Coverage Details for National
Family Childcare Insurance
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Accidental Death,
Accidental Medical Expense
& Dismemberment
(National)
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Who is eligible?
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A provider's own children. (Accident coverage only.)
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Children for whom the Provider and the home is licensed to care.
Coverage is provided for...
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Accidental injury while on the the Child Care premises.
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Accidental injury occurring elsewhere, while under direct supervision of
Provider.
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| This insurance covers...
Accidental Death & Dismemberment
Pays a lump sum benefit for accidental loss of life,
limbs, or sight occurring within one year of a covered accident. Death
Benefit is a principle sum of $2,000 per insured person. Dismemberment
benefit is a graduated payment schedule. Thumb and index finger of same
hand $2,500; any one limb $5,000. Two limbs maximum limit payable $10,000.
Only one amount, the largest you are entitled to, is paid for all losses
resulting from one accident. |
Accidental Medical Expense
Pays incurred expenses for necessary medical or surgical
treatment, services, or supplies if the first expense is incurred within
one year of the date of a covered accident. For any one accident, covered
expenses will be paid up to $10,000 if they are incurred within one year
of the date of accident. However, the maximum dental expense limit for
each insured is $1,000. |
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Liability
(National)
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Excess Coverage Provision
This Excess Coverage provision applies to Providers and
Substitutes only. (The amount otherwise payable under Accidental Medical
Expense Benefit will be reduced by the total amount of Medical Care benefits
or by any other insurance or similar plan the Provider may have.)
Deductible - $25.00 per occurrence. |
This insurance covers...
- Bodily Injury and Property Damage resulting from your
Child Care operation.
- Personal Injury including Libel, Slander, Wrongful
Eviction (or Entry), Malicious Prosecution
- Incidental malpractice liability covering claims for
failure to provide needed medical care, diet, or special needs
- Abuse and Molestation coverage $25,000 per occurrence.
$50,000 aggregate limit
- Field Trips
- Landlord as Additional Insured
- No Deductible
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Not Covered:
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Sickness, disease, or bacterial infection not caused by an
accidental cut, wound, or accidental food poisoning.
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Costs of medical services given by persons employed or retained
by policy holder or who is the covered person or a member of their family.
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Declared or undeclared war or act of war.
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Repair, replacement, or examination or fitting of eyeglasses
or contact lenses, hearing aids, braces and appliances.
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Coverage is for Licensed In-Home Child Care Providers.
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This is a description of coverage and is not intended to
amend or alter the conditions and terms of the policy.
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This policy excludes coverage for Automobile Liability.
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This policy does not cover Worker's Compensation.
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A complete policy is available for review from the Adults
& Childrens Alliance office.
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ADULTS & CHILDRENS ALLIANCE