Because students perform clinical assignments in a health care arena where accidents may happen, such as needle sticks, and because clinical affiliate hospitals are unwilling to assume the risk of caring for students in such situation, MTSA provides an accident insurance policy to assure they have appropriate healthcare treatment for an untoward event. Although MTSA provides this personal school-related accidental/injury insurance policy, MTSA does not assume the student's medical care nor provide health insurance. This coverage applies only to school related activities. The student must carry personal health insurance at all times throughout the program. For more information, see the Additional Expenses section of this handbook.