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Non-Resident Child Care
~What is it?
 Nationwide's GrouProtector Insurance is a highly practical insurance plan that provides great peace-of-mind to individuals and groups engaged in a wide variety of activities. 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.
Voluntary enrollment plans are not available.
~Is there a choice of benefits?
Yes. You may choose any one of the four classes available.
~What are the covered activities?
- Supervised activities (excluding interscholastic sports for grades 7 through 12) sponsored and/or endorsed by the plan sponsor; and
- Direct travel to and/or from such activities
~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 eyeglasses, 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. Nor will we pay benefits for loss or expenses resulting from: (4) intentional self-destruction or an attempt at is or intentional self-inflicted injury; (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 licenses 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 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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