As an Optimist International Club leader you can purchase a policy customized to the specific needs of your Club. Coverage is structured to respond to individuals injured while participating in scheduled youth games and practice sessions.
With no deductible, and negotiated pricing, protection is benefit rich at an affordable cost. High Limits of coverage are available upon request, and coverage extends for a 1 year maximum benefit period.
The Optimist International program includes a number of benefits not typically available in the standard marketplace, including:
*If medical treatment is also received for the covered injury
Remember always refer to your policy for coverage limits, exclusions, terms and conditions.
Which events are covered?
All Optimist Club sponsored activities including participating in scheduled youth games and practice sessions.
Does a Club member need to be present at the activity for coverage to apply?
No, the activity must be supervised by a person authorized by the Policyholder (Club).
How much is the deductible?
No deductible applies to this coverage.
Are higher limits available?
Yes, higher limits are available. Please contact Special Markets Insurance Consultants, Inc., as underwriting is required.
How long will benefits be paid on a coverage injury?
The Maximum Benefit period is 1 year from the date of the injury. The first expense must be incurred within 60 days after the date of the accident.
Is dental coverage available?
Yes, our standard premium quotation covers 100% of reasonable expenses for the treatment, repair or replacement of injured natural teeth, includes initial braces when required for treatment of a covered injury, as well as examination, x-rays, restorative treatment, endodontics, oral surgery and treatment for gingivitis resulting from trauma.
Will the policy replace damaged eyeglasses, hearing aids or contacts?
Yes, our standard premium quotation covers 100% of reasonable expenses, to a maximum of $500, if medical treatment is also received for a covered Injury.
Accident Medical Coverage protects all Optimist Club sponsored activities including participating in scheduled youth games and practice sessions.
Injury must be treated within 60 days after the Accident occurs.
Benefit Period: Services must be received within 1 year from the date of the Injury. Expenses incurred after 1 year from the date of the Injury are not covered even though the service is a continuing one or one that is necessarily delayed beyond 1 year from the date of the Injury.
Maximum Medical Expense for each Injury: $100,000
Maximum Medical Expense for Injuries involving motor vehicles: $100,000
Accidental Death, Dismemberment and Loss of Sight Benefit: $10,000
Deductible is: $0
Coverage is: Full Excess
This description has been designed to illustrate the highlights of this insurance and it does not include all coverage details and Exclusions. All information in this description is subject to all other provisions of the insurance Policy, including all Coverage and Limitations, Maximums and Exclusions. If there is any conflict between this description and the insurance Policy, the insurance Policy will prevail. NOTE: Please see the insurance Policy for complete and individual state details.