Transcript Summary of Hockey Canada Insurance Coverage

HOCKEY CANADA COVERAGE
Hockey Canada
Cost Breakdown
Cost Breakdown
Hockey Canada
Types of Coverage
What is HBT – Health Benefits Trust
• The HBT Program is a self insured program managed by
Hockey Canada in order to provide cost effective
Accidental Medical/Dental Insurance to it’s members.
• This coverage applies in excess of other valid and
collectable insurance i.e. Provincial Medical and Hospital
Plan or Personal Group Insurance
• Coverage will also respond if a member does not have
other private insurance.
Hockey Canada
Types of Coverage
Health Benefit Trust Program
Accident Medical/Dental
Secondary insurance
Dental Expense:
per tooth $1,250
per accident $2,500
Additional optional dental coverage available:
This optional coverage is available to all Hockey Canada Provincial Branches,
Associations, Leagues or other entities that are members of Hockey Canada. In
order to be eligible for the coverage, all members of a group must adhere to the
program. The program is unfortunately not available on an individual member
basis.
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Coverage is valid for 1 year and the inception date of the Rider is at the group’s
discretion. You have the flexibility to include 1 or more of the following
categories of members within the Rider:
Players
$ 5 000
2.50
Officials
$ 10 000
4.15
Coaches
$ 15 000
6.50
bench staff
Hockey Canada
$ 20 000
8.00
$ 25 000
9.25
Types of Coverage
• Physiotherapy, Osteopath,
Chiropractor up to :
• Prosthetic Appliance:
• Tuition Expense:
• Emergency Taxi Benefit:
• Travel expense Benefit:
• 100% of Ambulance Expense
• Loss of Income
Hockey Canada
$500 per year
$1,000
$2,000
$40
$100 per accident
$1,000
Types of Coverage
Concussion injuries
Concussion injuries involve many different interventions. Hockey
Canada will consider the following coverage related to a concussion
which has been diagnosed by a physician:
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Physiotherapy under the current maximum of $500 .00 per year .
Neuropsychology, which falls under the current physiotherapy
maximum per year .
Tuition expenses as previously described.
Note that Hockey Canada Insurance does not cover expenses for
baseline testing.
Hockey Canada
Types of Coverage
HBT Does Not Cover
• Benefits eligible under other private plans
• Benefits paid by a government hospital
• Benefits for a non resident playing hockey in Canada
without a primary coverage
• Eye glasses or contacts
• Sickness or disease
• Repair or replacement of artificial teeth or dentures
• A knee brace or similar device needed solely for playing
hockey
• Equipment replacement
Hockey Canada
Types of Coverage
ACCIDENTAL DEATH & DISMEMBERMENT
AD&D Insurance covers very
serious, permanent injuries which
might occur while participating in a
HC/Branch sanctioned activity.
This coverage is in addition to any
other valid and collectable
insurance policy.
Hockey Canada
Types of Coverage
AD and D Coverage
Hockey Canada
Types of Coverage
AD and D Coverage
AGE ON DATE OF ACCIDENT PERCENTAGE OF
UNDER-AGE-70 MAXIMUM AMOUNT
70-74 65%
75-79 45%
80-84 30%
85 and older 15%
Hockey Canada
Types of Coverage
AD and D Coverage – Important Steps
If a potential AD and D claim is apparent, for
example:
Accidental Death ; on – ice or off-ice
Potential Paralysis
Potential Loss of Sight
Potential Loss of Use as Described
Hockey Canada
Types of Coverage
AD and D Claims – Important Steps
• The Branch should report accident to Todd
Jackson and Glen McCurdie immediately and
report all details related to the claim. The
members name and DOB as well as a short
description of the claim is always helpful.
• Hockey Canada will immediately advise the
insurers (even on the weekends).
• You will be given instructions on next steps
including required information .
• Counseling may be necessary
Hockey Canada
Types of Coverage
COMMERCIAL GENERAL LIABILITY
Simply explained this covers lawsuits and
settlements.
Hockey Canada
Types of Coverage
Named Insured
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Hockey Canada
The Thirteen Branches of Hockey Canada
Associations
Leagues
Participants
Teams
Officials of any of the foregoing, including those teams
that are based in the U.S.A.
Hockey Canada
Types of Coverage
Includes the following registered members:
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Owners
Officers
Directors
Shareholders
Members
Committees
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• Players
• Managers
• Staff Members
• Team Workers
• Officials
• Cheerleaders
• Referees
• Coaches
• Trainers
• Sponsors
• Employees
• Instructors
• Volunteers
• And Spouses
of the
Foregoing
Types of Coverage
Coverage
• $ 20,000,000 per occurrence for bodily injury &
property damage to third parties
• Excess Liability insurance in the amount of
$50,000,000
• Hockey Canada covers each registered player for
liability
• The intent needs to be accidental and not deemed
intentional
Hockey Canada
Types of Coverage
Reporting
• Occurrences that may require coverage should be
reported to Glen McCurdie.
• The respondent should consult with Glen prior to
engaging legal counsel.
• The occurrence will then be sent to the insurer who
will begin an investigation
Hockey Canada
Types of Coverage
Sexual Misconduct Liability
This policy covers the insured’s liability arising out
of alleged or actual sexual misconduct for which
the insured may be held legally liable.
• Will pay defense costs of the accused in civil court until
proven to be guilty.
• Will reimburse the defense costs of the accused, if
found innocent, in criminal court ($25,000 sub-limit).
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