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Catastrophic, Concussion and Tournament Play Insurance Resources

Questions regarding the information below can be directed to Rich Matter.

Catastrophic Insurance

Concussion Insurance

We are pleased to provide member schools the HeadStrong Concussion Insurance Program. Developed to insure student-athletes/participants from the high cost of concussion treatment and neurological follow up.

The coverage period is August 1, 2023 - July 31, 2024. All students are eligible for coverage in grades 7-12, participating in activities, practice or play of sports, at the Varsity, Junior Varsity, B-Squad and Sophomore level.

Program highlights include:

  • Premium is 100% paid by the MSHSL. There is no cost to member schools or student participants
  • $0 deductible and no co-pays
  • $25,000 Accident Medical Concussion Coverage (includes neurological follow-up)
  • Coverage is secondary/excess to any other valid and collectible insurance
  • Coverage will become the primary payor, if no other insurance is available
  • 1-year benefit period from the injury date
  • Accidental Death and Dismemberment $5,000
  • No restrictions on specific doctors
  • No referral needed for treatment


Below is a “SAMPLE” Word document schools can use to introduce the program to parents/guardians.

Tournament Play Insurance

We provide tournament play insurance that begins at the first game of the Sub-section tournament and continues throughout Section and State tournament contests in each League-sponsored program. 

  • Plan of Benefits: Accident Medical Expense Benefits - $50,000
  • Including Expanded Medical
  • Scope of Coverage: Full Excess
  • Deductible: $100.00
  • Accidental Death Benefit: $10,000
  • Accidental Dismemberment Benefit up to: $10,000