Sports Accident Program (Enhanced)

• Availability
• Eligibility
• Who is Covered?
• When Are They Covered?
• Description of Coverages
• Excess Coverage
• General Exclusions, Limitations and Definitions
• Premiums
• When Coverage Begins
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Availability

This program is available in the following states: Alabama, Alaska, Arkansas, Arizona, California, Colorado, Delaware, District of Columbia, Georgia, Hawaii, idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, 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 Sports Program is not available in all states. See our Sports Countrywide Program for:

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

For New York only, see our Sports 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

Any organization engaged principally in the play or practice of sports, with participants up to age 18, is eligible for coverage under this program. Under certain conditions, The Hartford may consider writing coverage with participants age 19+. If you have a group that falls into this category, please contact your Hartford agent for additional information. This program is not intended for Sports Camps. Please refer to the Enhanced Sports Camp program for a sports camp.

Who is Covered?

All players are covered under the policy and must be included when determining the policy premium. Coverage is also available for the following individuals at the option of the policyholder:

• Managers and coaches
• bat boys, equipment managers, ball boys, scorekeepers, trainers, and volunteer workers on a team or league basis
• umpires and referees if all teams in a league are insured.
• members of the policyholder participating in team sponsored and supervised activities (other than a scheduled game or tournament game or practice session) and while traveling to and from such activities.

When Are They Covered?

The policy covers all insured persons against specified losses resulting from accidental bodily injury sustained while participating as a member of the team in a scheduled game, official tournament game or practice session; or, while traveling directly to or from such game or practice session. The loss must be the result, directly and independently of all other causes, of the accidental bodily injury.

Description of Coverages

Accidental Death and Dismemberment (AD&D) Benefit
If the Insured Person's Injury results in any of the losses listed in the table below within 180 days after the date of the accident, we will pay the sum shown opposite the loss. We will not pay more than the Principal Sum for each Insured Person for all losses due to the same accident. The Principal Sum amount is shown in the Schedule.

Loss:	Benefit:
Life	Principal Sum
Both Hands or Both Feet or Sight of Both Eyes	Principal Sum
One Hand and One Foot	Principal Sum
Either Hand and Sight of One Eye	Principal Sum
Either Foot and Sight of One Eye	Principal Sum
Speech and Hearing in Both Ears	Principal Sum
Either Hand or Foot	One-half the Principal Sum
Sight of One Eye	One-half the Principal Sum
Speech or Hearing in Both Ears	One-half the Principal Sum
Thumb and Index Finger on the Same Hand	One-quarter the Principal Sum

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 for all expenses incurred as the result of any one accident. In addition, the benefit will not pay more than the Maximum Dental Limit of $250 for all expenses incurred for dental treatment, services and supplies; or more than the Maximum Benefit for all Medical Care and dental treatment, services and supplies, as the result of any one accident. The Deductible Amount will be applied separately to each accident.

Excess Coverage

In certain states, lower rates are available if the Medical Expense portion of The Hartford's Sports Accident Insurance is purchased on an "excess basis". This means that after the Insured Person 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.

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) medical services performed by any person retained or employed by the Team or Policyholder;
(6) repair, replacement, examination for prescriptions, or fitting of: (a) eyeglasses; (b) contact lenses; or (c) hearing aids;
(7) dental work or treatment on natural teeth which is not necessary for the repair or relief of Injury;
(8) cosmetic or plastic surgery which is not necessary for the repair or relief of Injury;
(9) repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration;
(10) repair or replacement of artificial limbs or orthopedic braces;
(11) 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
(12) 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;
(13) Injury sustained as a result of the Insured Person's being legally intoxicated from the use of alcohol while operating a motor vehicle;
(14) 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;
(15) expenses covered under any automobile reparations insurance (no-fault) or automobile insurance medical payments benefit;
(16) injury sustained by an Insured Person as a result of participation in a riot or insurrection;
or
(17) hernia.

Injury means bodily injury of an insured person that results directly and independently of all other causes from an accident which occurs while he or she is participating in a Covered Activity. 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

It is not permissible to insure only certain members of a team or squad. All team or squad members must be included. The "per participant" rate will be charged for each manager and coach. Coverage for tryout periods is automatically included in the rates for all sports (except Tackle Football for High School). Please contact your Hartford agent for rates.

The minimum premium for each team policy is $310.

When Coverage Begins

If the Request for Insurance is received and approved before the beginning of the sports season, 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 The Hartford.