I. Purpose
The purpose of this page is to explain the Camps and Clinics Blanket Accident Insurance Program and the procedures which campus coordinators should follow when using this program.
II. Background
Camps and clinics insurance is purchased by UW 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:
- Camps and clinics must be sponsored by UWM and open to the public.
- Premium must be included as part of the registration fee or paid as a gift or grant authorized for this purpose.
- 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 Risk Management and we can determine if the activity can be covered under this policy.
III. Covered Activities:
While participating in scheduled, sponsored, and supervised Camps and Clinics activities of the Policyholder, including direct sponsored travel to and from such activities.
| Coverage and Limits: | Basic Accident |
| Accident Medical Expense Maximum | $25,000 per Covered Accident |
| Deductible | $0 per Covered Accident |
| Coinsurance1 | 100% of Usual and Customary charges |
| Scope of Coverage | Excess |
| Benefit Period | 52 weeks from the date of the Covered Accident |
| Accidental Death and Dismemberment | $10,000* Principal Sum |
| AD&D Aggregate Limit of Indemnity | $1,000,000 per Covered Accident |
| Incurral Period | 365 days |
| Sickness Medical Expense | $2,500 per Incident |
| 1 Eligible expenses include: medically necessary treatment up to the “Usual and Customary” charge. | |
| Coverage and Limits | Catastrophic Accident |
| Accident Medical Expense Maximum | $5,000,000 per Covered Accident |
| Deductible | $25,000 per Covered Accident |
| Scope of Coverage | Excess |
| Benefit Period | 10 years from the date of the Covered Accident |
| Accidental Death and Dismemberment | $10,000 Principal Sum |
| Incurral Period | 90 days |
Contact Information:
Contact Risk Management for additional information and the procedure for filing claims
DISCLAIMER
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).