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Camps and Conferences Application
Camps and Conferences
Camp can be a great experience for kids, whether they're learning a new sport or just staying overnight with a youth group. But sometimes accidents happen. That's why we offer GrouProtectorSM group accident medical insurance - to give you peace of mind and help you keep camp activities and conferences fun and worry-free.
Our policy covers medical expense expenses with death and specific loss benefits. You can choose to cover participants only or both participants and staff.
Providing options to build the best policy 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 have two choices of who can be covered: |
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| - | Participants only | | |
| - | Participants and staff | | |
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| Scheduled, approved and supervised group activities are covered including: |
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| - | Any supervised camp or conference activity sponsored and/or endorsed by the camp or conference |
| (specific sports activities may be excluded, including snow skiing, martial arts, contact football, scuba diving, etc.) |
| - | Direct travel organized by the plan sponsor to and/or from these activities | | |
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| Benefit Amounts | | |
Covered expenses are paid, up to the maximum benefit amount, starting within 90 days from an accident causing an injury and up to 3 years after it. |
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| - | No deductible | | |
| - | $25,000 Medical expense benefit | | |
| - | $7,500 to $17,500 Accidental death benefit | | |
| - | $15,000 to $35,000 Specific loss benefits | | |