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GrouProtector Accident Medical
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​JROTC and ROTC Units
Participant Accident

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

JROTC and ROTC Units Accident Medical Application


JROTC and ROTC Units - Group Accident Medical

Today's young leaders are determined to do their best. But sometimes accidents happen. That's why we offer GrouProtectorSM group accident medical insurance - to give you peace of mind and help focus on the task at hand.

Our policy provides medical expense benefits as well as death and specific loss benefits to all JROTC (Junior Reserve Officers' Training Corps) and ROTC (Reserve Officers' Training Corps) instructors and cadets.

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

100% of the following individuals are insured:
-JROTC and ROTC instructors and cadets
 - Any guests being encouraged to join who are attending meetings                                                                          
​-Guest coverage applies to meetings only; they are not covered at other sponsored events

Covered activities

-All sponsored and supervised activities are covered - excluding horseback riding, league sports and snow skiing                                     
 - Direct travel to and from group-sponsored activities 


Benefit Amounts 
​-$25,000 maximum Medical expense benefit​ 
​-From $2,500 to $5,000 Accidental death benefit​ 
​-From ​$5,000 to $10,000 Specific loss benefit