376.425.  Student accident policies, may not limit surgical benefits, when. — 1.  As used in this section, the following terms mean:

  (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.

  2.  No student accident policy issued or delivered for issuance in this state shall limit or exclude surgical benefits to one procedure when multiple procedures are done in one operating session.