Missouri Revised Statutes Title XXIV. Business and Financial Institutions § 376.425. Student accident policies, may not limit surgical benefits, when

(1) “Institution of higher learning”, any college or university, or “institution” as that term is defined in section 173.510;

(2) “Sponsoring or endorsing entity”, the same as that term is defined in section 376.422;

(3) “Student accident policy”, any individual, franchise, group or blanket policy of accident or health insurance which policy is offered to students of a sponsoring or endorsing entity which is an institution of higher learning and under which policy the insured person pays all or substantially all of the cost of his insurance.