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Youth Groups Accident Medical Application
Youth Groups- Group Accident Medical
Playing games can put a smile on anyone's face. But 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 having fun.
Our policy provides medical expense benefits as well as death and specific loss benefits to all youth group members and any guests attending youth group meetings who are contemplating membership.
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 the following individuals are insured:
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| - Members and/or counselors | | |
| - Any guests being encouraged to join who are attending meetings |
| - Guest coverage applies to meetings only; they are not covered at other sponsored events |
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| - | All sponsored and supervised activities are covered |
| - | Direct travel to and from group-sponsored activities | | |
| - | These groups are eligible for coverage: | | |
| | Amateur youth choirs | Future Farmers of America | |
| | Baton groups | Junior firefighters | |
| | Church groups | Junior police | |
| | DeMolay | Majorettes | |
| | Drill teams | Marching bands | |
| | Drum and bugle corps | Scouting organizations | |
| | 4-H clubs (excluding horseback riding clubs) | And other youth organizations/groups | |
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| League sports and snow skiing are excluded; horseback riding groups and sports groups are not eligible. | |
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Benefit Amounts | | |
Covered expenses are paid, up to the maximum benefit amount, starting within 90 days of an accident causing injury and up to 3 years after it: |
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| - | No deductible | | |
| - | $50,000 Medical expense benefit | | |
| - | $1,500 to $7,500 Accidental death benefit | | |
| - | $3,000 to $15,000 Specific loss | | |
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