In the past, accident medical coverage for day cares, nursery schools and child care facilities was either too costly, too limited, or not available at all. Individuals were either forced to pay extremely high insurance premiums or to run facilities without proper insurance protection, therefore running the risk of personal exposure to lawsuits or a child or staff member's injury claim.

However, now a comprehensive program has been developed to specifically cover the inherent risks involved for today's day cares, nursery schools and child care facilities. This Accident Medical Insurance Program is designed to help eliminate the financial and emotional burden one can incur as a result of injury in today's child caring facilities.

The Accident Medical Coverage
Pays the medical bills of an injured child or staff member

Who Is Covered
All participants of the Policyholder are covered while participating in sponsored activities. A member is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.

Accidental Death & Dismemberment
If a covered injury results in any of the losses specified below within one year after the date of the accident, the Company will pay the applicable amount.

• Full Principal Sum for loss of life ($10,000.00)
• Full Principal Sum for double dismemberment ($10,000.00)
• 50% of the Principal Sum for loss of one hand, one foot or sight of one eye ($5,000.00)
• 25% of the Principal Sum for loss of index finger and thumb of same hand ($2,500.00)

If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this Benefit for all losses resulting from one accident.

Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit of $25,000.00, subject to the applicable deductible amount (if any). The first such expense must be incurred within 60 days after the date of the accident.

Exclusions and Limitations
This Plan does not cover any loss to or resulting from:

• Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
• The use of drugs or narcotics, unless administered under the advice of a physician.
• War or any act of war, whether or not declared.
• Participation in any riot or civil commotion.
• Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline.
• Suicide or any attempt thereat or any self-inflicted injury.

Nor does the Plan cover:

• Service provided by any person or facility employed or retained by the Policyholder or member organization.
• Service provided by any member of the Insured Person's family or household.
• Dental treatment, except as the result of a covered injury.
• The repair or replacement of any artificial dental restoration.
• Expenses payable under any Workers Compensation Law or similar legislation.
• Injury sustained while riding in or on any two or three wheeled engine driven vehicle.

Premium Rates [Minimum Premium: $300.00]
Following are the per participant premium rates