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Flag, Tag, Touch & Tackle Football Teams & Leagues
~ What is it?
 Nationwide's GrouProtector Sprots Accident Insurance is a highly practical insurance plan that provides greater peace-of-mind to players and other individuals associated with amateur flag, tag, touch and tackle football teams and leagues. It gives all eligible persons the security they need and deserve.
Individual names are not required as 100% of all eligible players are insured. Each player is protected - as well as the league and/or team itself - because all eligible persons are automatically covered.
Voluntary enrollment plans are not available.
~ What are the covered activities?
- A scheduled, approved and supervised team or league activity. These include practice sessions or games of the sport involved, trips or tours, fundraising drives, parades, picnics, concession stand operation and care of the playing court or field.
- A team or league sponsored and/or endorsed clinic or all-star practice session or game
- Direct travel to or from the meeting place to take part in any such practice session, game or clinic.
~Who is covered?
Premium automatically includes coverage fro the following:
- Players, managers, coaches, cheerleaders and officers
- Persons specifically designated by one of your officers to assist without pay in an assigned team or league volunteer duty to be conducted during a given period of time.
- If all teams of a league are insured under the policy, the league umpires, referees, official scorers and timers, player agents and safety officers are also covered.
~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; (4) diathermy, light, shortwave, and other heat or physiotherapy treatments in excess of the first five of all such treatment while the insured is neither hospital confined nor under the care of a home health care agency. Nor will we pay benefits for loss or expenses resulting from: (5) intentional self-destruction or an attempt at it or intentional self-inflicted injury; (6) war or an act of war, declared or undeclared; or (7) 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 through 6 on the application (including TEAM names and player ages). Date and sign where indicated.
- Send the complete application and your check made payable to nationwide Insurance, to your Nationwide agent before the desired effective date
When we receive your completed application and premium payment, we will send your policy, certificates (if required in your state), claim forms and instructions.
~What are the covered benefits?
Death and Specific Loss Benefit - If, as a result of injury, an insured dies or suffers a specific loss within one year from the date of the accident causing the injury, GrouProtector will pay a benefit as specified below (the one year limit does not apply to the lost of life benefit in a WV contract):
- The full face amount for loss of life
- 75% of the face amount for loss of an arm or leg
- 50% of the face amount for loss of a hand, foot, sight of an eye, or speech
- 25% of the face amount for loss of hearing of each ear or the thumb and index finger of the same hand.
The total payment for all of the losses of an insured because of any one accident will not be more than the face amount shown in the application. The loss of the thumb and index finger of the same hand benefit will not be paid if the loss of the hand or arm benefit applies. The loss of the hand or foot benefit will not be paid if the loss of the arm or leg benefit applies.
Medical Expense Benefit - If, as a result of injury, an insured incurs covered expenses starting within 90 days from the date of the accident causing the injury, GrouProtector will pay, less the deductible (if any) shown in the application and not to exceed the maximum benefit amount shown therein, all covered expenses incurred within 3 years from such date.
Covered Expenses - mean the reasonable and customary charges for local professional ambulance service to or from a hospital and/or surgical center as well as the following reasonable and customary charges for treatment, services, and supplies provided or prescribed by a doctor:
- Hospital and surgical center care
- Medical treatment
- Licensed nursing care
- X-rays and lab exams
- Prescription drugs
- Therapeutic services and supplies
- Dental treatment as a result of injury to sound, natural teeth
- The following licensed home health care services and supplies provided instead of an otherwise required hospital or skilled nursing home confinement: 1) physical, occupational, respiratory, and speech therapy; 2) the services of a home health aide; and 3) medical supplies.
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