Accident Medical Insurance
For
Day Cares, Nursery Schools
and Child Care Facilities

In the past, accident medical coverage for day cares, nursery schools and child care facilities was either too costly, too limited, or not available at all. Individuals were either forced to pay extremely high insurance premiums or to run facilities without proper insurance protection, therefore running the risk of personal exposure to lawsuits or a child or staff member's injury claim.

However, now a comprehensive program has been developed to specifically cover the inherent risks involved for today's day cares, nursery schools and child care facilities. This Accident Medical Insurance Program is designed to help eliminate the financial and emotional burden one can incur as a result of injury in today's child caring facilities.

The Accident Medical Coverage
Pays the medical bills of an injured child or staff member

Who Is Covered
All participants in the covered activity. Policyholder staff may also be enrolled under this Plan.

Covered Activity
(A) All activities sponsored and supervised by the Policyholder, including travel with a group in connection with such activities, and (B) travel directly and without delay to or from the Insured Person’s home or residence and the site of such activities.

Medical Expense Benefit
If the Insured Person incurs eligible expense as the result of a covered injury, directly and independently of all other causes, the Company will pay the reasonable expenses incurred for such expense within 1 year, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable Deductible Amount, not to exceed the Maximum Medical Benefit.The first such expense must be incurred within 60 days after the date of the accident. “ Reasonable expenses”means charges for the following necessary treatment and service, not to exceed those generally charged for similar care in the area where provided.

• Medical and surgical care
  by a physician
• Radiology (X-rays)
• Prescription drugs and medicines
• Dental treatment of sound natural teeth
• Hospital care and service in semi-private accommodations, or as an outpatient
• Ambulance service from the scene of the accident to the nearest hospital
• Orthopedic appliances necessary to promote healing

Accidental Death & Dismemberment
If a covered injury results in any of the losses specified below within 365 days after the date of the accident, the Company will pay the applicable amount.

• Full Principal Sum for loss of life
• Full Principal Sum for double dismemberment
• Full Principal Sum for loss of sight of both eyes
• 50% of the Principal Sum for loss of one hand, one foot or sight of one eye
• 25% of the Principal Sum for loss of index finger and thumb of same hand

“Member”means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or
ankle joint. Loss of eye means the total, permanent loss of sight. We will not pay more than the Principal Sum for this Benefit for all losses due to the same accident.

Exclusions and Limitations
This Plan does not cover any loss to or resulting from:

• intentionally self-inflicted Injury, suicide while sane or insane or any attempt thereat (in Missouri
  this applies only while sane);• voluntary self-administration of any drug or chemical substance
  not prescribed by, and taken according to the directions of the Insured Person’s Physician.
• participation in a riot or insurrection;
• an act of declared or undeclared war;
• active duty service in any Armed Forces of any country, and, in such event, the prorata unearned
  premium will be returned upon proof of service.This does not include Reserve or National Guard
  active duty or training unless it extends beyond 31 days;
• parachuting, except for self preservation;
• bungee jumping, flight in an ultralight aircraft, hang gliding;
• sickness, disease, bodily or mental infirmity or medical or surgical treatment thereof, bacterial infection, regardless of how contracted. This does not exclude bacterial infection that is the natural and foreseeable result of an Injury or accidental food poisoning;
• services or treatment rendered by a(n) Physician, Nurse or any other person who is:
  – employed or retained by thePolicyholder; or
  – is the Insured Person or anImmediate Family Member;
• flight in an Aircraft, except as a fare-paying passenger;
• dental treatment, except as otherwise provided, and only when Injury occurs to sound natural teeth:
• any loss for which benefits are paid under state or federal worker’s compensation, employers liability, or occupational disease law;
• treatment in any Veteran Administration or Federal Hospital, except if there is a legal obligation to pay;
• cosmetic surgery, except for reconstructive surgery due to a covered injury;
• charges which the Insured Person would not have to pay if He did not have insurance;
• eyeglasses, contact lenses, hearing aids;
• charges which are in excess of Usual, Customary and Reasonable charges.

Click here for Premium Rates

Minimum Premium: $300.00