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Names Won't Hurt Them!
 You're not too worried about a minor cut, scratch or bruise a child receives. They're common to all youngsters. A serious accident creates a variety of problems and you are concerned about who will pay the medical bills. If a serious accident did occur and you wanted to help pay the medical expenses, could the school's treasury withstand a financial impact? Medical costs could easily be far in excess of the funds in the treasury.
The Hartford's "Special Risk Pre-Schooler Accident Insurance" can help relieve an organization of this potential problem.
Eligible Groups
Nursery or Kindergarten Schools, Licensed Day Care Centers and Project Head Start are eligible for this program.
Who Is Covered
All registered students (or enrollees) of the Policyholder will be covered. Teachers and Head Start supervisors may be insured at the option of the Policyholder, but, if so, all must be covered.
When They Are Covered
Students (and teachers or supervisors) are covered while participating in Day Care (under age 7) activities or After School Care (age 7 and over) activities sponsored and supervised by the policyholder, while traveling with a group in connection with such activities or while traveling directly between school and home. Travel for Head Start participants and supervisors is covered only while in a vehicle designated by the Program Director and driven by an appointed licensed driver.
General Information
All Day Care children must be included in the policy. No name list is required, but a premium must be paid for each person to be insured. Those persons joining the group while the policy is in effect will be covered automatically until the policy expiration date - WITHOUT ADDITIONAL CHARGE. The total premium for the policy is payable when insurance becomes effective. No refunds will be made for persons who leave the group before the policy period expires.
This program can provide coverage for children age 7 and over for after school Day Care Center activities only, provided the number of children age 7 and over does not exceed 25% of the total number of children to be covered. It is not the intent of this program to provide coverage for this age group while they are participating either in normal school time activities in public or private schools, or in after school "latchkey" activities.
In the following states there must be a minimum participation of 10 lives: Colorado, Minnesota, New Mexico and North Carolina.
Programs are also available for pre-schools either specializing in the care of handicapped children, or where children age 7 and over make up more than 25% of the total enrollment. Contact your Hartford agent for details.
Eligible Groups
~ Accidental Death and Dismemberment
Pays the following lump sum benefits for accidental loss of life, limbs, or sight within 180 days of a covered accident. If more than one loss results from the same accident, only the largest applicable benefit will be paid.
| Life |
$2,000 |
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Both hands or both feet or sight of both eyes, or; one
hand and one foot, or; hand or foot and sight of one eye |
$10,000 |
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| Either hand or foot |
$5,000 |
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| Sight of one eye |
$5,000 |
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| Thumb and index finger or either hand |
$2,500 |
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~ Accident Medical Expense
 Pays incurred expenses for necessary medical or surgical treatment, services or supplies if the first expense is incurred within 26 weeks of the date of the accident. For any one accident, covered expenses will be paid up to $20,000 if they are incurred within two years of the date of the accident. However, the maximum amount payable for dental treatment, services, and supplies required as the result of each accident is $1,000. An alternate program with a cost-saving $100 deductible is also available.
~ Excess Coverage
 In certain states, lower rates are also available if the Accident Medical Coverage is purchased on an excess basis over and above other group blanket or franchise health insurance coverage; other group hospital or medical service plans and prepayment coverage; any coverage under labor management trustee plans, union, welfare plans, employer organization plans, or employee benefit organization plans; coverage under any governmental program, coverage required or provided by any statute and automobile reparations insurance (no-fault) coverage.
~ Exclusions
- Sickness or disease or medical or surgical treatment thereof, except pus-forming infection which shall occur through an accidental cut or wound.
- Intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane.
- Injury sustained while in or on any moving aircraft or in falling or descending therefrom or therewith, except while a passenger in or on, boarding or alighting from, an aircraft operated by a passenger airline on a regularly scheduled passenger trip over its established route.
- Expenses incurred for the repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration.
- Loss resulting from war or any act of war, whether war is declared or not.
- Injury sustained while in any of the armed forces (land, water or air) of any country or international authority at war, where war is declared or not, or engaged in any armed conflict.
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