This Program provides Accident Medical insurance coverage for participants of the Insured’s event or activities. Coverage is afforded to registered participants while participating in the insured activity.
These Accident Medical plans can be written on a short term or annual basis depending on the activity being insured, and can be written in conjunction with a General Liability policy or on a stand alone basis. Accident Medical Plan Description
» $25,000 Maximum
» $100 Corridor Deductible
» $10,000 Death Benefit
» $10,000 Double Dismemberment
» $5,000 Single Dismemberment
» Dental – Reasonable Expense
» Outpatient Physical Therapy – Reasonable Expense
» Outpatient Orthopedic Appliances – Reasonable Expense
» Full Excess Coverage (In Pennsylvania coverage is $100 Primary Excess)
Key Definitions
| » | Accident means a sudden, unexpected and unforeseen, identifiable event causing bodily Injury, directly produced by specific accidental contact with another body or object. The Accident must occur while the Insured is covered under this Policy. |
| » | Injury means bodily injury caused by an Accident. The Injury must occur while this Policy is in force and while the Insured is covered under this Policy. The Injury must be sustained as stated in the Policy Schedule of this Policy, except where specifically stated otherwise in this Policy. |
| » | Reasonable Expense means the usual, reasonable and customary fee or charge for the services rendered and the supplies furnished in the area where and at the time such services are rendered or supplies furnished, as determined by Us. Such services and supplies must be recommended and approved by a Physician. |
Notable Exclusions (see Policy for complete list)
1. Injury caused by war or acts of war; suicide or intentionally self-inflicted Injury, while sane or insane (in Missouri while sane); violating or attempting to violate the law; the taking part in any illegal occupation; fighting or brawling except in self defense; being legally intoxicated or under the influence of alcohol as defined by the laws of the state in which the Injury occurs; or being under the influence of any drugs or narcotic unless administered by or on the advice of a Physician; 2. Riding in any aircraft, unless as a fare-paying passenger on a scheduled commercial flight; 3. Injury sustained as a result of operating, riding in or upon, or alighting from a two-, three-, or four-wheeled recreational motor vehicle or snowmobile; 4. Medical expenses for which the Insured is entitled to benefits under any (a) Workers’ Compensation act; or (b) mandatory no-fault automobile insurance contract; or similar legislation; 5. Sickness or disease, except pyogenic infections caused by an accidental cut or wound; 6. Treatment for hernia, regardless of cause, Osgood Schlatter’s disease, or osteochondritis.
Coverage available in all states and coverage includes state specific definitions, limitations and exclusions. This is a brief description of the coverage. All information subject to the policy as issued. If there is a conflict between this description and the policy, the policy will prevail.
Note - Information provided above is intended to be a brief description of coverage, inclusions, exclusions, and conditions. A complete sample policy is available upon request.
