USA RUGBY MEMBER ACCIDENT INSURANCE 

WHO IS COVERED?

All registered members of USA Rugby, including athletes, coaches, officials, referees and executive administrators.

WHAT IS COVERED?

Accidental injury that occurs at USA Rugby clubs, SBRO’s, LAU’s, TU’s and Rookie Rugby sponsored sanctioned and supervised activities and direct travel.

WHAT ARE THE BENEFITS?

Excess Accident Medical Expense:           $ 25,000

Deductible, with Primary Insurance:        $ 1,000

Deductible, without Primary Insurance:   $ 2,500

Catastrophic Accident Medical Expense:   $ 250,000

Deductible (satisfied by Basic Accident):   $ 25,000

If an accidental injury results in the need for medical care within 90 days of the accident, coverage will pay the reasonable and customary medical charges of medically necessary medical services up to the maximum amount.  Medical expenses must be incurred within 52 weeks of the date of accident for coverage to apply.

Accidental Death & Dismemberment:$ 7,500

(See Schedule below)

WHAT IS NOT COVERED?

A loss shall not be a Covered Loss if it is caused by, contributed to, or resulted from:

ACTIVITES THAT ARE NOT RELATED TO RUGBY PLAY

Illness, disease or infection

Repetitive motion injuries will be closely reviewed (prior injury aggravated by current play)

Pre-existing conditions

Travel or flight in an aircraft except to the extent stated in the travel hazards

Loss caused by or resulting from an insured being intoxicated or under the influence of any narcotic unless directed by a physician and used in accordance with the prescription

Loss caused by or resulting from the insured’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection or bodily malfunctions

Losses as a result of a crime (including Assault and Battery) and including an insured’s participation in the commission or attempted commission of any felony

Loss resulting from suicide, attempted suicide or loss that is intentionally self-inflicted

War or any act of war, declared or undeclared

Any Insured’s involvement in any type of active military service

Cosmetic, plastic or restorative surgery unless Medically Necessary for the treatment of Covered Injury

Any medical expense related to pregnancy unless Medically Necessary for the treatment of the Covered Injury

Covered Injury for which the Insured is entitled to benefits under Workers’ Compensation Benefits, Employers Liability Law, or any statutory mandated coverage

Personal comfort or convenience items such as but not limited to Hospital telephone charges, television rental or guest meals

Treatment by an immediate family member or member of the Insured’s household

Expenses incurred for dental care, treatment, repair or replacement of sound natural teeth unless medically necessary for the treatment of the Covered Injury.

ACCIDENTAL DEATH & DISMEMBERMENT SCHEDULED BENEFITS:

Coverage will pay $7,500 for the accidental loss of life and scheduled benefits for dismemberment as indicated below.  The loss must occur within one year of the date of the accident.

Both hands or both feet:$ 7,500

One hand and one foot:$ 7,500

One hand or foot, plus sight of one eye:$ 7,500

Sight of both eyes:$ 7,500

Speech and hearing:$ 7,500

Quadriplegia:$ 7,500

Paraplegia:$ 5,625

Hemiplegia:$ 3,750

Speech or hearing:$ 3,750

One hand, one foot; or sight of one eye:$ 3,750

Thumb and index finger of the same hand:$ 1,875