All registered degree-seeking and non-matriculating students are automatically enrolled in the accident insurance policy offered through Student Assurance Services (SAS). The student insurance plan is active from the beginning of the semester in which the student is registered. Students enrolled in the Fall semester pay a rate of $20 and are covered Fall, Winter and Summer semesters. Students enrolling for the Winter semester pay a discounted premium of $15 due to the shorter activity of the plan (effective for Winter and Summer semesters). Each student is covered 24 hours a day, for on-and off-campus accidents. The policy covers up to $25,000 per accident for necessary medical, hospital and emergency services and dental accident coverage up to $500 per accident with no deductibles.

The plan functions as follows: When the insured requires treatment, because of accidental bodily injury incurred while the policy is in force, by a licensed physician or registered nurse or needs hospital care or ambulance service, the company will pay the expenses actually incurred to a maximum of $25,000. Benefits for dental injuries are limited to $500 for repair and/or replacement of sound and natural teeth. Accident insurance does not provide coverage for preventative or pre-existing conditions. This plan is not meant to replace full coverage health insurance, but is in place to offset medical expenses in your time as a student.  See the insurance brochure in the Office of Student Affairs for more detailed information regarding coverage and claim procedures.

In Case of an Injury or Hospitalization

1. Receive treatment at the emergency room or outpatient facility after the incident.
2. Provide all relevant information to the facility. 
3. Obtain all itemized bills and explanations of benefits for the services provided.
4. Complete a claim form 

To place claims: Pick up the claim form from the Office of Student Affairs or email the Wellness office (wellness@ccsdetroit.edu). You will submit all documentation and forms to SAS through mail, fax, or email. Further instructions are on the form.

If you get hurt while working as a work study student

• Report the injury/accident to Campus Safety to fill out a report.
• If medical attention is required, you must go to Concentra Medical Center located at 2151 E. Jefferson, Detroit, MI 48207 with an authorization form from Campus Safety.
• All follow-up care must be done at Concentra Medical Center.
• If the injury is life threatening, call 911 or go to the nearest hospital. 

Health Insurance 

All students are urged to have health insurance. For full coverage health insurance, please contact the Wellness office or visit studentinsurance.com/Client/996. Self-enrollment is open at the beginning of each semester for domestic students who are in need of health insurance coverage. This Cigna Nationwide PPO plan offers comprehensive, affordable coverage for full and part time students.  International students are also enrolled in this plan as part of their annual registration process.