Private / Charter Schools (Florida)

• Availability
• Eligibility
• Who is Covered?
• When Are They Covered?
• General Information
• Description of Coverages
• Optional Coverage for Sports Teams
• 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, District of Columbia, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Mississippi, Nebraska, Nevada, New Hampshire, North Dakota, Ohio, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Dakota, Tennessee, Utah, Virginia, Wisconsin, and Wyoming. State exceptions may apply.

For Florida, please see the Private / Charter School > Florida section.

This program is not available in New York or Delaware.

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 groups are eligible for coverage under this program.

• Private schools
• Charter schools

Who is Covered?

All registered students or enrollees of the Policyholder will be covered.

When Are They Covered?

Students are covered:

• while participating in school 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.

General Information

The school pays one premium that covers all students while they are on school grounds, including lunch and recess periods and while traveling on group field trips sponsored by the school. New students are covered at no extra charge until the policy renewal date.

If a covered injury occurs, Student Accident Insurance:

• provides coverage in excess of what the family's primary medical plan pays;
• carries no deductible; and
• provides both Accident Medical Expense coverage as well as Accidental Death and Dismemberment coverage.

By providing this important excess coverage for all students, your school demonstrates its commitment to your students' safety as well as their academic progress. It assures parents in your care, and it may help cover gaps in your other insurance coverage.

Description of Coverages

Accidental Death pays the maximum benefit selected for loss of life resulting from a covered accident.

Accidental Dismemberment pays the maximum benefit selected for loss of both hands, both feet, or sight of both eyes; one hand and one foot; or hand or foot and sight of one eye. In addition, it pays:

• 50% of the maximum benefit for loss of one hand, one foot or sight of one eye; and
• 25% of the maximum benefit for loss of thumb and index finger of either hand.

The total dismemberment benefit for any one person for all losses due to the same accident will not be more than 100% of the benefit amount.

Accidental Medical Expense pays for necessary medical expenses incurred as the result of injuries sustained in a covered accident. This benefit is "excess coverage" and pays after the insured person has been reimbursed for medical expenses by other insurance programs.

Optional Coverage for Sports Teams

The school's competitive sports teams can also be included in this program. With the sports accident option, all athletes are covered against injuries sustained while participating as a member of a team in a scheduled game, tournament or practice session.

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;
• (13) injury sustained by an Insured Person as a result of participation in a riot or insurrection;
• (14) sickness or disease, except pus-forming infection resulting from an accidental cut or wound; or
• (15) expenses incurred by school-employed health personnel or school-sponsored infirmary.

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 Private and Charter Schools 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 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.