Youth activities and events come in all sizes and types. It’s good practice for a sponsored youth program to cover participants with a group accident policy.
"Coverage is commonly referred to as a blanket policy."
Types of youth-sponsored events and programs
Examples of youth-sponsored programs include but are not limited to:
- After-school programs
- Sponsored sports programs
- Camps
- Conferences
- Group travel
There may be one-time events your organization plans throughout the year.
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What type of insurance helps cover youth activities or groups?
There are advantages to purchasing specific insurance tailored to youth groups and activities.
Look for insurance companies that provide insurance products designed to help cover youth-sponsored groups and events.
Coverage is commonly referred to as a blanket health insurance policy and despite its name, it is most often an accident-only policy.1 These policies may also help cover civic, non-profit, or religious organizations for participants in ongoing or one-time events.1
Generally, a blanket health insurance policy is a less comprehensive health plan that offers medical coverage to a broader group of people for a specific period of purpose such as camp counselors, employees, and volunteers, as well as the children and youth who participate in a summer camp.2 Having a blanket policy helps ensure coverage for the people who are in attendance.
A blanket health insurance policy is not intended to replace comprehensive major medical coverage.
Providing group insurance for youth group events may help ease parents' concerns about their child participating. This type of coverage may help reduce unforeseen medical expenses that might arise during the event, such as accidents that require medical attention.2
Sources:
Find a licensed insurance agent or broker who sells group insurance before you plan your next event.
- mycalchoice.com, mycalchoice.com
- myshortlister.com, myshortlister.com
Categories: accident insurance, group activity (special risk)