Youth Programs
Camps/Clinics Insurance is purchased to reduce the potential for liability claims arising out of injuries
which occur at the various campus sponsored youth programs. This is not a substitute for liability
insurance but rather provides "goodwill coverage" for small medical bills incurred by program
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 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 participant’s personal insurance for
covered medical expenses up to $10,000 per student, but is intended to target injuries incurred related
to the program 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 based on the following criteria:
A. Must be sponsored by a UW campus and open to the public.
B. Premium must be included as part of the registration fee or paid as a gift or grant authorized for this
purpose.
C. Only programs 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, clinic,
program, etc., that you feel should be covered and does not fall directly under these guidelines please
contact Safety and Risk Management Office, 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 medical expenses
There are some limitations for medical benefits in the policy including:
A. For hospital room and board, benefits shall not exceed the hospital's usual charge for its
semi-private room accommodations; and
B. Dental treatment is included up to the $10,000.00 limit
C. Physical Therapy benefits are included up to the $10,000.00 limit
The maximum total medical payments that can be made to a participant is $10,000. This $10,000
includes all of the limitations that are discussed above. The insurance company will pay the reasonable
cost for these services actually rendered within one year from the date of the accident up to the
$10,000 limit.
The other benefits that are covered in addition to the medical expenses are:
Percent Loss of Life
Accidental Loss of Benefit Amount
(a) Life
$10,000.
(b) Speech and Hearing
$10,000.
(c) Speech and one of: Hand, Foot or Sight of One Eye
$10,000.
(d) Hearing and one of: Hand, Foot or Sight of One Eye
$10,000.
(e) Both Hands, Both Feet or Sight of Both Eyes or a
Combination of a Hand, a Foot or Sight of One Eye
(f) One Hand or One Foot or Sight of One Eye
(g) Speech or Hearing
(h) Thumb and Index Finger of Same Hand
(i) Quadriplegia
(j) Paraplegia
(k) Hemiplegia
(l) Uniplegia
$10,000.
$5,000.
$5,000.
$2,500.
$10,000.
$5,000.
$5,000.
$2,500.
There is no deductible and coverage is in effect while the participant is attending the camp and is taking
part in camp-related activities.