Requires health insurance coverage for certain student athlete physical examinations.

This bill requires all health insurance plans sold in New Jersey to cover annual physical examinations for student athletes before they can participate in school sports or camp activities. It applies to every type of health insurance plan (including individual, group, HMO, and state-purchased plans) issued or renewed after the effective date. The coverage must be provided at the same level as other preventive health services, such as routine check-ups. This policy change directly affects student athletes and their families by ensuring these required physicals are covered without extra out-of-pocket costs.