When an undergraduate researcher accidentally synthesized a diazonium salt at Texas Tech University in March and got himself an an ambulance trip to the local hospital, the incident raised a new issue for the school, wrote chemistry professor Dominick Casadonte to the ACS Division of Chemical Health & Safety e-mail list:
The student was wearing his PPE, everything was done with safety in mind.. He suffered only superficial lacerations on his hands. The biggest expense for him was the ambulance ride to the emergency room and being treated (no stitches were needed; I think he was given neosporin and sent home after a 2 hour wait).
When he contacted his insurance company, they wanted to know if they were the ones who should have to pay for the ambulance ride, etc. He asked the professor overseeing him (the student was doing undergraduate research for course credit, and according to legal, does not fall under workman's compensation). Texas Tech is a "self-insured" institution. The department has been instructed not to pay, as it would be an admission of liability, and could open the doors for payouts for any minor freshman chemistry lab accident, for example. The university legal would perhaps need to deal with the person's insurance company or a lawyer, should the student sue.
My question to all of you: We are researching how other universities deal with the issue of who pays for medical care for minor accidents. What do your universities do? How do you deal with the financial aspects of accidents? Are your institutions insured? If so, for liability only? Liability and damages to infrastructure?
I've said this before about workman's compensation for graduate students and postdocs, but now I'll apply it to undergraduates as well: Find out what your university's policies are and what you will have to pay for personally if you're injured. If expenses are going to come out of your health insurance, assuming that your insurance company doesn't protest, then what are your deductible and/or copays for ambulances or emergency room visits? Schools have a range of policies, as the responses to Casadonte's question illustrated.