With the Voluntary Rugby Accident Policy you have a $1000 "disappearing deductible". This means that if you have primary coverage as well as the Voluntary Rugby Accident Policy, your primary insurance deductible can be covered by the Voluntary Rugby Accident Policy.

WHAT ARE THE BENEFITS?

Excess Accident Medical Expense

Maximum Benefit Amount (per injury) $100,000

Deductible Amount $1,000 *

*Note, the deductible will be disappearing (integrated) if the member has Primary Medical Insurance coverage

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

Maximum Benefit Amount $7,500

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 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

WHAT IS NOT COVERED?

• Illness, disease or infection
• 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.
• 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
• The Insured’s participation in the commission or attempted commission of any felony

In addition to the above exclusions, a loss shall not be a Covered Loss under the Accident Medical Expense Benefit if it is caused by, contributed to, or resulted from:

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, Employer 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.
Expenses incurred for eye examinations, eye glasses, contact lenses or hearing aids or the fitting, repair or replacement of these items unless Medically Necessary for the treatment of the Covered Injury.
A hernia.
Routine Physical examinations and related medical services, elective treatment or surgery or experimental or investigative treatment or procedures.
A Medical Repatriation.
Expenses incuured for psychological or psychiatric counseling of any kind or any expense for treatment of mental or nervous diseases or disorders.
Expenses which the Insured is not legally obligated to pay.
Expenses for Custodial Services or services provided by a private duty nurse unless such expenses are incurred as a result of a Covered Injury.
Expenses related to the repair or replacement of existing artificial limbs, eyes, or other prosthetic appliances, or rental of existing medical equipment unless for the purpose of modifying the item because the Covered Injury has caused further impairment of the underlying bodily condition.
Treatment of osteochondritis due to overuse and occuring during periods of rapid growth, including but not limited to Osgood-Schlatter Disease.