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 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. 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:
- 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 coverage is included.
Rates: $1.61 per participant per camp per week regardless of exposure. Daily rate $.29/day for 1 to 2 day camps with no overnight stay.
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 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.
This policy 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.
Claims reporting procedure:
- 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.
- Upon injury, the injured camper or his/her parent (and physician if possible) should complete a copy of the attached claim form.
- The camp director must inform the parent that the claims form must be filed within 60 days of the injury sent to the Risk Management Office.
This insurance information is furnished to you as a matter of information for your convenience. It only summarizes coverage and is not intended to reflect all the terms and conditions or exclusions of such policy(ies). Moreover, the information contained in this information reflects coverage as of the effective date(s) of the policy(ies) and does not include subsequent changes. This information 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).