Have you ever wondered about the medical insurance that the sports teams that your child/children are in at school or other sports arenas have to cover them in case of in while playing under the auspices of the sports arenas?

For youth sports teams accident medical insurance has either been too limited, too costly or not there at all! Most of the time, sports teams have had to run with no insurance of the right kind or to pay very high insurance premiums. By doing this they have had to risk the personal exposure of lawsuits and not being able to protect the kids.

A specific program has been developed to help cover the common risks involved in youth related sports. This program has been designed to help take care of the emotional and financial burdens placed on a family as a result of injury to a child in today’s athletic arena.

Those covered in the Policy are all the participants in sponsored activities ----- the key word here being ’ sponsored’. Traveling without any interruptions to and from the activity from the youth’s home is also covered if anything happens.
If there is a accidental death or dismemberment within a year of the injury here is what the policy will cover.

Full Principal Sum for loss of life.

Full Principal Sum for double dismemberment.

50% of the Principal Sum for the loss of one hand, one foot, or the sight of one eye.

25% of the Principal Sum of the loss of index finger and the thumb of same hand.

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

If there are eligible expenses within 52 of the date of injury, the Maximum Medical Expense Benefit will come into affect. The first eligible expense must come in the first 60 days. If the injured person has other insurance, this plan will not cover treatment or services that are available from the person’s main insurance.

Things that are not covered are: Any sicknesses of diseases that are not brought on from infections from the injury incurred.

Any drugs of narcotics, unless given under the advice of a doctor for treating the injury in question.

Any aerial navigation or doing anything like sky diving --- only fare -paying pasenger on a commercial airline.

Any self-inflicted injuries.

Dental coverage unless from the result of an eligible injury and no coverage at all for damage to any artificial appliances.

Any expenses incurred under Workers Compensation if that is something that is offered will under employment on a Sports Team or League.

Any sport on two or three wheeled vehicles.

This is something that every parent should check into to protect their children and themselves from lots of problems in the mist of an injury so that the parent knows that their children will get the care that that need. Find out all of the particulars before letting your child it going because it will be too later after the fact!