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Mandatory Accident Medical Plan

Pays the medical bills of an injured participant or staff member.

Who is covered?
All participants of the Policyholder specified in the application are covered while participating in sponsored and supervised 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.

What are the Accident Medical Policy Limits?

$25,000 Participant Medical Expense Benefit
$10,000 Participant Accidental Death & Dismemberment Benefit
$250.00 Deductible

Accident Medical Expense Benefit
If the Insured 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 the accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit, subject to the applicable deductible amount (if any). The first such expense must be incurred within 90 days after the date of the accident. “Eligible expense” means charges for medically necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

  • Medical and surgical care by a physician.
  • Radiology (X-rays).
  • Prescription drugs and medicines.
  • Dental treatment of sound natural teeth.
  • Hospital care and service in semi-private accommodations, or as an outpatient.
  • Ambulance service from the scene of the accident to the nearest hospital.
  • Orthopedic appliances necessary to promote healing.

Excess Coverage
This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

Accidental Death and Dismemberment Benefit – $10,000
If a covered injury results in any of the losses specified below within 1 year (not applicable in Pennsylvania) after the date of the accident, the Company will pay the applicable amount:

  • Full Principal Sum for the loss of life.
  • Full Principal Sum for double dismemberment.
  • Full Principal Sum loss of sight or both eyes.
  • 50% of the Principal Sum for loss of one hand, one foot or sight of one eye.
  • 25% of the Principal Sum for loss of index finger and thumb of same hand.

“Member” means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight. If the Principle 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.

Policy Exclusions and Limitations
This plan does not cover any loss to or resulting from: 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 threat or any self-inflicted injury (in Missouri this applies only while sane).

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. The repair or replacement of any artificial dental restoration. Exam for, prescription for, or the purchase of eyeglasses or contact lenses or hearing aids. 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.

What is the Premium?
All premium rates are based on the age of the participants. Coaches, managers, staff members, officers, directors, and volunteer workers are included in the coverage at no charge. Click here for an instant quote

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