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GrouProtector Accident Medical
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​Clubs Participant Accident

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Click on the link below to open our PDF application. It's easy to complete and return using the instructions on the application.

Clubs Accident Medical Application


Clubs - Group Accident Medical

Being a member of a club is a great way to spend time with people with people who have similar interests. But sometimes accident happen. That's why we offer GrouProtectorSM group accident medical insurance - to give you peace of mind and help you keep club activities fun and worry-free.

Our policy provides medical expense benefits as well as death and specific loss benefits to all members.

Providing options to build the best policy 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

-All members                                               
 - Any guests attending club meetings who are being encouraged to join 
-Guest coverage applies to meetings only; they are not covered at other club-sponsored events

Covered activities

-Club sponsored and supervised activities are covered                                                
 - League sports and snow skiing are excluded 


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.​
-​No deductible
​-$50,000 Medical expense benefit​ 
​-$1,500 to $7,500 Accident death benefit​ 
​-​$3,000 to $15,000 Specific loss benefit