The purpose of this paper is to explain the Camps and Clinics Blanket Accident Insurance Program and the procedures which campus coordinators should follow when using this program.
Camps and clinics insurance is purchased by System Risk Management to reduce the potential for liability claims arising out of injuries which occur at the various campus sponsored camps and clinics. This is not a substitute for liability insurance but rather provides “goodwill coverage” for small medical bills incurred by camp participants. These medical expenses must be the result of a covered accident, this is not an illness policy. The policy gives us the ability to pay the medical expenses of camp participants covered under the policy without being negligent, thus reducing the number of claims and suits from participants and their parents. Coverage is primary to State liability insurance and the camper’s personal insurance for covered medical expenses up to $10,000 per student, but is intended to target injuries incurred related to camp activities. It is not meant to cover a student with allergies or a student who is playing with a pocket knife. Coverage can be provided for camps and clinics based on the following criteria:
A. Camps and clinics must be sponsored by a UW campus and open to the public.
B. Premium must be included as part of the registration fee or paid as a gift or grant authorized for this purpose.
C. Only camps and clinics which are oriented toward people who are high school age and younger will be covered.
These are only guidelines to help determine eligibility for the program. If you have a camp or clinic that you feel should be covered and does not fall directly under these guidelines please contact System Risk Management and we can determine if the activity can be covered under this policy.
** Also keep in mind, the coverage is not required but encouraged by System Risk Management to avoid the potential of a lawsuit.
III. Policy Coverage Details
Insurer: ACE American Insurance Company
Medical Benefits: Up to $10,000 per participant for accident medical expenses
There is a limitation for medical benefits in the policy:
a. For hospital room and board, benefits shall not exceed the hospital’s usual charge for its semi-private room accommodations.
The maximum total accident medical payments that can be made to a camp participant is $10,000. This $10,000 includes the limitation discussed above. The insurance company will pay the usual and customary cost for these services actually rendered within one year from the date of the accident up to the $10,000 limit.
Coverage does not apply while any participants are in or on any aircraft.
Accidental Death & Dismemberment:
The other benefits that are covered in addition to the accident medical expenses are:
|Percent Loss of Life||Accidental Loss of Benefit Amount|
|(b) Speech and Hearing||$10,000|
|(c) Speech and one of: Hand, Foot or Sight of One Eye||$10,000|
|(d) Hearing and one of: Hand, Foot or Sight of One Eye||$10,000|
|(e) Both Hands, Both Feet or Sight of Both Eyes or a Combination of a Hand, a Foot or Sight of One Eye||$10,000|
|(f) One Hand or One Foot or Sight of One Eye||$5,000|
|(g) Speech or Hearing||$5,000|
|(h) Thumb and Index Finger of Same Hand||$2,500|
Rates: $1.81 per participant per camp per week regardless of exposure. Daily rate $.32/day for 1 to 2 day camps with no overnight stay. *See section C under procedures*
Renewal Date: Annually on January 1
Coverage Provisions: Coverage is in effect while the participant is attending the camp and is taking part in camp-related activities
A. Each campus risk manager should meet with the camps and clinics coordinator annually to discuss the coverage and procedural changes which have occurred. This information should be provided to all potential camps and clinics coverage users such as the program directors.
B. The camps and clinics coordinator or the campus risk manager should receive a copy of the camp or clinic brochure at least two weeks before the camp begins. This allows time to evaluate the eligibility of the camp or clinic. If there is a question regarding eligibility, consult System Risk Management.
C. A camp that runs 1 or 2 days with no overnight stay is charged at the daily rate. Any camp that includes an overnight stay is charged at the weekly rate, including 2-day camps with an overnight stay. Camps that run 3-7 consecutive days are charged at the weekly rate. Camps that run 1 day per week for multiple weeks should be calculated at the daily rate.
There have been questions from some institutions about using other carriers. This is the only acceptable insurance. Our reasons are: 1. Our policy offers 24 hour coverage. 2. Our policy is primary medical coverage which is the sole reason for having the policy. If the policy is not primary it may then become a liability issue and would fall under our liability coverage under the state of Wisconsin. 3. It allows for an understanding of what is covered by our policy rather than attempting to understand other parties’ contracts.
D. The camp and clinic coordinator must send to System Risk Management one list of camp and clinic participants along with the applicable premium by April 10, July 10, October 10, and January 10. Internal record-keeping and accounting of the accumulated premiums will be the responsibility of the camp coordinator during the quarter. A single check for the total premium during the quarter is acceptable. If a camp takes place over more than 1 quarter, report it in the last quarter that applies.
E. Complete both parts of the Reporting Form and forward to the System Risk Management office with the applicable premium by the four above listed dates.
F. Claims reporting procedure:
1. In the event of an injury, common sense should be used in assuring adequate care is given to the camper. If personal health insurance is available, that may be used in lieu of this policy.
2. Upon injury, the injured camper or his/her parent (and physician if possible) should complete a copy of the attached claim form.
3. The camp director must inform the parent that the claims form must be filed within 90 days of the injury to the following parties with medical bills and the original report sent to:
Arthur J. Gallagher Risk Management Services, Inc.
245 South Executive Drive – Suite 200
Brookfield, WI 53005
4. If the injury is severe and potentially may result in expenses greater than $10,000, immediately inform System Risk Management in case the injury results in a liability claim.
5. All claims must include the name of the campus where the camp was held. This information must be completed on the claim form by the campus before it is given to the claimant. This is especially important as the frequency and severity of claims increases, since this information helps us determine which institutions and camps are having the problems.
G. We would recommend the following verbiage be used as a photo and or video release on the application that is signed by the participant and/or parent:
I understand that the University may take photographs and or videos of camp participants and activities. I agree that the University of Wisconsin-____________ shall be the owner of and may use such photographs and or videos relating to the promotion of future camps. I relinquish all rights that I may claim in relation to the use of said photographs.
H. If the campuses are going to list that there is accident insurance in their informational materials they need to note that it is limited accident insurance up to $10,000.
Protocols to include:
• Means of contacting medical authorities in an emergency.
• Medical histories maintained centrally, by each camp director, or the camp health supervisor.
• Medicine protocol for university designated camp staff.
• Emergency procedures.
• Lost camper policy/security.
• Severe weather policy.
This insurance document is furnished to you as a matter of information for your convenience. It only summarizes the listed policy(ies) and is not intended to reflect all the terms and conditions or exclusions of such policy(ies). Moreover, the information contained in this document reflects coverage as of the effective date(s) of the policy(ies) and does not include subsequent changes. This document is not an insurance policy and does not amend, alter or extend the coverage afforded by the listed policy(ies). The insurance afforded by the listed policy(ies) is subject to all the terms, exclusions and conditions of such policy(ies).