VOLUNTEER ACCIDENT INSURANCE
Volunteers are one of the most important assets you have. With Volunteer Accident Insurance you can help protect
them financially in the event of an injury.
Accident Medical Expense Benefits
Payable services and supplies prescribed by a physician for injuries
sustained in a covered accident include:
• Hospital bills, including room and board
• Emergency room and outpatient treatment
• Medical or surgical treatment by a licensed doctor
• Prescription drugs and medicines
• Services of a licensed or graduate nurse
• Dental care for injury to sound and natural teeth
• Ambulance expenses from the covered accident site to the hospital
Accident Benefits for Your Volunteers
Benefits are payable for injuries that result - directly and independently of
all other causes - from a covered accident, up to the maximum benefits
stated, while coverage is in effect.
Accident Medical Expense Benefits
Accident Medical Expense Benefits include eligible medical expenses that
are in excess of amounts paid by any other Health Care Plan, including
individual, group medical, or health benefit plans the covered volunteer
may have, up to $100,000 per accident per volunteer. In the event no
other health plan or policy exists, benefits for these expenses will be
payable like primary coverage. The first eligible expense must be incurred
within 180 days of the covered accident. Eligible accident medical
expenses must be incurred within one year of the covered accident.
Plans Include Accidental Death, Dismemberment,
and Paralysis (Plegia) Benefits
If within one year from the date of a covered accident a covered person
suffers any of the losses specified, we will pay a benefit for one of the
conditions listed below. If the same accident causes more than one of
these losses, we will pay the largest amount that applies.
• Loss of Life
• Total paralysis of upper and lower limbs, both lower limbs,
or upper and lower limbs on one side of the body
• Loss of any combination of two: hands, feet, eyesight,
speech, and hearing
• Loss of one hand, one foot, sight in one eye, speech, or hearing
• Loss of thumb and index finger of same hand
• $100,000 Accident Medical Expense benefits
• $50,000 Total Paralysis benefit
• $50,000 Accidental Dismemberment benefit
• $25,000 Accidental Death benefit
General Definitions
Please note that certain words used in the Policy have specific meanings.
The words defined below and capitalized within the text of this Policy have
the meanings set forth below.
Benefit Percentage - means the percentage of Covered Expenses We pay
that are Incurred by the Covered Person after they satisfy any applicable
Deductible. Benefit Percentages are shown in the Schedule of Benefits.
Covered Accident - means a sudden, unforeseeable, external event that
results, directly and independently of all other causes, in an injury or loss
and meets all of the following conditions:
1. Occurs while the Covered Person is insured under this Policy;
2. Is not contributed to by: disease, sickness, or mental or bodily infirmity;
3. Is not otherwise excluded under the terms of this Policy.
Usual and Customary Charge means the normal charge, in the absence
of insurance, made by the provider of any treatment, but not more than the
prevailing charge in the area:
1. For a like service by a provider with similar training or experience;
2. For a supply that is identical or substantially equivalent.
Covered Expenses - means the lesser of the usual and customary charge and
the maximum benefit shown, for services or supplies listed, in the Schedule
of Benefits and described in the Accident Medical Expense Benefits section
of this Policy. Covered Expenses must be Incurred by a Covered Person for
treatment for injuries sustained in a Covered Accident.
Coverage will become effective on the date requested, provided the
application is received and accepted by Philadelphia Insurance Companies.
Coverage paid for by the policyholder. 100% participation is required.
This information is a brief description of the important benefits and
features of the Blanket Accident Medical Insurance underwritten by
Philadelphia Indemnity Insurance Company. It is not a contract. Full
terms and conditions of coverage, including effective dates of coverage,
benefits, limitations, and exclusions, are set forth on your policy form.
Any policy Philadelphia Indemnity Insurance Company offers to issue will
be subject to the laws of the jurisdiction in which it is issued. Philadelphia
Indemnity Insurance Company may (1) not be able to offer this coverage
in all states and (2) elect at its sole discretion not to offer or quote
any specific benefit amount or risk. Please contact your agent or local
administrator for the availability of coverage in your state.
How to Bind Coverage Now
• Just complete the Volunteer Accident Insurance
form at the end of this brochure
• E-mail or mail your completed Volunteer Accident Insurance Form
E-mail: info@ajfusa.c om
Mail: Philadelphia Insurance Company
500 Mamaroneck Ave, Suite #402
Harrison, NY 10528
Questions? Call 800.734.9326
Volunteer Accident Insurance Program
Annual Premium
Number of Volunteers Annually Rate
Up to 300 Volunteers $2.91 per Volunteer
Over 300 Volunteers Submit Form for Quote
