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Emergency Volunteer Groups Application
Emergency Volunteer Groups Application for Indiana
Emergency Volunteer Groups - Group Accident Medical
When you're out there helping others, sometimes accidents happen. That's why we offer GrouProtectorSM group accident medical
insurance - to give you peace of mind and help you keep the focus on the job at hand.
Our policy provides medical expense benefits as well as death and specific loss benefits to all volunteer emergency group members.
This means if the insured has medical expenses due to an accident, we will pay all covered expenses (less the deductible).
Two types of plans help you choose the best coverage 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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100% of all the following group members are insured:
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| - Members (volunteer or paid) of an insured volunteer group including individuals specifically requested to assist in an emergency | | |
| situation by a group official |
| - Members of an insured auxiliary group |
| - Members of an insured youth group |
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| - | Emergency runs |
| - | Drills, tests of trials of equipment | | |
| - | Participation in parades | | |
| - | Any group-scheduled, approved and supervised activity of the group or to an association of volunteer groups | | |
| | to which they belong | | |
| - | Direct travel to and/or from these activities | | |
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| Coverage excludes participation (including practice and play) of league sports. | | |
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Benefit Amounts | | |
Medical expense benefits are flexible with choice of deductible and benefit maximums. |
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| - | No deductible | | |
| - | $25,000 to $50,000 medical expense maximum | | |
| - | $5,000 to $25,000 accidental death and specific loss benefits | | |
| Benefit limits may vary. |