Insurance Coverages
Blanket Accident Insurance
Rates
Who is eligible?
Recreation Agencies and Commissions or individuals that are NRPA Public Agency members or:
Recreation Agencies and Organizations that are organizational members of the NRPA with a diversified program of organized sports and non-sports activities are eligible for this program.
Who is insured?
All registered participants, coaches, trainers and managers to age 70 who engage in supervised recreation activities sponsored by your organization will be covered under the policy.
When they are covered?
- managing or participating in scheduled activities sponsored by the member agency; or
- traveling as a member of a group under the supervision of an authorized representative or the member agency.
Accident Medical Expense Benefit
If a covered injury requires treatments by a licensed physician, the plan will pay the reasonable expense actually incurred by an Insured Person which is in excess of any medical expense benefits paid. Such reasonable expenses must be incurred within 156 weeks after the date of the covered accident.
- Usual and Customary Charge means the average amount charged by most providers for treatment, service or supplies in the geographic area where the treatment, service or supply is provided.
- Benefits are paid on an excess basis to other insurance coverage on the Insured Person which must be used first. In such cases there is no deductible and this insurance will apply to covered expenses no recoverable from other valid and collectible insurance. If the Insured Person is not covered by other insurance, the Excess Provision shall not apply and full benefits are payable as described less a Deductible of $200 per claim.
Benefits
If injury shall result in any of the following losses within 90 days of the date of this accident, the Company shall pay the following amounts. For loss of:
| For Loss of: | Benefit |
|---|---|
| Each Arm | 75% |
| Each Leg | 75% |
| Each Hand | 50% |
| Each foot | 50% |
| Sight of Each Eye | 50% |
| Speech | 50% |
| Hearing of Each Ear | 25% |
| Thumb & Index Finger of the Same Hand | 25% |
If more than one loss occurs as the result of one accident, only one benefit, the largest shall be payable.
Loss of hand or foot means severance through or above wrist or ankle joint; loss of eye means irrecoverable loss of sight; and loss of thumb and index finger means actual severance through or above metacarpophangeal joints.
Notable Exclusions: suicide, sickness, dental treatment, intoxication, replacement of hearing aids & felony. Please refer to this complete list of exclusions.
Terms of Insurance
Coverage will begin on the desired effective date specified in the applications, or the day following the date the application and check are mailed to Aon Association Services (as shown on the postmark), whichever is later. After becoming effective, coverage will continue through the master policy expiration date. Participants entering your plan after the effective date will be covered automatically without additional premium charge until your annual expiration date.
Please Note
This is a brief description of the important features of the insurance plan. It is not a contract of insurance. The descriptions contained here are not a complete description of all terms, conditions, and exclusions in the coverage. Please refer to your Accident Insurance Plan Description of Coverage for complete information. Please keep this information as a reference.
Insurance Underwriter
The accident policy is provided by Nationwide Life Insurance Company.