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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 | | |
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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.
| - | 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
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| - | Club sponsored and supervised activities are covered |
| - | League sports and snow skiing are excluded | | |
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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 | | |
| - | $50,000 Medical expense benefit | | |
| - | $1,500 to $7,500 Accident death benefit | | |
| - | $3,000 to $15,000 Specific loss benefit | | |
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