Auxiliary Police, Firefighters & Reserve Units
~What is it?
Nationwide's GrouProtector Insurance is a highly practical insurance plan that provides greater peace-of-mind to individuals and groups engaged in a wide variety of special events. it gives all eligible persons the security they need and deserve.
Individual names are not required as 100% of all eligible persons must be insured. Each person is protected - as well as the group itself - because all eligible persons are automatically covered.
~What are the covered activities?
Each of the activities checked in item 5 of the application which is sponsored and directly supervised by the plan sponsor; provided the date(s) of such activities and the anticipated number of eligible persons are shown on the Premium Report.
~ Who is Covered?
Eligible person include either:
- Participants only; or
- Participants and staff
~ What is the difference between our primary medical and excess medical plans?
- Our Primary Plan is usually "first in line" to pay a claim. It pays covered expenses regardless of most other plans.Other plans, however, may reduce their payments based on what we pay.- Our Excess Plan is usually "last in line" to pay a claim. It does not pay covered expenses to the extent they are collectible under most other plans. Thus, we need to know what others pay before we will pay. If there is no coverage, we will pay the same as primary.
Excess essentially "fills in" other plans' deductibles and coinsurance as well as pays remaining covered expenses after others have exhausted their benefits. If our excess plan has a deductible, it is "out-of-pocket" and cannot be satisfied by other plans.
~ What are the policy exclusions and limitations?
We will not pay benefits for expenses incurred for: (1) the examination, prescription, purchase or fitting of eye-glasses, contact lenses or hearing aids; or (2) treatment by a person employed or retained by the plan sponsor or its subsidiaries or affiliates and for which no charge is normally made; or (3) care or treatment by a person who ordinarily lives in the insured's home or is a parent, grandparent, spouse, brother, sister or child of either the insured or the insured's spouse (if a NJ contract, care or treatment furnished by a member of the insured's immediate family). Nor will we pay benefits for loss or expenses resulting from: (4) intentional self-destruction or an attempt at it or intentional self-inflicted injury (if MO contract, while sane); (5) war or an act of war, declared or undeclared; or (6) air travel unless the insured is a passenger on a regularly scheduled flight of a properly licensed commercial airline.
~ How do you apply for coverage?
- Complete items 1, 2, 5 and 6 on the application. Date and sign where indicated.Complete the "Premium Report" on the reverse side of the application. Date and sign where indicated.
- Send the completed application and Premium Report, along with your check made payable to Nationwide Insurance, to your Nationwide agent: Affiliated Underwriter's Inc. P.O. Box 1300 Winter Park,FL 32790 before the desired effective date.
When we receive your completed application, Premium report and premium payment, we will send your policy, certificates (if required in your state), claim forms and instructions.
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