Youth Group Program (Enhanced)
Applications, Forms, & Brochures
- Availability
- Eligibility
- Who is Covered?
- When Are They Covered?
- Description of Coverages
- Plans Designs
- Excess Coverage
- 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 Youth Group Program is not available in all states. See our Youth Group Countrywide Program for:
- Connecticut
- Florida
- Kansas
- Maine
- Maryland
- Montana
- South Carolina
- Vermont
- Washington
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
Organizations sponsoring youth activities are eligible for coverage. This program is especially designed for the following groups as well as other substantially similar young people's groups:*
- Scouting Groups
- Pathfinders
- DeMolay
- Young People's Church Groups
- Future Farmers of American
- Hi-Y/Tri-Hi-Y
- Job's Daughters
- Camp Fire Girls
- Rainbow Girls
- Blue Birds
*The mention of the names of these organizations does not imply their endorsement or approval of this program.
Who is Covered?
All members of the organization are covered and must be included in the Policy. Unpaid supervisors and advisors (e.g. adult leaders and committee persons) of the organization may also be covered. If coverage is desired for these individuals, all must be included. It is not necessary to name each person covered, but a premium must be paid for each.
New members joining the organization while the Policy is in effect will be covered automatically until the Policy expiration date - without additional charge.
When Are They Covered?
Members of the organizations are covered while participating in an approved and supervised activity of the organization or while traveling directly to or from such activity.
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 | Principal Sum |
| Both Hands or Both Feet or Sight of Both Eyes | Five times the Principal Sum |
|
One Hand and One Foot |
Five times the Principal Sum |
| Either Hand or Foot and Sight of One Eye | Five times the Principal Sum |
| Speech and Hearing in Both Ears | Five times the Principal Sum |
| Either Hand or Foot | Two and One Half Times the Principal Sum |
| Sight of One Eye | Two and One Half Times the Principal Sum |
| Speech or Hearing in Both Ears | Two and One Half Times the Principal Sum |
| Thumb and Index Finger on the Same Hand | The Principal Sum |
Loss of hand or foot means severance through or above wrist or ankle
joint. Loss of sight, speech and hearing means entire and irrecoverable
loss. Loss of thumb and index finger means actual severance through
or above metacarpophalangeal joints.
We will not pay more than the largest amount shown for all losses due
to the same accident.
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 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.
Plans Designs
Benefit Plans
| Benefit Plans | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | Plan 6 |
|---|---|---|---|---|---|---|
| AD&D Principal Sum | 1,000 | 1,000 | 2,000 | 2,000 | 3,000 | 3,000 |
| Accident Medical Benefit | 1,500 | 1.500 | 5,000 | 5,000 | 10,000 | 10,000 |
| Accident Medical Deductible | 50 | 0 | 50 | 0 | 50 | 0 |
Excess Coverage
In certain states, lower rates are available if the Medical Expense portion of The Hartford's Youth Group Insurance is purchased on an "excess basis". This means that after the Insured Person has been reimbursed for medical expenses by other insurance programs, The Hartford will pay up to the maximum Medical Expense benefit provided by any other Plan. Other plans include such health insurance coverage as group hospital or medical plans, or no-fault automobile coverage. Any amounts paid by another insurance plan cannot be used to satisfy any deductible under The Hartford's policy.
General Exclusions, Limitations and Definitions
This program is not available for drum and bugle corps, marching bands, boys' clubs, community theatrical groups, police athletic leagues or any youth group primarily organized for play or practice of athletics, nor for nursery schools, government sponsored economic opportunity programs or groups with a membership comprised primarily of adults. It is also not our intention to cover ski trips under this program. For accident insurance designed to meet the needs of groups such as these, The Hartford offers a Special Risk Accident Policy and a Sports Accident Policy.
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) dental work or treatment on natural teeth which is not necessary
for the repair or relief of injury;
(7) repair or replacement of existing dentures, partial dentures, braces,
fixed or removable bridges, or other artificial dental restoration;
(8) repair or replacement of artificial limbs or orthopedic braces;
(9) 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
(10) 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;
(11) injury sustained as a result of the Insured Person's being legally
intoxicated from the use of alcohol while operating a motor vehicle;
(12) injury sustained as a member of a team while practicing for or
participating in any athletic game, event or tournament sponsored by
or under the direction of any professional, semi-professional, intercollegiate,
interscholastic or organized amateur league, conference or association;
or traveling to or from such practice or participation;
(13) expenses covered under any automobile reparations insurance (no-fault)
or automobile insurance medical payments benefit; or
(14) 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 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
The minimum premium for the Youth Group 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 starting date of the group activity or program, coverage will begin on the first day of the activity or program. Otherwise, coverage will begin on the date the Request for Insurance is approved following its receipt by The Hartford.