Campers' Program (New York)

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

Non-Profit Organization Sponsored and Private Camps are eligible for coverage.

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 insured 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 both feet, or both eyes, or loss of one hand and one 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 will not exceed the principal sum of the plan.

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, Catastrophe Expense Insurance pays 50% of the principal sum.

If, as a result of one accident, the Insured Person suffers more than one loss for which a benefit amount is payable under the Accidental Death and Dismemberment Benefit and the Catastrophe Benefit, in no event will the total benefit amount exceed $35,000.

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.

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.

If Plan 1 or Plan 3 is selected, maternity expenses will be covered if the pregnancy commences while a female camper is insured under the policy and terminates in normal or elective cesarean section delivery. Coverage for maternity hospital room and board charges resulting from normal or elective cesarean delivery will not exceed four days.

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 56 employees. Contact your reporting office for details.

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:	$1.45	$2.55
					$25 Deductible*:	$1.00	$1.80
					Excess Medical Expense Coverage
					No Deductible:	$1.25	$2.25
					$25 Deductible*:	$.90	$1.55
Overnight Camps Only Plan 2	$3,000	$35,000	$3,000	$0	Full Medical Expense Coverage
					No Deductible:	$.70	$1.20
					$25 Deductible*:	$.55	$.95
					Excess Medical Expense Coverage
					No Deductible:	$.55	$.90
					$25 Deductible*:	$.40	$.70
Overnight Camps Only Plan 3	$10,000	$35,000	$5,000	$5,000	Full Medical Expense Coverage
					No Deductible:	$1.95	$3.50
					$25 Deductible*:	$1.55	$2.70
					Excess Medical Expense Coverage
					No Deductible:	$1.75	$3.15
					$25 Deductible*:	$1.40	$2.45
Day Camps Only	$2,000	$35,000	$2,000	$0	Full Medical Expense Coverage
					No Deductible:	$.65	$.95
					$25 Deductible*:	$.50	$.75
					Excess Medical Expense Coverage
					No Deductible:	$.50	$.70
					$25 Deductible*:	$.35	$.54
Private Day Camps Only	$5,000	$35,000	$3,500**	$0	Excess Accident Medical Expense Coverage
					No Deductible:	N/A	$.85
					$25 Deductible*:	N/A	$.70
Private Overnight Camps Only	$5,000	$35,000	$3,500**	$0	Excess Accident Medical Expense Coverage
					No Deductible:	N/A	$1.00
					$25 Deductible*:	N/A	$.80

*   Deductible applies to both Accident and Sickness Medical Expense coverage.

**  Available only to Private Camps with Excess Coverage.

Sickness Medical Expense Benefit is not available on an Excess Basis.

Other benefit amounts are available, subject to a maximum AD&D principal sum of $15,000, a maximum accident medical expense 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. Contact your reporting office for details.

Excess Coverage

Lower rates are available if the Accident Medical Expense portion of The Hartford's Campers' Accident and Sickness Insurance is purchased on an "excess basis". This means that after the Insured Camper has been reimbursed for accident medical expenses by other insurance programs, The Hartford will pay up to the maximum Accident Medical Expense benefit for remaining treatment, service and supply expenses. These other programs include group, blanket or franchise health insurance coverage; any coverage under labor management trustee plans, union welfare plans, employer organization plans coverage under any governmental programs, coverage required or provided by any statute (except Medicaid), and automobile reparations insurance (no-fault) coverage. Any amounts paid by another insurance program cannot be used to satisfy any deductible under the The Hartford policy. Contact your reporting office for details.

General Exclusions, Limitations and Definitions

The policy does not apply to: (a) intentionally self-inflicted injuries, suicide or attempted suicide; (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 provided no charge is made by such persons in the absence of insurance; (d) repair, replacement, or examination for prescriptions or fitting of eyeglasses, contact lenses or hearing aids; (e) repair or replacement of artificial limbs or orthopedic braces; (f) injury sustained while in or on any aircraft, except as a passenger on a regularly scheduled airliner on a scheduled flight; (g) repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges or other artificial dental restoration, (h) any dental work or treatment on natural teeth not necessary for repair or alleviation of injury; (i) cosmetic surgery except reconstructive surgery when such surgery is incidental to or follows surgery resulting from injury, infection or other diseases of the involved part; (j) injury sustained or sickness contracted for which you are provided Workers' Compensation Benefits.

"Injury" means bodily injury of an Insured Camper resulting directly and independently of all other causes from an accident occurring during the Insured Camper'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 which begins while the Insured Person is participating in a Covered Activity. A sickness is considered to begin when it first manifests itself.

Underwriting

Complete the request form, taking into consideration the following:

• Verification should be obtained to be sure that 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. Non-profit Organization Sponsored;
  2. Private camp (profit making venture);
• Sickness coverage will not be offered to full-time 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 56 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.
• 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 must also be included. A quotation will not be provided without this information.

General Remarks

The minimum premium is $250. 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 that time. The minimum premium is non-refundable in the event the policy is canceled after the effective date.

All persons registered as campers must be insured. All counselors, janitors, cooks, and similar employees may be insured at your option.

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 canceled at any time by the Policyholder.

The policy provides limited benefits, health insurance only, when benefits are included for sickness and injury; otherwise it provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department.

IMPORTANT NOTICE - WHEN THE POLICY PROVIDES ACCIDENT COVERAGE ONLY, IT DOES NOT PROVIDE COVERAGE FOR SICKNESS.