Pre-schooler Program (Enhanced)

• Availability
• Eligibility
• Who is Covered?
• When Are They Covered?
• General Information
• Description of Coverages
• Excess Coverage
• Plans and Rates
• General Exclusions, Limitations and Definitions
• Premiums
• When Coverage Begins
• Print this Page

Availability

This program is available in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. State exceptions may apply.

Our Enhanced Pre-School Program is not available in all states. See our Special Risk Countrywide Program for pre-school in:

• Connecticut
• Florida
• Kansas
• Maine
• Maryland
• Montana
• South Carolina
• Vermont
• Washington

For pre-school in New York only, see our Special Risk New York Program.

This is an explanation of the general purposes of the coverage described, but in no way changes or affects the policy as actually issued.

Eligibility

The following schools and programs are eligible for coverage under this program.

• Kindergartens;
• Nursery schools;
• Licensed day care centers; and
• Project Head Start

Who is Covered?

All registered students or enrollees of the Policyholder will be covered. Teachers and Head Start supervisors may be insured at the option of the Policyholder, but, if so, all must be covered.

When Are They Covered?

Students (and teachers or supervisors) are covered:

• while participating in day care activities sponsored and supervised by the Policyholder, and
• while traveling with a group in connection with such activities or while traveling directly between school and home.

Travel for Head Start participants and supervisors is covered only while in a vehicle designated by the program director and driven by an appointed licensed driver.

General Information

All day care children must be included in the policy. A name list is not required, but a premium must be paid for each person to be insured. Those persons joining the group while the policy is in effect will be covered automatically until the policy expiration date - without an additional charge. The total premium for the policy is payable when the insurance becomes effective. No refunds will be made for persons who leave the group before the policy period expires.

This program can provide coverage for children age 7 and older for after school day care center activities only, provided the number of children age 7 and older does not constitute a substantial portion of the total number of children to be covered. It is not the intent of this program to provide coverage for this age group while they are participating either in normal school time activities in public or private schools, or in after school "latchkey" activities.

Programs are also available for pre-schools either specializing in the care of children with disabilities, or where children age 7 and older make up a substantial portion of the total enrollment.

Description of Coverages

Accidental Death and Dismemberment (AD&D) - pays the following to the Insured Person or his/her beneficiary for losses that occur within 180 days of an accident:

Loss	Benefit
Life	$5,000
Both Hands or Both Feet or Sight of Both Eyes	$10,000
One Hand and One Foot	$10,000
Either Hand and Sight of One Eye	$10,000
Either Foot and Sight of One Eye	$10,000
Speech and Hearing in Both Ears	$10,000
Either Hand or Foot	$5,000
Sight of One Eye	$2,500
Speech or Hearing in Both Ears	$2,500
Thumb and Index Finger on the Same Hand	$2,500

If more than one loss results from the same accident, only the largest applicable benefit will be paid.

Accident Medical Expense - pays the Reasonable Expenses incurred by an Insured Person, in excess of the Deductible Amount, for Medical Care due to Injury, if the first expense is incurred within 26 weeks after the accident and the expense is incurred within 2 years of the accident.

The benefit will not pay more than the Maximum Benefit of $25,000 for all expenses incurred as the result of any one accident. However, the benefit will not pay more than the Maximum Dental Limit of $1,000 for all expenses incurred for dental treatment, services and supplies. The Deductible Amount will be applied separately to each accident.

Benefits for Paralysis and Coma - Pays a benefit if an Insured Person's Injury results in any of the following losses, within 180 days of the accident, provided that the Paralysis or Coma continues for one month; and is diagnosed by a Physician as reasonably expected to continue for the duration of his or her lifetime.

Loss	Benefit
Coma	$35,000
Movement of Both Upper and Lower Limbs (Quadriplegia)	$35,000
Movement of Both Lower Limbs (Paraplegia)	$17,500
Movement of Upper and Lower Limbs on One Side of the Body (Hemiplegia)	$17,500
Movement of Three Limbs (Triplegia)	$26,250
Movement of One Upper Limb or One Lower Limb (Uniplegia)	$8,750

Loss means, with respect to: (a) movement, complete and irreversible paralysis involving the entire arm with respect to an upper limb, and entire leg with respect to a lower limb; and (b) Coma, complete and continuous: (1) unconsciousness; and (2) inability to respond to external or internal stimuli.

If as a result of one accident, the Insured Person suffers more than one loss for which a benefit is payable under:

• Accidental Death and Dismemberment Benefits; or
• Paralysis and Coma Benefit;

We will pay a total benefit amount not to exceed the amount payable for the one loss that provides the largest amount.

Excess Coverage

In certain states, lower rates are available if the Medical Expense portion of The Hartford's Pre-Schoolers Accident Insurance is purchased on an "excess basis". This means that after the Insured Camper has been reimbursed for medical expenses by other insurance plans, The Hartford will pay up to the maximum Medical Expense benefit for remaining treatment services and supplies. Other plans include such health insurance coverage as group hospital or coverage through government programs. Any amounts paid by another insurance plan cannot be used to satisfy any deductible under The Hartford's policy.

Plans and Rates

Primary Coverage (Coverage Period is One Year)

$0 Deductible	$100 Deductible
$6.83	$5.46

Excess Coverage (Coverage Period is One Year)

$0 Deductible	$100 Deductible
$5.07	$4.11

General Exclusions, Limitations and Definitions

The Policy does not cover loss resulting from or for:

(1) intentionally self-inflicted injury, suicide, or attempted suicide, whether sane or insane;
(2) war or act of war, whether declared or undeclared;
(3) injury sustained while in the armed forces (land, water or air) of any country or international authority;
(4) injury sustained while in or on, boarding or alighting from, being struck or run down by, any aircraft except as an airline passenger on an aircraft: (a) operated by a passenger airline on a regularly scheduled trip over its established route or that is chartered by that airline; or (b) any transport type aircraft operated by the Military Airlift Command (MAC) of the United States or any national government recognized by the United States;
(5) repair, replacement, examination for prescriptions, or fitting of: (a) eyeglasses; (b) contact lenses; or (c) hearing aids;
(6) repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration;
(7) repair or replacement of artificial limbs or orthopedic braces;
(8) injury sustained while the Insured Person is voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines or hallucinogens, unless the drug is taken as prescribed or administered by a licensed Physician; or
(9) injury sustained by an Insured Person during or as a result of his or her commission of a felony or while incarcerated for a felony, except that this exclusion will not be applicable upon acquittal or dismissal of the felony charges;
(10) injury sustained as a result of the Insured Person's being legally intoxicated from the use of alcohol while operating a motor vehicle;
(11) expenses incurred for services, treatment, supplies or facilities rendered by: (a) the Policyholder's health service or infirmary; or (b) any Physician or Nurse employed or retained by the Policyholder;
(12) expenses covered under any automobile reparations insurance (no-fault) or automobile insurance medical payments benefit; or
(13) injury sustained by an Insured Person as a result of participation in a riot or insurrection.

Injury means bodily injury of an insured person that results directly and independently of all other causes from an accident that occurs while he or she is traveling on a covered trip. 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.

Premiums

The minimum premium for the Preschooler program is $310. The minimum premium is non-refundable in the event the policy is canceled after the effective date.

When Coverage Begins

If the Request for Insurance is received and approved before the pre-school 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 Hartford. The policy may be cancelled at any time by the Policyholder or upon 31 days written notice by The Hartford.