Campers' Program (Countrywide)

• Availability
• Eligibility
• Who is Covered?
• When Are They Covered?
• Description of Coverages
• Plans and Rates
• Excess Coverage
• General Exclusions, Limitations and Definitions
• Underwriting
• General Remarks
• Camps for Individuals with Disabilities

Availability

This section is applicable for all states (except New York) where the Enhanced Campers' has not been approved. (Maine, Vermont, Connecticut, Maryland, Washington, Montana, South Carolina, Florida, Kansas)

For New York, refer to the New York Campers section.

This program is not available in all states. State exceptions may apply.

Eligibility

Non-Profit Organized Sponsored and Private Camps are eligible for coverage. The program is also available for non-profit organized sponsored camps for individuals with disabilities. Additional information concerning camps for individuals with disabilities may be found at the end of this section.

The program is not intended for camps organized as athletic camps, sports clinics, or senior citizen camps. Please refer to the Special Risk Accident program for camps in these categories.

Who is Covered?

All persons registered as campers must be insured. Counselors, janitors, cooks and similar employees may also be insureds at the option of the camp. This insurance will not cover children of camp employees or children of counselors, spouses of employees, or volunteers working on special events unless they are registered as campers or employed by the camp. Contact your Reporting Office for details.

When Are They Covered?

The Hartford's policy covers insured campers for sickness or injuries occurring during their camp period as follows:

1. While in regular attendance on camp premises;
2. While taking part in regularly scheduled, approved camp activities;
3. While traveling to or from camp activities in properly supervised groups; and
4. While traveling directly between home and camp, as long as that travel does not extend beyond 48 hours prior to or after the camper is in regular attendance at the camp.

Description of Coverages

Accidental Death and Dismemberment - pays the following to the Insured Camper or his/her beneficiary for losses that occur within 180 days* of an accident:

• For loss of life, one hand or one foot, or sight of one eye: the principal sum of the plan.
• For loss of both hands, or feet, or both eyes, or loss of hand and foot or hand and eye or foot and eye: Twice the principal sum of the plan.
• For loss of speech: One-half the principal sum of the plan.
• For loss of hearing, or loss of thumb and index finger of the same hand: one-quarter the principal sum of the plan.

The total amount payable for all losses resulting from any one accident can be as much as two times the principal sum of the plan, but will not exceed this amount. If loss of life occurs within 96 hours of the time of the accident, the total amount payable shall not exceed the principal sum of the plan.

*There is no time limit for loss of life in Pennsylvania.

Medical Expense - pays the Insured Camper for a reasonable amount of expenses for medical and surgical treatment, services and supplies (including necessary hospital, nursing and ambulance services) prescribed by a legally qualified physician. "Reasonable" means the amount of such expenses which do not exceed those generally charged in the geographic area where the treatment, services or supplies were received. (In determining reasonable amounts, we also take into consideration the nature and severity of the injury or illness.)

Payments under our Campers' Medical Insurance are made for injuries and if you select Campers' Plan 1 or Plan 3, for sicknesses. (Dental injuries are treated like any other accidental injury.) Payments are made after a deductible has been satisfied.

Sickness medical expense coverage is available only if the campers maintain residence for at least five consecutive days, and is not available in certain states.

The first expense for which payment will be made must be incurred within 26 weeks of the accident date, or within 30 days after the sickness first manifests itself. Payment will not be made for any expenses incurred after 52 weeks of the accident date or the date the sickness first manifests itself.

Sickness coverage (Plans 1 or 3) is not available for Paid Camp Counselors or any other employee insured under the policy for camps with less than 50 employees. Additionally, sickness coverage may not be available in all states. Contact your Reporting Office for details.

Catastrophe Expense - pays the Insured Camper's beneficiary if Paralysis or Coma results from an accident. The covered Paralysis or Coma must occur no later than 90 days from the accident, continue for six consecutive months and must be diagnosed by a physician as permanent.

Catastrophe Expense Insurance pays 100% of the Principal Sum ($35,000) for:

• Coma
• Paralysis of both upper and lower limbs
• Paralysis of both lower limbs
• Paralysis of one lower limb and one upper limb

For Paralysis of one lower limb or one upper limb, Castrophe Expense Insurance pays 50% of the Principal Sum.

If, as a result of one accident, the Insured Camper suffers more than one loss for which a benefit amount is payable under: the AD&D or the Catastrophe Expense Insurance; or both the AD&D and Catastrophe Expense Insurance, the total amount payable will not exceed the greater of: a) two times the Principal Sum shown in the schedule for the AD&D Benefit; or b) the Principal Sum shown in the schedule for the Catastrophe Expense Insurance.

Plans and Rates

					Cost Per Camper per week, or fractional part thereof:
Plans	AD&D (Principal Sum)	Catastrophe Expense Insurance (Principal Sum)	Accident Medical Expense Benefit	Sickness Medical Expense Benefits	Type of Coverage	Nonprofit Organized Sponsored Camps	Private Camps
Overnight Camps Only Plan 1	$2,500	$35,000	$2,500	$750	Full Medical Expense Coverage
					No Deductible:	$2.30	$4.05
					$25 Deductible*:	$1.60	$2.85
					Excess Medical Expense Coverage
					No Deductible:	$1.60	$2.85
					$25 Deductible*:	$1.15	$2.05
Overnight Camps Only Plan 2	$3,000	$35,000	$3,000	$0	Full Medical Expense Coverage
					No Deductible:	$1.10	$1.85
					$25 Deductible*:	$.85	$1.40
					Excess Medical Expense Coverage
					No Deductible:	$.80	$1.35
					$25 Deductible*:	$.60	$1.05
Overnight Camps Only Plan 3	$10,000	$35,000	$5,000	$5,000	Full Medical Expense Coverage
					No Deductible:	$3.00	$5.35
					$25 Deductible*:	$2.30	$4.10
					Excess Medical Expense Coverage
					No Deductible:	$2.20	$3.90
					$25 Deductible*:	$1.70	$3.00
Day Camps Only	$2,000	$35,000	$2,000	$0	Full Medical Expense Coverage
					No Deductible:	$1.00	$1.50
					$25 Deductible*:	$.75	$1.10
					Excess Medical Expense Coverage
					No Deductible:	$.75	$1.10
					$25 Deductible*:	$.55	$.80
Private Camps Only	$5,000	$35,000	$3,500**	$0	Full Medical Expense Coverage***
					No Deductible:	N/A	$1.45
					$25 Deductible*:	N/A	$1.15

* Deductible applies to both the Accident Medical Expense Coverage and the Sickness Medical Expense Coverage.
** Available only to Private Camps with Excess Coverage.
*** Rates shown for Overnight Camps. For Day Camp rates, contact your reporting office.

Other benefit amounts are available, subject to a maximum AD&D principal sum of $15,000, a maximum Accident Medical Expense benefit of $5,000 and a maximum Sickness Medical Expense benefit of $5,000. Lower rates are available if the accident medical coverage and the sickness medical coverage are purchased with a higher deductible. Vermont insurance statutes mandate a minimum $5,000 AD&D benefit when accident only coverage is provided. Contact your reporting office for details.

Excess Coverage

In certain states, lower rates are available if the Medical Expense portion of The Hartford's Camper's Accident and Sickness Insurance is purchased on an "excess basis". This means that after the Insured Camper has been reimbursed for medical expenses by other insurance programs, The Hartford will pay up to the maximum Medical Expense benefit for remaining treatment, service and supply expenses. These other programs include group, blanket or franchise health insurance coverage, group hospital or medical service plans, and pre-payment coverage; any coverage under labor management trustee plans, union welfare plans, employer organization plans and under any governmental programs, coverage required or provided by any statute, and automobile reparations insurance (no-fault) coverage. Any amounts paid by another insurance plan cannot be used to satisfy any deductible under The Hartford's policy. The above provision or applicable state variation is available in all states except Nebraska and Oregon. Excess Medical Expense coverage rates are different in Illinois.

General Exclusions, Limitations and Definitions

The policy does not apply to: (a) intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane; (b) war or act of war whether declared or not; (c) medical services performed by any person retained or employed by the Camp or Policyholder; (d) preventive medicines or vaccines, or medical examinations not necessary for treatment; (e) repair, replacement, or examination for prescriptions or fitting of eyeglasses, contact lenses or hearing aids; (f) repair or replacement of artificial limbs or orthopedic braces; (g) injury sustained while in, on, or falling from any aircraft, except as a passenger on a regularly scheduled airliner on a scheduled flight; (h) pregnancy or childbirth, except for complications of pregnancy (except in California and New Hampshire); (i) repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges or other artificial dental restoration (this exclusion applies only to policies issued in Pennsylvania); (j) dental work or dental treatment on natural teeth, cosmetic surgery or plastic surgery which is not necessary for the repair or relief of injury; (k) injury sustained or sickness contracted for which you are eligible to receive Workers' Compensation Benefits, regardless of whether you have applied for the benefits.

"Injury" means bodily injury of an insured person resulting directly and independently of all other causes from accident occurring during the Insured Person's coverage period. Sickness or disease (except pus-forming infection which shall occur through an accidental cut or wound) or hernia of any kind will not be considered as bodily injury.

"Sickness" means sickness or disease of any insured person which first manifests itself during the insured camper's coverage period.

Underwriting

Complete the Request form, taking into consideration the following:

• Verification should be obtained to ensure the camp affords adequate supervision, satisfactory health and sanitation facilities, and a program for medical care;
• The correct classification should be chosen for the camp:
  (1) Nonprofit organization sponsored camp;
  (2) Private camp (profit making venture);
• Sickness coverage will not be offered to resident camps when campers maintain residence for less than 5 consecutive days;
• Sickness coverage cannot be offered to employees and/or paid counselors if the camp has less than 50 employees and/or paid counselors. Unpaid counselors will be treated the same as a camper for the sickness benefit. The number of employees, paid counselors and unpaid counselors must be obtained prior to quoting the sickness benefit for these classes of insureds. Please contact your Reporting Office for State variations.
• If coverage has been provided previously by another carrier, the premium and loss information for the past 3 years must be provided either on the request form contained in the manual or with the Request for Insurance in the Campers' advertising circular. A copy of the previous carrier's policy, certificate or brochure shall also be included. A quotation will not be provided without this information.

General Remarks

The minimum premium for Private Camps and Nonprofit Organization Sponsored Camps is $310. A deposit premium equal to the minimum premium or 25% of the estimated policy premium, whichever is the greater, is required. The total premium will be computed by audit at the end of the camping season. Any additional premium due the Company will be collected at the time. The minimum premium is non-refundable in the event the policy is canceled after the effective date.

If the Request for Insurance is received and approved before the camp's opening date, coverage will begin on the first day of opening. Otherwise, coverage will begin on the date the Request for Insurance is approved following its receipt by the Company's issuing office.

The policy may be cancelled at any time by the Policyholder or upon 31 days written notice by the Company.

Camps for Individuals with Disabilities

Nonprofit organization sponsored camp plans are available for camps specializing in the care of individuals with disabilities. Rates applicable to these benefits vary with the type of handicap involved and the operation, capacity, services and supervision of the camp. To obtain rates, submit the completed request and a detailed supplemental description of the camp and disabilities involved along with the ratio of counselors to campers to your reporting office. Home Office approval is required on all cases involving individuals with disabilities.

The above benefits are available to camps for individuals with the following disabilities:

• Arthritis
• Rheumatism
• Cerebral Palsy
• Blindness
• Muscular Dystrophy
• Hearing Impaired
• Multiple Sclerosis
• Diabetes
• Children with Disabilities
• Epilepsy
• Mental Impairment