Welcome to a Better Plan

S.A.I.N. brings together our expertise and legacy of providing student and athletic insurance coverage, successfully serving California's community colleges for nearly twenty years.
Our History

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

S.A.I.N. provides coverage for INJURIES suffered by regularly enrolled students while on (or off-campus) participating in approved school and/or district-approved club activities supervised by an insured district employee.


Coverage under the S.A.I.N. program extends to children in the colleges' childcare facilities whose parents are enrolled in the college.

• Limited coverage is extended to "official visitors" to the college who are injured while on the premises.

• 100% of the Plan treatment is covered and provided by the Anthem Blue Cross Preferred Provider Network (subject to plan deductible).

The plan provides accidental death benefits and dental injury benefits.

Reference must be made to the master contract provided to the college regarding specific limitations for dental, physical therapy treatment, and rental of durable medical equipment

Membership Benefits

All participating colleges' claims experiences are pooled together, better-averaging claims with a more stable premium rate structure.

Typically, student and athletic insurance programs base their premium rates on the individual college's claims experience, accounting for violent swings in premiums from year to year.

The S.A.I.N. program's effect minimizes rate changes by leveling the experience over a larger number of insured persons.