A and mail to KidGuard Insurance's claim office. Please follow the instructions printed on the claim form.

Click Here to Download a Claim     

Click Here to Download a Claim Form - Spanish

3) You will need to attach copies of all itemized medical bills. If you have other primary insurance you will need to file a claim with your primary insurance carrier and include a copy of the letter or statement from your primary insurance indicating the payments provided by them or their reasons for refusal to pay benefits to you.

4) It is the Parent/Legal Guardian’s responsibility to file a claim within 90 days from the date of accident. The school is not responsible for filing claims. However, they will provide you with a claim form or you can download one from this website or contact KidGuard Insurance (a division of Doxa Programs, LLC) to obtain a claim form. Please forward the completed claim form to KidGuard Insurance no later than 90 days after the date of accident to be eligible to receive any available policy benefits. You must file a claim with any other primary insurance, even if you have a deductible. This includes HSA, HMO or PPO plans. 

Complete the form and mail to KidGuard Insurance. For additional information call 1-800-432-6915. Please do not call the school. They do not keep information regarding claims.

E-Mail: Claims@KidGuardinsurance.com (for submitting claim forms, EOB's and itemized bills)
Mailing address: KidGuard Insurance, P.O Box 140926, Orlando, FL 32814
Reasons claims are delayed for processing:

• Claim Forms are not Completed In Full or Not Submitted.
•  Balance Due Statements, Balance Forward Statements, or Past Due Statements submitted instead of the correct Medical Itemized Bills (UB-04/92 or HCFA-1500) which are standard forms used by providers of service or Doctors.
•  Explanation of Benefits from Primary Insurance Carrier not provided with the correct bills.

You only need to submit ONE completed claim form for each accident. You do not have to send another claim form if you are submitting additional bills that come in later. PLEASE DO NOT CALL THE SCHOOL ABOUT THE STATUS OF A CLAIM PAYMENT OR TO ASK QUESTIONS ABOUT COVERAGE. Contact: KidGuard Insurance if you need answers to claim or coverage issues. The school does not keep records regarding claims. All claims are processed by KidGuard Insurance's claim office.When contacting KidGuard Insurance's office about a claim, please state the full name of your injured son or daughter and the SCHOOL DISTRICT where he or she attends school. We need the school name to reference the claim information for you. Generally, valid claims are processed within 7 working days after receipt of completed claim information.

KidGuard is a division of DOXA Programs, LLC, an Indiana limited liability company. All claims’ activities and services are performed and provided by DOXA Claims, LLC, a Florida limited liability company licensed as an insurance claims administrator in all jurisdictions in which services are provided. For more information regarding DOXA Programs, LLC, or DOXA Claims, LLC please visit our website at www.doxa.com/compliance.

FLORIDA LAW STATES: Any person who knowingly and with intent to injure, defraud or deceive any insurance company, files a statement of claim or an enrollment form containing any false or incomplete, or misleading information is guilty of a felony of the third degree.

WHERE TO SEEK MEDICAL TREATMENT

If a student has Primary Insurance they should stay in that primary insurance network even if they have a deductible. They must file a claim with any primary insurance coverage first to be eligible for the student accident insurance even if they have a deductible. If there is no primary insurance coverage, students may seek medical treatment from any licensed hospital or licensed physician and be eligible to receive the stated school policy benefits that are outlined in the enrollment application. Please refer to the top part of the enrollment application for a summary listing of policy benefits, limitations and exclusions.

The Insurance Company cannot regulate how much doctors or other providers of service charge. Doctors and Hospitals are allowed to establish and charge their own fee levels. Doctors and Hospitals may charge more than what the KidGuard Insurance accident insurance policy pays. The insurance benefits will be paid based upon the stated policy provisions. A summary of insurance is available on this website under the "Student Accident Insurance" link. Please retain this policy summary for your records.

For more information, please click on 'IMPORTANT LINKS' above