Who is Covered?
The Accident Medical Insurance Plan covers all currently registered member players, coaches, umpires/officials, and trainers.

Covered Activities

Covered Activities are defined as the following for players, coaches and umpires:

1) Scheduled games, practices, camps, clinics and other activities approved by USA Field Hockey.

2) Group travel as a team or club directly to or from such scheduled practices, games or sponsored activities.

3) Other supervised activities, such as club or team meetings, banquets and usual, non-hazardous fundraisers are also covered by both the accident and liability policies. Examples of non-hazardous fundraisers are bake sales, car washes, and other similar events.

4) In addition to the above, USA Field Hockey Umpires are also covered while officiating in any and all amateur field hockey activities, and for their duties as an assignor for any field hockey activities. Coverage extends to USA Field Hockey sponsored games, clinics and tournaments, as well as other amateur field hockey play, such as NCAA, high school or other regularly scheduled games.

Coverage Description:

The Accident Medical Insurance Plan pays the reasonable and customary charges for a covered injury to an insured if that injury requires treatment by a legally qualified physician, dentist or graduate nurse; confinement in a hospital; ambulance service from the site of the injury to the initial treatment facility; and services and supplies ordered by a physician.

The first expense must be incurred within 60 days of the date of the injury; and any further expense must be incurred within two years of the date of injury. The policy covers only those medical and dental expenses for a period of two years from the date of injury.

 Base Accident Limits of Coverage for Member Participants:

Full Excess Coverage means that the policy will pay for covered expenses as a result of an accidental injury, which are not recoverable from any other insurance policy or any other health care of employee benefit plan. If the claimant has no health or medical coverage, the accident policy will pay benefits on a primary basis, after the deductible has been taken.

Note: The deductible under this policy applies to each claim regardless of payment by other insurance.

Umpires’ Base Accident Limits and Game Fee Reimbursement:

Game Fee Reimbursement coverage will pay for lost officiating fees if they are prevented from officiating at their regularly scheduled games due to an injury incurred while officiating during a covered field hockey activity.

Accident Policy Exclusions for Member Participants and Umpires

This policy does not cover any loss, fatal or non-fatal, incurred or resulting from the following:
1) Suicide or self destruction or any attempt thereat;
2) Infections, except pyogenic infections caused wholly by a covered injury;
3) War or any act of war, or accident while the insured person is in the military, naval or air service of any country;
4) Accident incurred while the insured person is operating, or learning to operate, or performing duties as a member of a crew of any aircraft;
5) Dental treatment, except as a result of injury to sound, natural teeth;
6) Replacement of eyeglasses or eye examinations for the correction of vision or fitting of glasses unless the injury causes impairment of sight;
7) Injury for which the insured person is entitled to benefits under any Worker’s Compensation Act or Law or any similar legislation;
8) Hernia of any kind;
9) The insured’s being intoxicated or under the influence of any narcotic unless administered by a physician.

Underwriting Insurance Company
The Accident Insurance Program is underwritten by Markel Insurance Company,

Glen Allen, VA. Markel is rated “A” by A.M. Best’s rating service.

How to File an Accident or Game Fee Claim

If you are injured during a covered USA Field Hockey activity, you may obtain a claim form and instructions on filing the claim by clicking here :

When submitting a claim for the Game Fee Reimbursement Benefit, member officials must provide a schedule of the games they were assigned to officiate, as well as confirmation of their fee (compensation) from their assignor. No claims for game fees can be made without a written schedule.

This summary is a brief description only of the coverages, conditions and exclusions of the policy, and in no way affects or alters the scope of coverage provided. For the full details of terms and limitations, please refer to the actual policy.