Welcome to a Better Plan
Implemented in the 1993-1994 academic year, the S.A.I.N. Accident Program was a direct response to an expressed need of California community colleges to manage and control the increasing costs of student and athletic insurance.
S.A.I.N. was designed through the combined efforts of Student Health Services Directors, Athletic Directors, Risk Managers, and C.B.O.s (of several colleges), Anthem Blue Cross, and Student Insurance. Twenty-four community colleges participated in that initial year; the program has more than tripled since then in college participation and insured students.
An advisory council, the "Oversight Committee," from various member colleges review the rate structure and plan in a yearly off-site meeting. Our program has strengthened and the rates controlled through the members' volunteer efforts, making the insurance program work to the advantage of community colleges, incorporating several key elements: rate groups, plan design, claims experience, and comprehensive coverage