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GrouProtector Accident Medical
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​Amateur Sports Participant Accident

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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

-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 

Excess (next-to-pay) medical plan

-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

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.

Covered members

You are required to pay premium for 100% of the players. For no additional cost, the following group members are covered automatically:          
-Managers -Officers
-Coaches -Official volunteers designated by officers
If an entire league of teams is insured under one policy, the following individuals are also covered:​ ​
-​Umpires or referees-Player agents
​-Official scorers and timers-Safety officers

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:
-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
Benefit Amounts 
Medical expense benefits are flexible with choice of deductible and benefit maximums.​
-​$0 to $100 deductible amounts
​-$5,000 to $250,000 medical expense maximum​ 
​-$10,000 to $25,000 accidental death and specific loss benefits​ 
*Note: Benefit limits may vary by sport (e.g. tackle football medical expenses have a $100,000 maximum).​ ​