Accidental Death, Accidental Medical Expense, Dismemberment
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 principal 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 usual and customary 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.
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 Health Care Plan benefits or by any other valid and collectible medical insurance the provider may have.
Deductible - $25.00 per occurrence
Accident Insurance benefits are payable for injuries that result directly and independently of all other causes, from a covered accident, while coverage is in effect.
EXCLUSIONS
This Policy does not cover any loss resulting in whole or part from, or contributed to by any of the following even if the immediate cause of the loss is an accidental bodily injury, unless otherwise covered under this policy by Additional Benefits:
- Suicide, self-destruction, attempted self-destruction or intentional self-inflicted injury while sane or insane. This exclusion only applies to the ACCIDENT MEDICAL AND DENTAL EXPENSE BENEFIT.
- War or any act of war, declared or undeclared. This exclusion does not apply to terrorism.
- Sickness, disease or any bacterial infection. This does not exclude bacterial infection that results from an Injury; or involuntary ingestion or inhalation of poison, drugs, narcotics, gas or fumes, or other deleterious substances; or accidental food poisoning.
- Voluntarily taking any narcotic, unless the narcotic is prescribed by, and taken according to the directions of, a Physician.
- Eyeglasses, contact lenses, hearing aids.
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Who is Eligible?
- A provider's own children. (Accident coverage only.)
- Children for whom the provider and the home is licensed to care.
Coverage is provided for...
- Accidental injury while on the child care premises.
- Accidental injury occurring elsewhere, while under direct supervision of provider.
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Liability
This Insurance covers...
- Bodily injury and property damage resulting from
your child care operation
- Personal injury including libel, slander, wrongful
eviction (or entry), and malicious prosecution
- Incidental malpractice liability covering claims for failure to provide needed medical care, diet, or special needs
- Abuse and Molestation coverage $100,000 per occurrence, $100,000 aggregate limit
- Coverage for Animal Injury $25,000 per occurrence, $50,000 aggregate limit
- Field trips
- Landlord as additional insured
- No deductible
- Coverage is for licensed in-home child care providers
- This policy excludes coverage for automobile liability
- This policy does not cover worker’s compensation
- This is a brief description of coverage and is not intended to amend or alter the conditions and terms of the policy
- A complete policy is available for review from the Adults & Childrens Alliance office
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Optional Non-Owned Automobile
Covers you when a non-owned automobile is used in your business. Limits: $125,000 bodily injury and property damage.
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