Insurance for Students

Student Accident and Health Insurance

The Student Health Center provides only basic medical treatment and clinical assistance for sick or injured students.  The Student Health Center is not a full medical and accident insurance program.  Services are designed to help students stay healthy and provide support for achieving academic goals.  For full coverage each student should have their own personal insurance either independently or through their parent or employer.

California State University, Northridge students are NOT automatically covered by accident and health insurance just because they are students.  

Student Professional Liability Insurance Programs (SPLIP & SAFECLIP) 

What Are These Programs? 

SPLIP and SAFECLIP provide liability insurance for CSU students participating in internships, practicums, or other required academic field experiences. 

 

SPLIP (Student Professional Liability Insurance Program) 

Who Is Covered? 
Students enrolled in programs such as: 

• Health professions (e.g., nursing, allied health) 

• Social work or social welfare 

• Education or teaching credential programs 

This coverage is typically required when working at a host site (such as a hospital, school, or community agency). 

SAFECLIP (Student Academic Field Experience for Credit Liability Insurance Program) 

Who Is Covered? 
Students participating in: 

• Service learning or community service for academic credit 

• Volunteer work tied to coursework 

• Radio, television, or film academic programs 

What Do These Programs Cover? 

Both SPLIP and SAFECLIP provide: 

• General liability insurance 

• Professional liability insurance 

This coverage protects you while completing approved academic fieldwork or internships. 

Eligibility Requirements 

To be covered under either program, you must: 

• Be currently enrolled and in good academic standing 

• Be registered in a course that requires the internship or fieldwork 

• Be completing the experience for academic credit (including during academic breaks within the coverage period) 

• Be placed at a site that has a formal agreement with CSU requiring liability insurance 

A written agreement between the University and your placement site must be in place. For more information, visit the Contract Services. 
 

What’s the Difference? 

• SPLIP → For students in health and education-related programs 

• SAFECLIP → For students in service learning, volunteer work, or media-related programs

 

Student Travel Accident Insurance 
(CSU Policy 1041) 

What Is This Insurance? 
Student Travel Accident Insurance provides automatic medical coverage if you are injured while traveling off-campus for a university-related activity. 

Who Is Covered? 
This coverage applies to students who are required to travel as part of: 

• A class or academic program 

• A university-sponsored activity 

• Activities organized by a CSU-affiliated group 

When Are You Covered? 
You are covered when your travel is: 

• Required by the university 

• Approved and organized by CSU or a university affiliate 

• Part of your academic or official student activities (such as field trips) 

Important Limitations 

• This insurance is mainly intended for domestic travel (within the U.S.) 

• It does not cover international travel 

• It only applies to official university-related travel, not personal trips 

Athletic Injury Medical Expense (AIME) Insurance: 

Who Is Covered? 
This insurance covers currently enrolled CSU students who are involved in official intercollegiate athletics, including: 

• Student-athletes on a team roster 

• Students trying out or training to join a team 

• Student coaches, managers, athletic training students, and cheerleaders 

Coverage applies if you are injured while participating in approved athletic activities. 

What Activities Are Covered? 
AIME covers injuries that happen during official, school-related athletic activities, such as: 

• Intercollegiate games and competitions 

• Regular season events 

• Team practices and conditioning sessions 

• Other supervised team activities 

To be covered, the activity must be: 

• Organized, approved, or supervised by CSU staff 

• Part of an official CSU intercollegiate sport 

What Is Not Covered? 
The following activities are not covered unless directly connected to an official CSU team event: 

• Camps or clinics 

• Fundraisers 

• Alumni events 

• National or external competitions not run by CSU 

For cheerleaders, coverage only applies when activities are directly tied to an official CSU athletic team or event.

Club Liability Insurance Program (CLIP)

Coverage Overview
The Club Liability Insurance Program (CLIP) provides general liability coverage for officially recognized clubs affiliated with the California State University (CSU) system and CSU Alumni Associations. Eligibility is based on recognition under Executive Order 1068 and compliance with Article 15 (Subchapter 5, Chapter 1, Division 5, Title 5) of the California Code of Regulations.

Coverage applies to both on-campus and off-campus activities conducted as part of approved club operations.

Reporting Requirements
All officially recognized clubs must be reported to the Matador Involvement Center. Each year, clubs are required to submit:

• A summary of club programs and activities
• Current membership counts

Exclusions
This program does not cover activities of social fraternal organizations, including fraternities and sororities (both men’s and women’s organizations).