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Youth Sports Insurance |
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Basketball,
Soccer, Field Hockey, Flag/Touch Football, Tennis,
Swimming, Cheerleading, Volleyball, Track, Golf,
Cross Country, Ice Skating, Roller Hockey, Bowling,
Diving, Water Polo, Badminton, Art, Music, Choir
and Student Band Accident Insurance Coverage. |
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Accident Medical Insurance - $10,000 Excess Coverage
The Accident Coverage pays the medical bills of an injured student or staff member
Who Is Covered
All youth and adult students and staff members of the Policyholder are covered
while participating in sponsored activities. A member is also covered while
traveling, directly and without interruption, to and from any Policyholder
sponsored activity and his or her home or place of residence.
Accidental
Death & Dismemberment
If a covered injury results in any of the losses specified below within one
year after the date of the accident, the Company will pay the applicable
amount.
- Full
Principal Sum for loss of life ($10,000)
- Full
Principal Sum for double dismemberment
($10,000)
- 50%
of the Principal Sum for loss of one hand,
one foot or sight
of one eye ($5,000)
- 25%
of the Principal Sum for loss of index
finger and thumb of
same hand ($2,500)
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If the Principal sum is payable, no indemnity will
be paid for dismemberment. In any event, the
double dismemberment indemnity is the maximum
amount payable
under this Benefit for all losses resulting from
one accident.
Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as
the result of a covered injury, the Company will
pay the charges incurred for such expense within
52 weeks, beginning on the date of accident. Payment
will be made for eligible expenses not to exceed
the amount selected in your on-line quotation,
subject to a deductible amount of $100.00. The
first such expense must be incurred within 60 days
after the date of the accident.
Exclusions and Limitations
- Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
- The use of drugs or narcotics, unless administered under the advice of a physician.
- War or any act of war, whether or not declared.
- Participation in any riot or civil commotion.
- Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline.
- Suicide or any attempt thereat or any self-inflicted injury.
- Active duty service in the Armed Forces of any country, not including National Guard or training unless it exceeds 31 days.
Nor does the Plan cover:
- Service provided by any person or facility employed or retained by the Policyholder or member organization.
- Service provided by any member of the Insured Person's family or household.
- Dental treatment, except as the result of a covered injury, repair or replacement of any artificial dental restoration.
- Cosmetic surgery, except for reconstructive surgery due to a covered injury.
- Charges which the insured Person would not have to pay if He did not have insurance.
- Eyeglasses, contact lenses, hearing aids.
- Charges, which are in excess of Usual, customary and Reasonable charges
- Expenses payable under any Workers Compensation Law or similar legislation.
- Injury sustained while riding in or on any two or three wheeled engine driven vehicle, parachuting except for self-preservation, bungee jumping, flight in an ultralight aircraft, handgliding.
Premium Rates Per Player by Age Classification:
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Age
12 & U |
Ages
13 - 15 |
Ages
16 -18 |
Basketball,
Cheerleading & Volleyball
(5 Month Policy Term,
No Deductible)
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$
4.25 |
$
4.75 |
$
7.70 |
Flag & Touch
Football & Wrestling
(6 Month Policy Term, No
Deductible)
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$
7.40 |
$10.40 |
$14.10 |
Gymnastics & Weight
Lifting
(6 Month Policy Term, No Deductible) |
$
5.25 |
$
6.75 |
$10.60 |
Hockey,
LaCrosse, Polo & Rugby
(6 Month Policy Term,
$50 Deductible) |
$10.10 |
$12.65 |
$18.15 |
Archery,
Badminton, Bowling, Cross Country,
Fencing, Golf, Handball, Rifle, Rowing
Swimming, Tennis & Track
(6 Month Policy Term, No Deductible) |
$
2.45 |
$
2.90 |
$
3.75 |
The Minimum Policy Premium is $250.00
Team Discounts:
- 4
- 13 teams - 5%
- 14
- 23 Teams - 6%
- 24
- 33 Teams - 7%
- 34
- 43 Teams - 8%
If a different deductible is desired, call for
rates.
Rates Effective 1/1/04 - 12/31/04
Click here for Liability Insurance Coverage |
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