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Amateur Sports - Baseball
Amateur Sports - Football
Amateur Sports - Other Sports
Amateur Sports - Group Accident Medical
Sports are great for teaching teamwork and an accident can be a disruption. That's why we offer GrouProtectorSM group accident medical
insurance - to give you peace of mind and help you keep the focus on the field.
Our policy provides medical expense benefits for a player, coach or volunteer who is accidentally injured during a league or team activity.
This means if the insured has medical expenses due to an accident, we will pay all covered expenses (less the deductible). It's a great way to safeguard your insured group from medical costs associated with an accidental injury or death that occurs during a sponsored group activity.
Two types of plans help you choose the best coverage for your group:
Primary (first-to-pay) medical plan | | |
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| - | Ideal for groups with participants generally not covered by other insurance |
| - | Typically the first plan to pay claims after a covered event |
| - | Pays covered expenses regardless of other insurance coverage |
| - | Payments from other insurance coverage may be reduced in coordination with policy benefit limits |
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Excess (next-to-pay) medical plan | | |
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| - | Ideal for groups with participants generally covered by other insurance |
| - | Typically the last plan to pay claims after a covered event |
| - | Will not pay covered expenses to the extent paid by other insurance coverage |
| - | Essentially pays for other plans' deductibles and coinsurance |
| - | Also pays remaining expenses after benefits are exhausted from other plans |
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Depending on coverage levels, availability of primary and excess plan can vary. Deductibles for excess coverage must be paid out-of-pocket and cannot be paid for by other insurance plans.
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| You are required to pay premium for 100% of the players. For no additional cost, the following group members are covered automatically: |
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| - | Managers | - | Officers |
| - | Coaches | - | Official volunteers designated by officers |
| - | Cheerleaders | | |
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| If an entire league of teams is insured under one policy, the following individuals are also covered: |
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| - | Umpires or referees | - | Player agents |
| - | Official scorers and timers | - | Safety officers |
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Covered and excluded activities | | |
Coverage excludes public school, college, university, professional and semi-professional teams.
Scheduled, approved and supervised league or team activities are covered including: |
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| - | Practices | - | Trips or tours |
| - | Games | - | Fundraising drives |
| - | Practices and games for any team/league sponsored clinics or all-star events | - | Parades |
| - | Travel to or from the meeting place for any practice, game or clinic using | - | Picnics |
| | team managed transportation | - | Concession stand operations |
| - | Care and maintenance of the playing field | | |
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| Benefit Amounts | | |
| Medical expense benefits are flexible with choice of deductible and benefit maximums. |
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| - | $0 to $100 deductible amounts | | |
| - | $5,000 to $250,000 medical expense maximum | | |
| - | $10,000 to $25,000 accidental death and specific loss benefits | | |
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| *Note: Benefit limits may vary by sport (e.g. tackle football medical expenses have a $100,000 maximum). |
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