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Child Care Accident Medical Application
Child Care
If you provide day care services for children, then you are well aware that kids have lots of accidents. That's why we offer GrouProtectorSM
group accident medical insurance - to give you peace of mind and help you keep your child-care facility busy with happy children.
Our policy covers medical expenses and offers death and specific loss benefits. You have the option to cover just the children in your care or also cover your 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.
Group members covered under the plan | | |
| You have two choices of who can be covered: |
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| - | Enrolled children only | | |
| - | Enrolled children and staff | | |
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Covered and excluded activities | | |
| - | Program sponsored and supervised activities are covered | | |
| - | Direct travel organized by the covered group to and from these activities | | |
| - | Coverage is also excluded for interscholastic sports for grades 7-12. | | |
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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 | | |
| - | $5,000 Accidental death benefit | | |
| - | $15,000 Specific loss benefits | | |
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