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The Optional Benefits below are provided only if you apply for and are issued Additional Coverage and if Family Coverage is applied for and is issued. The amounts of such coverage will be:
PRINCIPAL SUM
As a USPA member, you may now choose individual or family plan coverage.
| Covered Accidents | Covered Accidents while Parachuting | |
|---|---|---|
| PLAN 1: | $50,000 | $25,000 |
| PLAN 2: | $100,000 | $50,000 |
| PLAN 3: | $150,000 | $75,000 |
| PLAN 4: | $200,000 | $100,000 |
Policy Coverage
This accident program provides coverage 24 hours a day while on business or pleasure. You are covered while traveling and while parachuting. The insurance also covers you while riding as a passenger in an aircraft being used for the transportation of passengers for hire. Benefits are payable only for covered losses that result from an accident which occurs while your coverage is in force.
Eligibility
All active, dues-paying USPA members are eligible for this coverage. Your spouse/domestic partner and unmarried Dependent children (under age 19, 25 if a full-time student) may be covered provided you, the member, enrolls and chooses the Family Plan on the enrollment form.
Family Plan
If you select the Family Plan:
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- Your spouse/domestic partner is automatically insured for 40% of your coverage (increases to 50% if no dependent children.)
- Your dependent children are automatically insured for 10% of your coverage (increases to 20% if no spouse/ domestic partner.)
- If both spouses/domestic partners are USPA members, only one can purchase the Family Plan.
EXAMPLE:
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- Member Coverage = $100,000 24-hour business and pleasure*
- Spouse/domestic partner Coverage = $40,000 24-hour business and pleasure coverage ($50,000 if no dependent children)*
- Dependent Child Coverage = $10,000 24-hour business and pleasure coverage per child ($20,000 per child if no spouse/domestic partner)*
* all benefits reduce 50% for parachuting related activities
Paralysis Benefit
If a covered accident results in an insured person’s paralysis within 365 days of the date of the accident causing the injury, the Company will pay the percentage of the Principal Sum shown below. Type of Paralysis Percentage of Principal Sum “Quadriplegia” means the complete and irreversible loss of all motion and all practical use of both arms and both legs that lasts longer than 365 days. “Paraplegia” means the complete and irreversible loss of all motion and all practical use of both legs that lasts longer than 365 days. “Hemiplegia” means the complete and irreversible loss of all motion and all practical use of one arm and one leg on the same side of the body that lasts longer than 365 days. “Uniplegia” means the complete and irreversible loss of all motion and all practical use of one arm or one leg that lasts longer than 365 days. If the Insured Person suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.
| Type of Paralysis | Percentage of Principal Sum |
|---|---|
| Quadriplegia | 100% |
| Paraplegia | 75% |
| Hemiplegia | 50% |
| Uniplegia | 25% |
“Quadriplegia” means the complete and irreversible loss of all motion and all practical use of both arms and both legs that lasts longer than 365 days.
“Paraplegia” means the complete and irreversible loss of all motion and all practical use of both legs that lasts longer than 365 days.
“Hemiplegia” means the complete and irreversible loss of all motion and all practical use of one arm and one leg on the same side of the body that lasts longer than 365 days.
“Uniplegia” means the complete and irreversible loss of all motion and all practical use of one arm or one leg that lasts longer than 365 days.
Medical Evacuation and Repatriation
If Accidental Bodily Injury, disease or illness requires Medical Evacuation or Repatriation, we will pay the costs for such evacuation or repatriation up to a maximum benefit of $5,000. Medical Evacuation or Repatriation must be ordered by a Physician who certifies that evacuation or repatriation is necessary to prevent death or serious deterioration of your medical condition. We will also guarantee payment of Hospital Admission incurred for Emergency Medical Treatment up to $500. If a covered Accidental Bodily Injury, disease or illness requires a Hospital stay for more than five (5) day(s), and the Hospital is at least seventy-five (75) miles from the Insured Person’s permanent residence, we will pay $100 per day for up to five (5) days for actual costs incurred by an Immediate Family Member and arranged for by the Assistance Services Administrator for temporary lodging, transportation and meals while traveling to and from visits with an Insured Person. If a covered Accidental Bodily Injury, disease or illness requires a hospital stay of more than five (5) days, we will pay for an accompanying Dependent Child to return to his or her primary residence. All arrangements for Medical Evacuation and Repatriation must be made by the Assistance Services Administrator.
Effective Date
Your coverage will be effective on the first day of the month following receipt of your completed enrollment form by the Program Administrator provided premium has been paid.
Beneficiary
You may name any person you choose as the beneficiary of your coverage. Please be sure to indicate the name of this person on your enrollment form.
Description of Coverage
Each member enrolling in the plan will receive a Description of Coverage which describes in detail the benefits, limitations and exclusions of the policy.
Termination of Additional Insurance
All Additional Coverage will end on the earliest of the following dates:
-
-
- the date upon which the Policy terminates;
- the date upon which the 31-day Grace Period expires if no premium payment has been received.
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Termination of coverage will not affect a claim based upon an accident that occurred prior to the termination of coverage date. Additional Coverage for a Spouse and Dependent Children will terminate upon the earlier of the date upon which the Spouse or Dependent Child is no longer eligible for coverage, or the date upon which your coverage ends.
EXCLUSIONS
This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing the insurance. In addition no benefits will be paid for any Accident caused by or resulting from any of the following:1) an Insured Person being in, entering, or exiting any aircraft: a) owned, leased or operated by the Policyholder or on the Policyholder’s behalf; or b) operated by an employee of the Policyholder on the Policyholder’s behalf. This exclusion does not apply to Owned Aircraft, Leased Aircraft or Operated Aircraft listed as on file with the Policyholder when piloted by a certified pilot licensed to operate such aircraft. The Owned Aircraft, Leased Aircraft or Operated Aircraft must have an unrestricted airworthiness certificate from a governmental authority with competent jurisdiction; 2) an Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. (This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.); 3) an Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. (This exclusion does not apply to an Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.); 4) an Insured Person’s commission or attempted commission of any illegal act, including but not limited to any felony; 5) any occurrence while an Insured Person is incarcerated after conviction; 6) an Insured Person being intoxicated, at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs; 7) an Insured Person being under the influence of any narcotic or other controlled substance at the time of an Accident. (This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician.); 8) an Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. (This exclusion does not apply to the first 60 consecutive days of active military service with the armed forces of any country or established international authority.); 9) an Insured Person traveling or flying on any a) flight on a rocket propelled or rocket launched aircraft, or b) flight which requires a special permit or waiver from a governmental authority having jurisdiction over civil aviation, whether or not such permit or waiver is granted; 10) an Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury; 11) a declared or undeclared War.
*All benefits reduce 50% for parachuting related activities.
For more information, call 1-833-241-2372 Monday through Friday, 9 a.m. to 7 p.m. Eastern Time.