https://completemarkets.com/company/ihcsales/Health-Savings-Accounts-Insurance/
Student Medical & Student Accident
Standard Security Life and Madison National Life began selling student accident and student health insurance (collectively, “Student Medical”) in late 2007. The student accident product is primarily offered to sports, youth, recreational and educational markets. A number of states recommend, and some require, that respective school districts offer, or provide, student accident insurance to their pupils. The student health insurance product is primarily offered to students enrolled in college and higher education institutions, and often is mandatory for students who do not otherwise have health coverage. This product is comprehensive, major medical coverage, which often has a managed care component through the institutions’ health facilities.
https://completemarkets.com/company/affinity-healthcare/physician-assistant-program/
Exclusive Professional Liability Program for Physician Assistants
Affinity Healthcare offers insurance agents and brokers access to a tailored and competitive Physician Assistant Professional Liability Insurance Program, underwritten by American Casualty Company of Reading, PA – a CNA company. Designed specifically for licensed physician assistants, this exclusive program provides comprehensive protection that fills the critical coverage gaps often left by employer-based malpractice policies.
Many PAs rely solely on their employer’s insurance, which may not cover moonlighting, volunteer work, or services rendered outside of normal work hours. Additionally, in the event of a malpractice claim, the employer’s insurer may prioritize the employer’s interests, potentially leaving the PA exposed. This standalone coverage ensures that your PA clients receive dedicated legal defense, 24/7 protection, and a full suite of policy extensions to safeguard their careers and reputations.
Program Highlights
• Limits up to $1,000,000 per claim / $3,000,000 aggregate – higher limits available
• Defense costs paid outside the policy limits
• Choice of occurrence, claims-made, or convertible claims-made* forms
• Available in all 50 states plus DC
• Competitive individual and group pricing options
• 24/7 coverage on and off the clock
Coverage Extensions Included
• License Protection – $25,000 per proceeding / $25,000 aggregate
• Sexual Misconduct Allegation Sublimit – $25,000 aggregate
• Deposition Representation – $10,000 per deposition / $10,000 aggregate
• Defendant Expense Benefit – $1,000 per day / $25,000 aggregate
• Personal Injury and Personal Liability – $1,000,000 per claim / $3,000,000 aggregate
• Information Privacy (HIPAA Violations) – $25,000 aggregate
• Medical Payments – $1,000 per person / $100,000 aggregate
• First Aid and Property Damage – up to $10,000
• Assault Coverage – $25,000 per incident
• Optional Endorsements: Service to Animals, Consulting Services Liability
Aesthetic Procedures Endorsement
PAs offering non-surgical aesthetic services can extend their coverage to include nearly 100 procedures through the Aesthetic Procedures Endorsement. This includes today’s most performed treatments such as Botox, dermal fillers, chemical peels, laser hair removal, and microdermabrasion—ideal for clients in med spa or cosmetic dermatology settings.
Available Discounts
• 35% off for part-time practice (under 24 hours/week)
• 50% off for retired PAs with active licenses
• 10% risk management credit for eligible 3-year course completion
• Special student rates for those still in school
*Physician assistants practicing in Florida, Indiana, and Louisiana are eligible for claims-made forms only. PAs in New York are not eligible for the convertible claims-made form.
Why Work With Affinity Healthcare?
As a trusted program administrator with deep expertise in healthcare professional liability, Affinity Healthcare delivers specialized solutions that help agents meet the unique needs of physician assistants. With national availability, flexible policy structures, and value-added endorsements, this program is an excellent fit for independent PAs, small group practices, and those working in dynamic or multi-setting roles.
Whether your client is a full-time PA in a hospital setting, a part-time provider in urgent care, or offering aesthetic services in a med spa, this program gives you the tools to deliver tailored protection with confidence.
Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.
All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.
Frequently Asked Questions
What types of accounts are a good fit for the Physician Assistant Program?This program is ideal for licensed physician assistants in independent practice, moonlighting, or offering aesthetic services. It also fits those who need coverage beyond what their employer provides.
Can this program cover aesthetic and cosmetic procedures?Yes. With the Aesthetic Procedures Endorsement, your PA clients can be covered for nearly 100 non-surgical cosmetic treatments, including Botox, dermal fillers, and laser hair removal.
Is this program available in all states?Yes. The program is available in all 50 states and the District of Columbia, although some policy form restrictions apply in certain states like Florida, Indiana, Louisiana, and New York.
Are there discounts available for part-time or retired physician assistants?Yes. Discounts include a 35% part-time rate for those working under 24 hours per week and a 50% discount for retired PAs maintaining an active license.
What carriers underwrite this program?The Physician Assistant Program is underwritten by American Casualty Company of Reading, PA, a member of CNA.
Need help placing an account? Connect with a market specialist.